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HSBC India Premier Credit Card

HSBC India

Annual / renewal fee

₹20,000 (waived for HSBC Qualified Premier customers; applicable if the qualifying criteria are not met).

VerifiedHSBC Premier Credit Card – MITC & Tariff (Most Important Terms & Conditions)4 Aug 2026, 3:50 AM ISTHSBC India

Earn rate

  • Earn 3 reward points for every ₹100 spent on the card.
  • Plus up to 12X reward points on hotels, flights and car rentals booked via Travel with Points.
  • 1 point = ₹1 on Apple products.
  • Instant 1:1 conversion to air miles and hotel loyalty points.

VerifiedHSBC Premier Mastercard Credit Card – Service Guide (Terms & Conditions / Card Usage)4 Aug 2026, 3:50 AM ISTHSBC India

View on official site →

This is the issuer's own page for this card. We earn nothing from this link.

You'll land on the issuer's official application portal at hsbc.co.in — if a different card is shown first, use its card selector to pick this one.

Source-traced to issuer Verified 2026-08-03
View on official site →

This is the issuer's own page for this card. We earn nothing from this link.

You'll land on the issuer's official application portal at hsbc.co.in — if a different card is shown first, use its card selector to pick this one.

Overview

Premier Credit Card by HSBC India. Facts on this page are extracted and verified automatically from official issuer documents.

Fees

Joining fee

₹12,000 (applicable post activation of the Credit Card).

VerifiedHSBC Premier Credit Card – MITC & Tariff (Most Important Terms & Conditions)4 Aug 2026, 3:50 AM ISTHSBC India

Annual / renewal fee

₹20,000 (waived for HSBC Qualified Premier customers; applicable if the qualifying criteria are not met).

VerifiedHSBC Premier Credit Card – MITC & Tariff (Most Important Terms & Conditions)4 Aug 2026, 3:50 AM ISTHSBC India

Fee waiver

  • Annual/renewal fee waived for HSBC Qualified Premier customers.
  • Qualification: maintain quarterly Total Relationship Balance (TRB) of at least INR 50,00,000 (INR 40,00,000 for Premier accounts opened before 1 Jan 2026) OR net monthly salary credit of INR 300,000 with TRB of INR 50,00,000 OR (effective 01 Jan 2026) hold a mortgage of at least INR 11,500,000 and meet the TRB criterion within 12 months of mortgage disbursement.

VerifiedHSBC Premier Credit Card – MITC & Tariff (Most Important Terms & Conditions)4 Aug 2026, 3:50 AM ISTHSBC India

Rewards

  • Earn 3 reward points for every ₹100 spent on the card.
  • Plus up to 12X reward points on hotels, flights and car rentals booked via Travel with Points.
  • 1 point = ₹1 on Apple products.
  • Instant 1:1 conversion to air miles and hotel loyalty points.

VerifiedHSBC Premier Mastercard Credit Card – Service Guide (Terms & Conditions / Card Usage)4 Aug 2026, 3:50 AM IST

Redemption value

  • Reward points do not expire (evergreen).
  • Redemption only via HSBC India Mobile Banking app.
  • Gift Cards redeemed instantly (delivered to email).
  • Merchandise on Rewards Marketplace completed within 20 working days.
  • Air miles and hotel points completed instantly or within 1 working day (except Hainan Airlines 5 working days, JAL Mileage Bank 10 working days, Air India Maharaja Club 5 working days). 1 point = ₹1 on Apple products.
  • Instant 1:1 conversion to air miles and hotel loyalty points.

VerifiedHSBC Premier Mastercard Credit Card – Service Guide (Terms & Conditions / Card Usage)4 Aug 2026, 3:50 AM ISTHSBC India

Reward cap

From 1 April 2025, reward points are earned only on spends up to a cumulative limit of ₹1,00,000 per month across specified categories (Bail and Bond Payments, Education and government, E-wallets, Financial Institutions, Jewelry, Money Transfer, Non-Financial Institutions, Real Estate Agents and Managers, Tax Payments, Utilities, Insurance).

VerifiedHSBC Premier Mastercard Credit Card – Service Guide (Terms & Conditions / Card Usage)4 Aug 2026, 3:50 AM ISTHSBC India

Reward exclusion

Cash advancesfees/chargesdisputed transactionsor Fuel (MCC 55415983517255425552). From 1 April 2025points on certain categories (utilitieseducation & governmente-walletsfinancial institutionsjewellerymoney transferreal estatetax paymentsinsuranceetc.) are capped at a cumulative ₹100000 per month. IEMI transactions earn no reward points

VerifiedHSBC Premier Mastercard Credit Card – Service Guide (Terms & Conditions / Card Usage)4 Aug 2026, 3:50 AM ISTHSBC India

Travel & lounge

Lounge access

  • Unlimited complimentary access to over 1,400 airport lounges internationally with complimentary LoungeKey membership, available to both Primary and Add-on Cardholders.
  • Plus 8 complimentary international guest visits (only on primary cards, none on add-on cards).
  • Also Mastercard Domestic lounge access at listed Domestic and International Terminals in India.

