Premium
HSBC Premier Credit Card
HSBC 7.3
CardTrail Score
Very Good
out of 10
Annual Fee
₹20,000
HSBC Premier account
Forex Markup
0.99%
Reward Rate
3%
Up to 3%
Lounge Access
Unlimited
domestic | Unlimited intl
About This Card
The HSBC Premier Credit Card is a premium credit card from HSBC with an annual fee of ₹5,000. It delivers a solid 1.0% reward rate on all spends. Key perks include 8 complimentary lounge visits, fuel surcharge waiver. Best suited for frequent travellers and dining enthusiasts.
Pros & Cons
Pros
- Competitive 1.0% reward rate
- Low forex markup at 2.0%
- Generous lounge access benefits
- Fuel surcharge waiver saves on petrol/diesel
Cons
- High annual fee of ₹5,000
- 2.0% forex markup on international transactions
- Requires minimum ₹12L annual income
Fee Details
Annual Fee
₹20,000
Joining Fee
₹12,000
Fee Waiver Condition
HSBC Premier account
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes
Reward Structure
Base Rate
3%
Max Rate
3%
Currency
Reward Points
Welcome Bonus
20,000 Reward Points + Taj Epicure membership
Lounge Access
Domestic Lounges
Unlimited
International Lounges
Unlimited
Key Highlights
- + Annual fee ₹5,000 (waiver: HSBC Premier account)
- + 1.0% reward rate on all spends
- + 8 complimentary domestic lounge visits/year
- + 4 international lounge visits/year
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Quick Summary
Best For
travel dining
Annual Fee ₹20,000
Base Reward 3%
Max Reward 3%
Forex Markup 0.99%
Network Visa Signature
Min Income ₹12L+
CardTrail Score
Best For
travel dining
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