HSBC India Premier Credit Card

Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate

Open to new applications · Earns reward points

First-year fee

₹12,000 to join.

Annual fee

₹20,000 a year.

INR20,000, but this is waived for HSBC qualified Premier customers with a Premier relationship in India

What it gives back

3 reward points per ₹100 · everyday spends

Read from 5 HSBC India documents, last checked 19 Oct 2026.

How it compares

Compared with the cards we have read

₹20,000 annual fee: of the 273 other open cards whose annual fee we have read, 265 state a lower one, 1 states the same and 7 state a higher one.

0.99% forex markup: of the 291 other open cards whose forex markup we have read, 29 state a lower one, 1 states the same and 261 state a higher one.

Fees

Joining fee
₹12,000 to join.
Renewal fee
₹20,000 a year.INR20,000, but this is waived for HSBC qualified Premier customers with a Premier relationship in India

Rewards

Reward rate
3 reward points per ₹100 · everyday spends3 reward points for every ₹100 you spend on your card.
Travel earning
Up to 12X reward points on hotels, flights and car rentals on Travel with Points
Catalogue redemption
1 point worth ₹1 at Apple.
Airline and hotel partners points may move to
Instantly convert your reward points to air miles and hotel loyalty points at 1:1 in the HSBC India Mobile Banking app.
Point expiry
Reward points that never expire.

Card benefits

Domestic lounge access
Unlimited domestic and international airport lounge access for cardholders, plus 8 international guest visits.
International lounge access
Unlimited international airport lounge access for cardholders, plus 8 international guest visits.
Hotel or travel programme
One night free on an eligible stay at participating hotels with Mastercard; complimentary upgrades, early check-in and late check-out, and exclusive extras at over 3,800 luxury destinations worldwide
Hotel or travel programme
Up to 20% off hotel bookings with Agoda
Dining programme
30% off your bill (up to ₹1,500) with EazyDiner
Movie or entertainment ticket benefit
Buy one, get one offers at BookMyShow.
Movies and entertainment
District by Zomato: 10% off dining, activities and shopping, plus buy-one-get-one cinema tickets.

Also included

Fuel surcharge waiver
1% fuel surcharge waiver at all fuel stations across India on transactions from ₹400 to ₹4,000.
Lost card liability
Insurance coverage for any misuse of your card from 24 hours before reporting it lost, up to ₹300,000
Travel insurance
International travel insurance covering lost luggage, delays, travel documents and much more.
Balance transfer terms
Transfer an outstanding credit card balance to an HSBC credit card for easy repayments at a lower interest rate.
Purchase to EMI conversion
EMI options to pay credit card dues in Equated Monthly Instalments (EMIs), such as Balance Transfer on EMI, Cash-on-EMI, or Loan-on-Phone.

Charges

Forex markup
0.99% on foreign currency transactions.
Cash advance fee
2.5% of the transaction amount (subject to a minimum of ₹300)
Interest on unpaid balance
2.99% per month (35.88% per annum), computed from the date of transaction.
Interest-free period
Upto 48 days free credit
Late payment fee
100% of the outstanding minimum payment due (subject to a minimum of ₹250 and a maximum of ₹1,200 per month)

Eligibility

Eligibility
Existing HSBC qualified Premier customer with a Premier relationship in India.
Income requirement
To qualify for HSBC Premier, meet at least one of: an average quarterly Total Relationship Balance (TRB) of ₹50,00,000 (50 lakh), or a salary account with a net monthly salary credit of ₹300,000.

How we know

5 documents from HSBC India, checked 19 Oct 2026.

On these lists

₹20,000 a year

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