Cards / HSBC India

Joining fee

Free

Annual fee

Free

Waiver spend

–

Forex markup

3.5%

Fee waiver

No annual fee, so nothing to waive.

Work it out for this card

How the app counts rewards

• 2 points per ₹150

No rewards on education, fuel, insurance, rent, utilities, wallet loads.

Points

HSBC Reward Points, worth about ₹0.5 each on the usual redemption. Expire after 3 years.

Transfer partners: Air India Maharaja Club (2:1), airasia rewards (1:2), Air France-KLM Flying Blue (2:1), British Airways Club (2:1), Etihad Guest (2:1), EVA Air Infinity MileageLands (2:1), Hainan Airlines Fortune Wings Club (4:1), JAL Mileage Bank (2:1), Singapore Airlines KrisFlyer (2:1), Qantas Frequent Flyer (2:1), Qatar Airways Privilege Club (2:1), Thai Airways Royal Orchid Plus (2:1), Turkish Airlines Miles&Smiles (4:1), United MileagePlus (3:1), Vietnam Airlines Lotusmiles (2:1), Accor Live Limitless (2:1), IHG One Rewards (2:1), Marriott Bonvoy (2:1), Shangri-La Circle (10:1), Wyndham Rewards (2:1)

Who can apply

• Age 18 to 65
• Salaried: income of ₹6,00,000 a year or more
• Self-employed: income of ₹12,00,000 a year or more

Indian resident; self-employed applicants must be 25 to 65

Published minimums. Approval is the bank's decision.

Some values on this page are not yet confirmed against the bank's terms. Check the bank's own page before you rely on them.

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

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