HSBC Premier Credit Card
The HSBC Premier Credit Card is an invite-only card exclusively for HSBC Premier banking customers.
Premium Privileges Fit Score
97/100
Joining Fee
₹12,000
Annual Fee
₹20,000
Reward Rate (%)
3 – 12
Forex Markup
0.99%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
35/35
Fee Value & ROI
18/25
Lounge & Perks
4/20
Forex & Access
14/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
HSBC Premier Credit Card Benefits
HSBC Premier Credit Card Rewards
How you earn back on every swipe
points
Reward type
3% – 12%
Earn rate
3
Points / ₹100
HSBC Premier Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
Things to Keep in Mind
- Only available to HSBC Premier banking customers
- Existing HSBC Premier customer required to apply
Card Features
Annual Fee: ₹20,000
This card carries a fixed annual fee of ₹20,000. At ~3% estimated return, spending approximately ₹55,556/mo earns enough rewards to fully offset the annual fee.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
HSBC Premier Credit Card 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 25 Aug 2026
Calculate your exact earnings with HSBC Premier Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.
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