TravelLifestyleMastercardSuper PremiumActive
HSBC Premier Credit Card
HSBC Bank
Joining Fee₹12,000Renewal Fee₹12,000
Last verified: 26 Sept 2026
Reward Program
HSBC Reward Points1 point = ₹1.00
| Category | Earn Rate | Monthly Cap |
|---|---|---|
travel | 12% | No cap |
| All other spends | 3% | No cap |
Redemption fee: 0
🔁
Managed via HSBC India Mobile Banking app, Travel with Points
Transfer partners
Apple products and Travel with Points at 1 Reward Point = ₹1 — HSBC's own published rate and the maximum channel.Air miles and hotel loyalty points at 1:1 in the HSBC India Mobile Banking app, across Air India, Etihad, British Airways and other partners. HSBC publishes no rupee value for a transferred mile.
Live Offers
No active offers for this card right now.
Benefits
🛋️
Lounge Access
999 domestic visits/quarter
999 international visits/quarter
Unlimited domestic and international airport lounge access for the cardholder, plus 8 international guest visits a year.
⛽
Fuel Surcharge Waiver
No surcharge waiver is published. HSBC levies a 1% fuel transaction fee, and fuel earns no rewards.
₹20,000🎁
Welcome Benefit
20,000 Reward Points on first use of the card — ₹20,000 at ₹1 a point.
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
Open a section and enter what you actually spend. Everything updates as you type.
Fees & Charges
| Joining Fee | ₹12,000/yr |
| Renewal Fee | ₹12,000/yr |
| Forex Markup | 3.5% |
| Interest Rate | 45% p.a. |
| Cash Advance Fee | Charged per HSBC's tariff sheet; no flat figure is published in the readable portion of the MITC. |
| Reward Redemption Fee | 0 |
