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HSBC Premier Credit Card
HSBC

HSBC Premier Credit Card

Unlimited lounges and 0.99% forex for HSBC Premier clients

Joining fee₹12,000 + GST
Annual fee₹20,000 + GST
NetworkMastercard World
Forex markup0.99%
LoungeUnlimited
Best forPremium & Invite-only
How to apply Compare
Details checked October 2026
Not open to online applications. HSBC Premier is offered through your bank relationship. Speak to your HSBC relationship manager (RM) to check eligibility and apply.

01Rewards

All eligible spends3 reward points per ₹100
Hotels / flights on HSBC Travel with Points12X / 6X (shared cap of 18,000 points a month)

Redemption: Transfer to ~20 airline & hotel partners, mostly 1:1. Points never expire.

02Fees, benefits & charges

Fee waiver
Annual fee waived for qualifying HSBC Premier customers
Welcome benefit
20,000 reward points on starting to use the card
Airport lounges
Unlimited international lounges + Mastercard domestic lounges, with 8 guest visits
Forex markup
0.99%
Fuel
1% surcharge waiver on ₹400–₹4,000 (no points on fuel)
No rewards on
Fuel; utilities, insurance, education, rent and wallet loads share a ₹1 lakh monthly cap

03Highlights & watch-outs

Highlights

  • Low 0.99% forex
  • Points never expire
  • Unlimited international lounges

Watch out for

  • Needs an HSBC Premier relationship (₹50 lakh balance or equivalent)
  • ₹12,000 + GST joining fee

Suits: Existing HSBC Premier clients who travel abroad.

04FAQs

What is the annual fee of the HSBC Premier Credit Card?
The annual fee is ₹20,000 + GST, and the joining fee is ₹12,000 + GST. Annual fee waived for qualifying HSBC Premier customers
Does the HSBC Premier Credit Card offer airport lounge access?
Unlimited international lounges + Mastercard domestic lounges, with 8 guest visits
What is the forex markup on the HSBC Premier Credit Card?
The foreign currency markup is 0.99%.
Which spends don’t earn rewards on the HSBC Premier Credit Card?
Fuel; utilities, insurance, education, rent and wallet loads share a ₹1 lakh monthly cap.
ⓘBefore you apply: fees and rewards above were checked in October 2026 from issuer pages and public sources. Banks can change terms at any time — the issuer’s application page is the final word. Approval depends on the bank’s own checks.
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HSBC Premier₹20,000 + GST
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