Cards / HSBC India

Joining fee

₹12,000

Annual fee

₹20,000

Waiver spend

–

Forex markup

0.99%

Fee waiver

No spend-based waiver listed by the bank.

Work it out for this card

How the app counts rewards

• 3 points per ₹100 on utilities, rent, insurance, education and wallets (first ₹1 lakh a month)
• 3 points per ₹100

No rewards on fuel.

Airport lounges

• Domestic: Unlimited visits
• International: Unlimited visits

Unlimited for cardholders plus 8 international guest visits

Points

HSBC Reward Points, worth about ₹1 each on the usual redemption.

Transfer partners: Air India Maharaja Club (1:1), airasia rewards (1:3), Air France-KLM Flying Blue (1:1), British Airways Club (1:1), Etihad Guest (1:1), EVA Air Infinity MileageLands (1:1), Hainan Airlines Fortune Wings Club (2:1), JAL Mileage Bank (1:1), Singapore Airlines KrisFlyer (1:1), Qantas Frequent Flyer (1:1), Qatar Airways Privilege Club (1:1), Thai Airways Royal Orchid Plus (1:1), Turkish Airlines Miles&Smiles (2:1), United MileagePlus (2:1), Vietnam Airlines Lotusmiles (1:1), Accor Live Limitless (1:1), IHG One Rewards (1:1), Marriott Bonvoy (1:1), Shangri-La Circle (5:1), Wyndham Rewards (1:1)

Who can apply

Existing HSBC Premier customer with a Premier relationship in India

Published minimums. Approval is the bank's decision.

Checked against the bank's terms. Banks change terms often, so check the latest terms before applying.

Taken from the bank's page. Rules data version 2026.10.04.

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