HSBC Premier Credit Card
HSBC India
HSBC Premier Credit Card
HSBC India
Annual Fee
FREE
Effective Rate
1.00%
Network
MASTERCARD
Point Value
₹1.00/pt
About HSBC Premier Credit Card
HSBC Premier exclusive card. 0% forex markup. Unlimited lounge access globally. Golf privileges. Dedicated Premier service. Available to HSBC Premier banking customers.
Best For
Pros & Cons
thumb_upPros
- check_circleUnlimited Global Lounge Access
- check_circleLifetime free — no annual fee ever
thumb_downCons
- cancelMay require existing banking relationship or invitation
- cancelForeign transaction fee applies on overseas spends
- cancelPoints redemption catalog may limit flexibility
Reward Earning Structure
Each point is worth ₹1.00 — an effective return of 1.00% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 2% | 200 pts≈ ₹200 |
Points can typically be redeemed for flight tickets, hotel bookings, cashback, gift vouchers, or merchandise via the HSBC India rewards portal. Redemption value may vary by option.
Card Benefits
Unlimited Global Lounge Access
Unlimited domestic + international lounge access globally.
Complimentary Golf
Golf rounds at select courses worldwide.
Fuel Surcharge Waiver
1% fuel surcharge waiver at all fuel stations across India on transactions from ₹400 to ₹4,000.
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the HSBC India website.
| Annual Fee | Lifetime Free |
| Forex Markup | As per issuer schedule |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: As per bank norms
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about HSBC Premier Credit Card.
Ready to apply for HSBC Premier Credit Card?
Apply directly on the HSBC India website. Most decisions within 7–10 working days.
Affiliate disclosure: CreditBrain may earn a referral fee if you apply via our link. This does not affect our editorial independence.