VerifiedHSBC Premier Mastercard Credit Card – Service Guide (Terms & Conditions / Card Usage)4 Aug 2026, 3:50 AM ISTHSBC India

Hotel benefit

  • Agoda: get up to 20% off on hotel bookings on Agoda.
  • Access to a curated collection of benefits at Taj, SeleQtions, Gateway, Vivanta hotels and ama Stays & Trails bungalows across the globe.

Verifiedharvested from product page4 Aug 2026, 3:50 AM ISTHSBC India

Travel benefit

Credit card emergency services supported by Mastercard: instant blocking of lost/stolen card, replacement card for next-day use or emergency cash advance pending delivery, and emergency cash advance at over 245,000 outlets across 200 countries and territories. home&Away programme provides shopping and dining privileges across more than 40 countries and territories worldwide.

VerifiedHSBC Premier Mastercard Credit Card – Service Guide (Terms & Conditions / Card Usage)4 Aug 2026, 3:50 AM ISTHSBC India

Dining, golf, concierge, insurance, milestones & welcome

Welcome benefit

  • Earn 20,000 reward points on completing the first transaction with the HSBC Premier Credit Card within 30 days of card issuance (one-time, Primary Cardmembers).
  • Reward points credited within 3 days of the first transaction.
  • Offer for cards issued between 9 October 2025 and 31 December 2026 (joining fee must be paid).
  • T&Cs apply.

Verifiedharvested from product page4 Aug 2026, 3:50 AM ISTHSBC India

Concierge

Credit card emergency services (supported by Mastercard): HSBC Premier Emergency Hotline available 24 hours a day, 365 days a year, providing instant blocking of lost/stolen card, next-day replacement card or emergency cash advance virtually anywhere in the world.

VerifiedHSBC Premier Mastercard Credit Card – Service Guide (Terms & Conditions / Card Usage)4 Aug 2026, 3:50 AM ISTHSBC India

Dining benefit

EazyDiner: 30% off on your bill up to ₹1,250 with EazyDiner (HSBC Premier Mastercard Credit Cards starting 512042: 30% off up to ₹1,500 on minimum bill value of ₹3,000, coupon HSBC1500), valid once per card per calendar month during the offer period 1 January 2026 to 31 December 2026.

Verifiedharvested from product page4 Aug 2026, 3:50 AM ISTHSBC India

Golf benefit

One year complimentary membership to Golf Card, providing discounted green fee and access to select premium golf courses in India and overseas.

VerifiedHSBC Premier Mastercard Credit Card – Service Guide (Terms & Conditions / Card Usage)4 Aug 2026, 3:50 AM ISTHSBC India

Insurance

  • Personal travel insurance by ICICI Lombard covering Premier Cardholders up to ₹1 crore for loss of life in an air accident.
  • Also covers Missed International Flight, Loss of Check-in baggage, Delayed Flight, Loss of Passport/Travel Document and Delayed baggage.
  • Lost card liability: covered for misuse up to 24 hours before reporting and 7 days after reporting loss, up to ₹3,00,000.
  • All insurance benefits available to valid primary Cardholders only.

VerifiedHSBC Premier Mastercard Credit Card – Service Guide (Terms & Conditions / Card Usage)4 Aug 2026, 3:50 AM ISTHSBC India

Milestone benefit

BookMyShow Buy 1 Get 1 free on movie tickets (each ticket capped at ₹750), 2 complimentary tickets in a month, up to 12 times a year.

Verifiedharvested from product page4 Aug 2026, 3:50 AM ISTHSBC India

Eligibility

Eligibility

  • Offered based on an HSBC Premier relationship in India (existing Premier customers).
  • Qualified Premier criteria: quarterly TRB of at least INR 50,00,000 (INR 40,00,000 for accounts opened before 1 Jan 2026).
  • OR net monthly salary credit of INR 3,00,000.
  • OR (effective 1 Jan 2026) mortgage of at least INR 1,15,00,000 with TRB of INR 50,00,000 within 12 months of disbursement.
  • Add-on cards for spouse, parents, siblings or children above 18 years (up to three).

VerifiedHSBC Premier Credit Card – MITC & Tariff (Most Important Terms & Conditions)4 Aug 2026, 3:50 AM ISTHSBC India

Charges & interest

Forex markup

0.99% currency conversion charge on all foreign currency transactions (reduced from 3.5% effective 1 April 2020).

