HSBC India
HSBC Premier Credit Card
Best for premium, rewards
₹5,000/yr annual fee · 6x rewards
By FinWiz24 Research Desk · Reviewed by FinWiz24 Research Desk · How we review
Annual fee
₹5,000/yr
Reward rate
6x
Min. income
₹40,00,000
Forex markup
Not published
Lounge access
Domestic + international
Eligibility
₹40 lakh/yr · CIBIL 750+
Reward cap
No cap published
Welcome benefit
20,000 reward points welcome benefit on card use; additional milestone benefits on annual spends
Who is this for
- Premium cardholder
- Rewards optimiser
What we like
- Unlimited international lounge access
- Milestone vouchers or extras
Watch out for
- ₹5,000 non-waiver joining fee
- ₹1,100 late-payment fee
- 2.5% cash-advance fee
Issuer
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹5,000 | Not waivable |
| Annual fee | ₹5,000 | Not explicitly published on the marketing page (UNVERIFIED) |
| Renewal fee | ₹5,000 | Waived on annual spends ≥ ₹5,00,000 |
| Forex markup | Not published | Not waivable |
| Late payment | ₹1,100 | Not waivable |
| Cash advance | 2.5% of amount | Not waivable |
| Fuel surcharge | 1% | 1% surcharge waived on fuel between ₹400 and ₹10,000 (max ₹250/month) |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 3 reward points per ₹100 on all spends; up to 12X on hotels/flights/car rentals via Travel with Points programme | No cap published | 1 RP = ₹1 at Apple online store; 1:1 conversion to airline miles & hotel loyalty points via HSBC India app; also vouchers/cashback via HSBC rewards portal |
| DINING | 3.00 | — | 0.30 |
| TRAVEL | 3.00 | — | 0.30 |
Benefits
-
Domestic lounge access
Unlimited domestic airport lounge access for primary cardholder
-
International lounge access Highlight
Unlimited international airport lounge access for primary cardholder + 8 international guest visits per year
-
Milestone benefits Highlight
20,000 reward points welcome benefit on card use; additional milestone benefits on annual spends
-
Fuel surcharge waiver
1% on fuel transactions ₹400-₹4,000 (capped ₹250/month)
Eligibility
- Age
- 21–65 years
- Min. income
- ₹40,00,000
- Min. credit score
- 750+
- Score note
- Excellent credit score; Premier banking relationship preferred
- Employment
- Salaried, self-employed
- Documents
- Existing HSBC Premier banking relationship (mandatory); PAN, Aadhaar, salary slips / ITR, address proof
HSBC Premier Credit Card is a VISA credit card from HSBC Bank. It is best suited for premium, rewards.
Fees and rewards
- Annual fee: ₹5000
- Joining fee: ₹5000
- Rewards: 3 reward points per ₹100
Eligibility
Existing HSBC Premier banking relationship (mandatory); PAN, Aadhaar, salary slips / ITR, address proof
Card data is compiled from the issuer’s published fee schedules and is reviewed weekly. High-confidence record. Status: active.
Step-by-step application guide: Read the HSBC Premier Credit Card apply walkthrough →
Apply for HSBC Premier Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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