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REWARD POINTS CARD

HSBC Premier Credit Card

HSBC

Earn 3 reward points per ₹100 that never expire, 20,000 welcome reward points, unlimited lounge access for cardholders and a 0.99% foreign exchange markup.

Only for HSBC Premier customers; apply at a branch. Joining fee ₹12,000; renewal ₹20,000, waived for qualified Premier customers. No reward points on fuel.

HSBC Premier Credit Card
ANNUAL FEE
₹20,000
JOINING FEE
₹12,000
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
Unlimited domestic and international airport lounge access for cardholders
BEST FOR
Included: May suit frequent travellers who value airport lounge access and a 0.99% forex markup
Included: May suit frequent travellers who use airport lounges.
Included: May suit spends on hotels, flights and car rentals through Travel with Points.
Included: May suit those who want points that never expire and convert 1:1 to air miles or hotel points.
Limitation: Fuel spends, which earn no reward points, and to those without a Premier relationship may wish to compare other cards.
Limitation: Those without an HSBC Premier relationship may wish to compare other cards.
Limitation: Those fuel spends, which earn no reward points may wish to compare other cards.
Limitation: Those who would not use the card enough to offset the ₹12,000 joining fee may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: No reward points are earned on fuel purchases.
Condition: 1 reward point is worth ₹1 at Apple; points convert 1:1 to air miles and hotel loyalty points in the HSBC India Mobile Banking app.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
Not stated
Maximum age
Not stated

Fees & ownership

Joining fee
₹12,000
Annual / renewal fee
₹20,000
Fee waived at
Waived for qualified Premier customers: ₹50,00,000 avg quarterly TRB, or ₹3,00,000 net monthly salary credit, or mortgage criterion
Forex markup
0.99%
Finance charge
Not stated
Cash withdrawal fee
Not stated
Late-payment charge
Not stated
Interest-free period
Not stated

Benefits & privileges

TRAVEL
Domestic airport lounge
Unlimited — Unlimited for cardholders · Over 1,400 airports; domestic lounge list on Mastercard Priceless Specials; no spend condition on the page.
International airport lounge
Unlimited — Unlimited for cardholders, plus 8 international guest visits · International lounge list via LoungeKey; guest charges beyond 8 visits are not given on the page.
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Mastercard Priceless Specials (India); LoungeKey (international)
EVERYDAY
Fuel
1% waiver at all fuel stations in India on transactions of ₹400 to ₹4,000 (cap not given)
Dining
30% off your bill (up to ₹1,500) with EazyDiner; 10% off dining with District by Zomato
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
Fuel purchases earn no reward points.; Fuel purchases
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Not stated

Who this card may suit

MAY SUIT
Included: Unlimited domestic and international airport lounge access for cardholders
Included: Unlimited domestic and international lounge access for cardholders, plus 8 international guest visits.
Included: 0.99% foreign exchange markup and international travel insurance covering lost luggage, delays and travel documents.
Included: Reward points never expire and convert 1:1 to air miles and hotel loyalty points in the HSBC India Mobile Banking app.
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.