VerifiedHSBC Premier Mastercard Credit Card – Service Guide (Terms & Conditions / Card Usage)4 Aug 2026, 3:50 AM ISTHSBC India

Charge

  • Finance charge / extended credit: 2.99% per month (35.88% p.a.) computed from date of transaction.
  • Cash advance transaction fee: 2.5% of amount (min ₹300) at branches/ATMs.
  • Cash withdrawal against bank account at ATMs overseas ₹100.
  • Non-HSBC ATMs in India Nil.
  • Cash advance limit: up to 60% of total card limit.
  • Balance transfer: 10.99%-15.99% p.a., processing fee 1.5% (min ₹200).
  • Late payment fee: 100% of Minimum Payment Due, min ₹250, max ₹1,200 per month (charged if MPD not paid within 3 days of due date).
  • Overlimit fee: 2.5% of overlimit amount or ₹500 (whichever higher) + GST.
  • Cheque bounce / SI dishonour / unsuccessful NACH: ₹350.
  • Credit card replacement fee (within and outside India): ₹100.
  • Currency conversion charge for foreign currency: 0.99%.
  • Copy of credit information report: ₹50.
  • Duplicate statements (older than 3 months): ₹100 per statement.
  • Cash payment charge (CC bill payments in cash at HSBC branches/drop-boxes): ₹100.
  • Rental and related payments (w.e.f. 25 January 2023): 1% processing fee plus applicable taxes.
  • Add-on card: NIL.
  • All fees charged along with applicable taxes.

VerifiedHSBC Premier Credit Card – MITC & Tariff (Most Important Terms & Conditions)4 Aug 2026, 3:50 AM ISTHSBC India

Fuel surcharge waiver

  • 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 (both inclusive, excluding the surcharge amount), when transaction is made using the HSBC Credit Card.
  • Reward points not awarded on transactions eligible for surcharge waiver.

VerifiedHSBC Premier Credit Card – MITC & Tariff (Most Important Terms & Conditions)4 Aug 2026, 3:50 AM ISTHSBC India

Interest-free period

  • Up to 48 days free credit (effective 1 July 2021) on purchases if outstanding is settled in full by the payment due date.
  • Not applicable to cash advance transactions and suspended if any previous month's balance is outstanding.
  • Payment due date is 18 days from statement date.

VerifiedHSBC Premier Credit Card – MITC & Tariff (Most Important Terms & Conditions)4 Aug 2026, 3:50 AM ISTHSBC India

Transfers

Transfer partner

Airlines (4)

  • Air India

    Maharaja Club

    1:1

  • Hainan Airlines

    Fortune Wings Club

    1:1

  • Japan Airlines

    JAL Mileage Bank

    1:1

  • JAL

    JAL Mileage Bank

    1:1

VerifiedPremier Credit Card product page4 Aug 2026, 3:50 AM ISTHSBC India

Common questions

What is the annual fee on the Premier Credit Card?

Officially traced: Rs. 20,000 (waived for HSBC Qualified Premier customers.

HSBC Premier Credit Card – MITC & Tariff (Most Important Terms & Conditions)

What is the joining fee on the Premier Credit Card?

Officially traced: Rs. 12,000 (applicable post activation of the Credit Card).

HSBC Premier Credit Card – MITC & Tariff (Most Important Terms & Conditions)

Is the Premier Credit Card annual fee ever waived?

Annual/renewal fee waived for HSBC Qualified Premier customers.

HSBC Premier Credit Card – MITC & Tariff (Most Important Terms & Conditions)

How does the Premier Credit Card earn rewards?

Earn 3 reward points for every Rs. 100 spent on the card.

HSBC Premier Mastercard Credit Card – Service Guide (Terms & Conditions / Card Usage)

What lounge access does the Premier Credit Card include?

Unlimited complimentary access to over 1,400 airport lounges internationally with complimentary LoungeKey membership, available to both Primary and Add-on Cardholders; plus 8 complimentary international guest visits (only on primary.

HSBC Premier Mastercard Credit Card – Service Guide (Terms & Conditions / Card Usage)

What welcome benefit does the Premier Credit Card offer?

Earn 20,000 reward points on completing the first transaction with the HSBC Premier Credit Card within 30 days of card issuance (one-time, Primary Cardmembers).

harvested from product page

What are the transfer ratios for Premier Credit Card points?

Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.

Other verified details

Not published in the official documents on file — see the official T&C link below.

Official documents & verification

Official issuer pageHSBC Premier Credit Card – MITC & Tariff (Most Important Terms & Conditions)HSBC Premier Mastercard Credit Card – Service Guide (Terms & Conditions / Card Usage)harvested from product pageharvested from product pageharvested from product page

Official terms

https://www.hsbc.co.in/credit-cards/products/premier/.

VerifiedHSBC Premier Mastercard Credit Card – Service Guide (Terms & Conditions / Card Usage)4 Aug 2026, 3:50 AM ISTHSBC India

Verified 2026-08-03 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.

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