Cards / HSBC India

Joining fee

₹4,999

Annual fee

₹4,999

Waiver spend

₹8,00,000

Forex markup

3.5%

Fee waiver

Spend ₹8,00,000 in a card year and the next annual fee is waived.

That is about ₹66,667 a month.

Work out what you still need to spend

Work it out for this card

How the app counts rewards

• 4 points per ₹100 on flights and travel aggregators
• 4 points per ₹100 on foreign currency spends
• 2 points per ₹100

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

Airport lounges

• Domestic: 6 visits a year
• International: 4 visits a year

Points

HSBC Reward Points, worth about ₹1 each on the usual redemption. Expire after 3 years.

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

• 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.

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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