Premium

HSBC Premier Credit Card

Name: HSBC Premier Credit Card
Brand: HSBC
Price: 5000 INR

HSBC

7.3

CardTrail Score

Very Good

out of 10

💰 Net Value

5.6

🔓 Accessibility

5.2

⚡ Feature Depth

6.5

🏦 Bank Trust

7.5

How we score →

Compare This Card Full Details

Annual Fee

₹5,000

HSBC Premier account

Forex Markup

Reward Rate

Up to 3%

Lounge Access

domestic | 4 intl

About This Card

The HSBC Premier Credit Card is a premium credit card from HSBC with an annual fee of ₹5,000. It delivers a solid 1.0% reward rate on all spends. Key perks include 8 complimentary lounge visits, fuel surcharge waiver. Best suited for frequent travellers and dining enthusiasts.

Pros & Cons

Pros

Competitive 1.0% reward rate
Low forex markup at 2.0%
Generous lounge access benefits
Fuel surcharge waiver saves on petrol/diesel

Cons

High annual fee of ₹5,000
2.0% forex markup on international transactions
Requires minimum ₹12L annual income

Fee Details

Annual Fee

₹5,000

Joining Fee

₹5,000

Fee Waiver Condition

HSBC Premier account

Fuel Surcharge Waiver

Yes

EMI Conversion

Yes

Reward Structure

Base Rate

Max Rate

Currency

Reward Points

Welcome Bonus

5,000 Reward Points

Lounge Access

Domestic Lounges

per year

International Lounges

per year

Key Highlights

+ Annual fee ₹5,000 (waiver: HSBC Premier account)
+ 1.0% reward rate on all spends
+ 8 complimentary domestic lounge visits/year
+ 4 international lounge visits/year

Compare With...

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HDFC Diners Club Black

HDFC

9.4

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