HSBC Premier Credit Card

HSBC · No annual fee

A premium card for HSBC Premier customers: a flat 3% in points, the lowest forex markup we list, and unlimited lounges.

Base rate: 3% as Reward Point.

What the bank says

Earn 3 reward points for every INR100 you spend, and points never expire
1 point worth INR1 at Apple, or convert 1:1 to air miles and hotel loyalty points
0.99% foreign exchange markup, with no conditions
Unlimited domestic and international lounge access, plus 8 international guest visits
Earn 20,000 reward points when you start using the card

Only available to HSBC Premier customers. One way to qualify is a net monthly salary of ₹3 lakh credited to HSBC; another is a ₹50 lakh relationship balance.
The ₹20,000 renewal fee is waived while you remain an HSBC Premier customer. We show it as waived.
Up to 12X points on travel booked through HSBC's Travel with Points portal is not included in our figure.

Joining fee: ₹12,000. Foreign currency markup: 0.99%.

Read from HSBC’s own page on 2026-09-16.