SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for premier, travel, and lounge.
Why it can work
It combines complimentary airport lounge access, a low 0.99% forex markup, and accelerated rewards on hotels via hsbc.
Where value may drop
Fuel don't earn rewards. Monthly reward caps apply on the top categories.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many reward points you earn and what they are worth.
What your points are worth
Same points, very different value depending on how you redeem.
How you earn it
| Category | Monthly spend | Reward Points/yr |
|---|---|---|
| Hotel bookings | Rs 4,000 | 17,280 |
| Flight bookings | Rs 5,000 | 10,800 |
| Utility bills | Rs 3,000 | 1,080 |
| Other spends | Rs 8,000 | 2,880 |
| Rent | Rs 5,000 | 1,800 |
| Insurance | Rs 2,000 | 720 |
| Education | Rs 3,000 | 1,080 |
| Gold / jewellery | Rs 2,000 | 720 |
| Tax / Government payments | Rs 2,000 | 720 |
Estimates only. Reward rates, caps, and redemption values follow each bank's current terms and can change.
Best for / avoid if
Who this card suits — and who should skip it.
Best for Hotels Via HSBC
Up to 36 Reward Points / Rs 100
Best for airport lounge access
Unlimited complimentary lounge visits a year across domestic and international.
Best for international spends
A low 0.99% forex markup keeps overseas and forex transactions cheaper.
Best for travel and redemptions
Earns reward points you can put toward flights, hotels, or transfer partners.
Avoid if you expect uncapped rewards
Top reward categories are capped each month, so very high spends don't scale linearly.
Avoid if you want pure cashback
Simpler cashback cards exist if you'd rather not manage reward points.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate | Monthly cap |
|---|---|---|
| Hotels via HSBC | Up to 36 Reward Points / Rs 100 | 18,000 reward points |
| Flights via HSBC | Up to 18 Reward Points / Rs 100 | 18,000 reward points |
| Car rentals via HSBC | Up to 6 Reward Points / Rs 100 | 18,000 reward points |
| Utility, insurance, rent, education, tax, and jewelry spends | 3 Reward Points / Rs 100 | 3,000 reward points |
| Other eligible spends | 3 Reward Points / Rs 100 | - |
Redemption
| Airline | Programme | Ratio | TAT |
|---|---|---|---|
| Air India | Air India Maharaja Club | 1:1 | 5 days |
| AirAsia | airasia rewards | 1:3 | 1 day |
| Air France-KLM | Flying Blue | 1:1 | 1 day |
| British Airways | The British Airways Club | 1:1 | 1 day |
| Etihad Airways | Etihad Guest | 1:1 | 1 day |
| EVA Air | Infinity MileageLands | 1:1 | 1 day |
| Hainan Airlines | Fortune Wings Club | 2:1 | 5 days |
| Japan Airlines | JAL Mileage Bank | 1:1 | 10 days |
| Singapore Airlines | KrisFlyer | 1:1 | 1 day |
| Qantas Airways | Qantas Frequent Flyer | 1:1 | 1 day |
| Qatar Airways | Privilege Club | 1:1 | 1 day |
| Thai Airways | Royal Orchid Plus | 1:1 | 1 day |
| Turkish Airlines | Miles&Smiles | 2:1 | 1 day |
| United Airlines | MileagePlus | 2:1 | 1 day |
| Vietnam Airlines | Lotusmiles | 1:1 | 1 day |
| Hotel group | Programme | Ratio | TAT |
|---|---|---|---|
| Accor | ALL - Accor Live Limitless | 1:1 | 1 day |
| IHG Hotels & Resorts | IHG One Rewards | 1:1 | 1 day |
| Marriott International | Marriott Bonvoy | 1:1 | 1 day |
| Shangri-La | Shangri-La Circle | 5:1 | 1 day |
| Wyndham Hotels & Resorts | Wyndham Rewards | 1:1 | 1 day |
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- Unlimited complimentary domestic airport lounge access for primary and add-on cardholders.
- Unlimited complimentary international airport lounge access for primary and add-on cardholders.
- 8 complimentary international guest lounge visits per calendar year.
Exclusions
Categories that earn no rewards on this card.
- Fuel transactions
- Cash advances
- Card fees, charges, interest, and disputed transactions
Benefits and fine print
Welcome, renewal, and other listed benefits.
Joining benefits
- 20,000 reward points as a welcome benefit on card activation and completing first transaction within specified timeframe.
Additional benefits
- Qualified 1:1 point transfer to airline miles and hotel loyalty programmes via the HSBC India Mobile Banking app
- Buy One Get One free movie ticket offer on BookMyShow (up to Rs 750 per ticket, max Rs 1,500 per month)
- 30% off dining bill up to Rs 1,500 via EazyDiner
- 1% fuel surcharge waiver on transactions from Rs 400 to Rs 4,000
Additional details
- Reward points never expire
- Annual renewal fee is waived based on meeting HSBC Premier eligibility criteria rather than spend-based milestones
Eligibility
Check this before you apply.
Salaried
- Age 18 to 65 years
- Resident of India
- Existing HSBC Premier customer relationship (requires meeting Quarterly Total Relationship Balance or monthly salary credit of Rs 3 Lakhs)
Self-employed
- Age 25 to 65 years
- Resident of India
- Existing HSBC Premier customer relationship (requires meeting Quarterly Total Relationship Balance of Rs 50 Lakhs or qualifying home loan)
Compare before you decide
Alternatives based on what you might want instead.
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