Premier Credit Card
Official Page ↗
Highlights
- Base Reward: 3.00% return (3 RP / ₹100)
- Domestic Lounge: Unlimited visits via Visa Lounge Program
- International Lounge: Unlimited visits via LoungeKey
- Air Accident Cover: ₹1,00,00,000
- Forex Markup: 0.99%
Welcome / Joining Benefit
Lifetime Free for HSBC Premier account relationship holders.
Points Expiry
Joining Fee
LIFETIME FREE
Annual Fee
LIFETIME FREE
Renewal Fee
LIFETIME FREE
Joining Fee Waiver
Lifetime Free for HSBC Premier account relationship holders.
Other Charges
Foreign Currency Markup Fee0.99%
Low foreign exchange markup fee of 0.99% on all international transactions.
Basic Requirements
Minimum Age21 years
Maximum Age70 years
Eligible OccupationSalaried, Self-Employed
Additional Details
Requires holding an active HSBC Premier Relationship (TRV > ₹40 Lakhs).
Base Reward Rate
Points per Spend
3 RP
Per Every
₹100
Effective Return
3%
Currency: HSBC Reward Points — 1 point ≈ ₹1
Forex Markup: 0.99%
Accelerated & Special Rates
36 Reward Points per ₹100 spent on hotel bookings via the 'Travel with Points' portal (powered by Hopper).
12X
36% return
Cap: 18,000 pts / Monthly
18 Reward Points per ₹100 spent on flight bookings via the 'Travel with Points' portal (powered by Hopper).
6X
18% return
Cap: 18,000 pts / Monthly
Utilities, Tax Payment, Real Estate and Managers, Jewelry, Money Transfer, Insurance, E-Wallets, Education & Government, Bail & Bond Payments: Reward points applicable on spends up to ₹1,00,000 per month.
1X
3% return
Cap: 3,000 pts / Monthly
❌ No Points Earned On:
FuelWallet LoadRent
Luxury Travel Privileges
Enjoy unlimited domestic and international airport lounge access for cardholders, plus 8 international guest visits. Save up to 20% on hotel bookings with Agoda. Get one night free when you book an eligible stay at participating hotels with Mastercard.
Insurance Benefits
Air Accident Cover₹1,00,00,000
00Baggage Loss Cover₹50,000
Passport Loss Cover₹50,000
Flight Delay Cover₹50,000
🛫 Domestic Lounge Access
ProgramVisa Lounge Program
VisitsUnlimited
PrivilegesPrimary: Yes • Add-on: No • Guest: No
🌏 International Lounge Access
ProgramLoungeKey
VisitsUnlimited
PrivilegesPrimary: Yes • Add-on: No • Guest: Yes (8)
Redemption Options
Smart Redemption Tips
🏆 Best value: Apple Products at ₹1/pt — maximize your returns here.
🪙 Reward currency: HSBC Reward Points
Best Value
🍎Apple Products
Apple product redemption via HSBC Rewards Marketplace
₹1/pt
🎁Gift Voucher
Gift card and voucher redemption
₹0.25–₹1/pt
🛍️Merchandise
Rewards catalogue merchandise redemption
₹0.25–₹1/pt
Points Transfer Partners
Total: 18 partnersSort By
AirAsia Rewards
Airline
1Points
3Miles
Min. Transfer1 pts
Transfer FeeFree
Effective Ratio1 pt = 3 mile
Flying Blue
Airline
1Points
1Miles
Min. Transfer1 pts
Transfer FeeFree
Effective Ratio1 pt = 1 mile
EVA Air Infinity MileageLands
Airline
2Points
1Miles
Min. Transfer1 pts
Transfer FeeFree
Effective Ratio1 pt = 0.5 mile
Hainan Airlines Fortune Wings Club
Airline
2Points
1Miles
Min. Transfer1 pts
Transfer FeeFree
Effective Ratio1 pt = 0.5 mile
JAL Mileage Bank
Airline
1Points
1Miles
Min. Transfer1 pts
Transfer FeeFree
Effective Ratio1 pt = 1 mile
Royal Orchid Plus
Airline
1Points
1Miles
Min. Transfer1 pts
Transfer FeeFree
Effective Ratio1 pt = 1 mile
Turkish Airlines Miles&Smiles
Airline
2Points
1Miles
Min. Transfer1 pts
Transfer FeeFree
Effective Ratio1 pt = 0.5 mile
United MileagePlus
Airline
2Points
1Miles
Min. Transfer1 pts
Transfer FeeFree
Effective Ratio1 pt = 0.5 mile
Qantas Frequent Flyer
Airline
1Points
1Miles
Min. Transfer1 pts
Transfer FeeFree
Effective Ratio1 pt = 1 mile
Vietnam Airlines Lotusmiles
Airline
1Points
1Miles
Min. Transfer1 pts
Transfer FeeFree
Effective Ratio1 pt = 1 mile
Air India Maharaja Club
Airline
1Points
1Miles
Min. Transfer1 pts
Transfer FeeFree
Effective Ratio1 pt = 1 mile
British Airways Executive Club
Airline
1Points
1Miles
Min. Transfer1 pts
Transfer FeeFree
Effective Ratio1 pt = 1 mile
Etihad Guest
Airline
1Points
1Miles
Min. Transfer1 pts
Transfer FeeFree
Effective Ratio1 pt = 1 mile
Singapore KrisFlyer
Airline
1Points
1Miles
Min. Transfer1 pts
Transfer FeeFree
Effective Ratio1 pt = 1 mile
Qatar Airways Privilege Club
Airline
1Points
1Miles
Min. Transfer1 pts
Transfer FeeFree
Effective Ratio1 pt = 1 mile
Marriott Bonvoy
Hotel
1Points
1Points
Min. Transfer1 pts
Transfer FeeFree
Effective Ratio1 pt = 1 pt
IHG One Rewards
Hotel
1Points
1Points
Min. Transfer1 pts
Transfer FeeFree
Effective Ratio1 pt = 1 pt
ALL - Accor Live Limitless
Hotel
1Points
1Points
Min. Transfer1 pts
Transfer FeeFree
Effective Ratio1 pt = 1 pt