HSBC Bank
HSBC Premier Credit Card
Your rating
Community rating
Joining Fee
₹12,000
Annual Fee
₹20,000
Reward Rate
3% – 12%
Forex Markup
0.99%
Apply may use an affiliate link — we may earn a commission; this doesn't affect our data or ratings.
Key Benefits
Rewards
How you earn back on every swipe
points
Reward type
3% – 12%
Earn rate
3
Points / ₹100
Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
Things to Keep in Mind
- Only available to HSBC Premier banking customers
- Existing HSBC Premier customer required to apply
Card Features
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Eligibility
Employment type
Invite only — You typically need an existing relationship with HSBC Bank to get this card.
Pros & Cons
- Welcome 20,000 reward points
- Unlimited domestic and international lounge access
- 3 reward points per INR100 spent
- 0.99% forex markup
- 1% fuel surcharge waiver
- 20,000 welcome reward points
- 1:1 redemption to air miles and hotel loyalty points
- Available only to HSBC Premier banking customers (invite-only)
- Requires significant AUM with HSBC to qualify for Premier relationship
Who is this card for?
HSBC Premier banking account holders with high net worth and significant international travel or spending. The zero forex markup alone can save thousands of rupees annually for frequent international travellers.
Quick Links
Data last updated 24 Mar 2026