cards / credit / hsbc india / hsbc-premier-credit-card
↑ Your name appears embossed when you sign in.
§ BENEFITS
Unlimited International Lounge Access
Unlimited complimentary international airport lounge access via Priority Pass
Unlimited visits
10X Reward Points on Travel
Earn 10X reward points on travel spends including flights, hotels, and travel bookings
10X RP
3 RP per ₹100 on All Spends
Earn 3 reward points per ₹100 spent on all retail purchases
3 RP per ₹100
Low Forex Markup
Only 2% currency markup on international transactions
2%
Fuel Surcharge Waiver
1% fuel surcharge waiver on fuel transactions
1% waiver
Premier Concierge Services
Dedicated 24/7 concierge services for Premier cardholders
Included
§ ELIGIBILITY
- Employment
- Salaried / Self-Employed
- Min annual income
- ₹25,00,000
- Min monthly salary
- ₹2,00,000
- Age
- 21 – 65
- Min credit score
- 750
- Existing account?
- Required
- Invitation only?
- No
§ FEES
- Joining fee
- Lifetime free
- Annual fee
- Lifetime free
- APR (monthly)
- 3.15% p.m.
- APR (annual)
- 37.80% p.a.
- Late payment fee
- ₹1,300
- Over-limit fee
- ₹500
- Cheque bounce
- ₹500
- Grace period
- 50 days
- Min due
- 5%
† Free for Premier customers
† Free for Premier customers
† per cycle, charged to statement
† or ₹200, whichever higher
§ ATM & CASH
- Own bank free / month
- 5
- Own bank charge
- ₹20
- Other bank free / month
- 5
- Other bank charge
- ₹20
- International withdrawal
- ₹125
- Cash advance fee
- 2.5%
† + 2.5% of txn
† min ₹500
§ TRANSACTIONS
- Currency markup
- 2%
- DCC fee
- 1%
- Cross-border fee
- —
- SMS alert / month
- —
- PIN regen
- ₹100
- Physical statement
- ₹100
§ FUEL
- Surcharge waiver
- 1%
- Min txn
- ₹400
- Max txn
- ₹5,000
- Max waiver / cycle
- ₹250
- Networks
- All
§ LIMITS
- ATM / day
- ₹50,000
- POS + e-com / day
- ₹5,00,000
- Contactless / txn
- ₹5,000
- Contactless / day
- ₹50,000
§ INSURANCE
- Accidental death cover
- ₹3,00,00,000
- Permanent disability
- ₹3,00,00,000
- Air accident
- ₹3,00,00,000
- Travel insurance
- ₹30,00,000
- Baggage
- ₹1,50,000
- Lost-card liability
- ₹15,00,000
- Purchase protection
- ₹3,00,000
† within 24 h of loss
† 90 days
§ REWARDS
- Programme
- HSBC Reward Points
- Earn rate
- 3 RP per ₹100 (10X on travel)
- Point value
- ₹0.25
- Effective cashback
- 0.75%
- Min redemption
- 500 pts
- Expiry
- 3 years from date of accrual
§ LOUNGE
- Domestic
- Unlimited
- International
- Unlimited via Priority Pass
- Domestic guests allowed?
- Yes
- International guests allowed?
- Yes
† value ₹2,500 per visit
† value ₹4,000 per visit
§ SIMILAR CARDS
Information here is for reference. Always verify on the issuing bank's site before applying. oriz · cards is not affiliated with HSBC India and earns no commission on applications.