HSBC Bank
Premier Credit Card
SimplifyCards take:A good fit if you want a card built for premier, travel, and lounge
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Best for Hotels Via HSBCBest for
Up to 36 Reward Points / ₹100
!
Avoid if you expect uncapped rewardsWatch out
Top reward categories are capped each month, so very high spends don't scale linearly
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Good fit if you want a card built for premier, travel, and loungeBottom line
It combines complimentary airport lounge access, a low 0.99% forex markup, and accelerated rewards on hotels via hsbc
Estimate your Reward Points
Adjust your monthly spend to see the card's estimated annual value
How the card works
Reward Points rates
| Category | Rate | Monthly cap |
|---|---|---|
| Hotels Via HSBC | Up to 36 Reward Points / ₹100 | 18,000 Reward Points |
| Flights Via HSBC | Up to 18 Reward Points / ₹100 | 18,000 Reward Points |
| Car Rentals Via HSBC | Up to 6 Reward Points / ₹100 | 18,000 Reward Points |
| Utility, Insurance, Rent, Education, Tax, And Jewelry Spends | 3 Reward Points / ₹100 | 3,000 Reward Points |
| Other Eligible Spends | 3 Reward Points / ₹100 | - |
Redemption
Airmile transferupto 3 airmile per point
| 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 |
Important conditions
1
Domestic loungeUnlimited visits per year
- Unlimited complimentary domestic airport lounge access for primary and add-on cardholders
2
International loungeUnlimited visits per year
- Unlimited complimentary international airport lounge access for primary and add-on cardholders
- 8 complimentary international guest lounge visits per calendar year
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 ₹750 per ticket, max ₹1,500 per month)
- 30% off dining bill up to ₹1,500 via EazyDiner
- 1% fuel surcharge waiver on transactions from ₹400 to ₹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 ₹3 Lakhs)
Self-employed
- Age 25 to 65 years
- Resident of India
- Existing HSBC Premier customer relationship (requires meeting Quarterly Total Relationship Balance of ₹50 Lakhs or qualifying home loan)
Exclusions
Spending that does not earn reward points
- Fuel transactions
- Cash advances
- Card fees, charges, interest, and disputed transactions
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