Fees read from issuer pageUpdated 2026-07-26

HSBC India

HSBC Premier Credit Card

₹20,000 a year

LinePersonal
Joining fee₹12,000
Annual fee₹20,000
Forex markup0.99%

Rewards, as stated by the issuer

  • The HSBC Premier Credit Card is your gateway to a world of privileges. Enjoy a range of exclusive Mastercard offers and 1:1 reward points at the Apple online store and selected airlines. You could get benefits worth up to INR2.5 lakhs a year.
  • Earn 20,000 reward points when you start using your HSBC Premier Credit Card. T&Cs apply .
  • Each time you spend on your card, you will earn rewards that can be used on shopping, dining, entertainment and airline miles.
  • Earn up to 12X reward points on hotels, flights and car rentals on Travel with Points
  • Earn 3 reward points for every INR100 you spend on your card
  • Enjoy reward points that never expire
  • Earn up to 12X reward points on hotels, flights and car rentals on Travel with Points. Know more
  • Get maximum value from your reward points with 1 point worth INR1 at Apple
  • Instantly convert your reward points to air miles and hotel loyalty points at 1:1 in the HSBC India Mobile Banking app

Other benefits

  • From travel to gourmet dining to lifestyle privileges, your HSBC Premier Credit Card offers a range of exclusive benefits.
  • Get a welcome reward
  • Relax with international travel insurance covering lost luggage, delays, travel documents and much more. Know more
  • Get one night free when you book an eligible stay at participating hotels with Mastercard. Know more
  • Discover more rewards from your Premier Credit Card
  • Enjoy entertainment any day of the week with buy one, get one offers at BookMyShow. Know more
  • Get unparalleled dining offers with 30% off your bill (up to INR1,500) with EazyDiner. T&Cs apply (PDF)
  • Enjoy VIP guest experiences, eVIP pass discounts, hands-free shopping, private sale events and reserved parking at The Bicester Collection Villages. Register
  • Savings on dining and movies with District by Zomato
  • Save 10% on dining, activities and shopping, and enjoy movies on the big screen for less with buy-one-get-one cinema tickets. T&Cs apply (PDF)
  • Hotel membership offers
  • Enjoy exclusive savings, room upgrades and bonus rewards with Marina Bay Sands , GHA Discovery , Brilliant by Langham and more with Mastercard.
  • Get complimentary upgrades, early check-in and late check-out, and exclusive extras at over 3,800 luxury destinations worldwide with Mastercard. Know more
  • Get insurance coverage for any misuse of your card from 24 hours before reporting it lost, up to INR300,000.
  • Introductory offers terms and conditions (PDF)
  • Introductory offers terms and conditions (PDF) Download

Lounge access

Domestic: Enjoy unlimited domestic and international airport lounge access for cardholders, plus 8 international guest visits[@lounge-list]

International: Get lounge access at over 1,400 airports, international travel insurance and worldwide assistance. · Enjoy unlimited domestic and international airport lounge access for cardholders, plus 8 international guest visits[@lounge-list]

Eligibility

Income

  • - HSBC Premier salary criterion: Maintain a salary account with a net monthly salary credit of INR300,000 (Rupees three lakh only) OR

Every fee line found on the page

  • Get 1% fuel surcharge waiver at all fuel stations across India on transactions from INR400 to INR4,000​​​​​​​[@fuel-surcharge-waiver-rewards]
  • Get a 0.99% foreign exchange markup, anywhere and any time globally – no conditions apply.
  • You can get the card for a joining fee of INR12,000 (paid after you activate your card). There is an annual renewal fee of INR20,000, but this is waived for HSBC qualified Premier customers with a Premier relationship in India – find out more about HSBC Premier .