ixigo Credit Card
Rs 0Annual fee
8Domestic lounge
Domestic lounge conditions
- Complimentary domestic airport lounge access requires a minimum spend of ₹50,000 in the preceding calendar quarter to unlock 2 visits in the subsequent quarter.
- 2 complimentary railway lounge visits per calendar quarter (no spend threshold)
- 2 complimentary railway lounge visits per calendar quarter (no spend threshold)
- Priority Pass membership can be requested from credit card support; access charges apply for domestic lounges, guest visits, or exceeding the 1 complimentary international visit per year.
0%Forex markup
Best for
Travel, Rail, Forex
Top rewards
Online Spends: 10 reward points per ₹200; Offline Spends: 5 reward points per ₹200; UPI Transactions On RuPay: 5 reward points per ₹200
Premier Credit Card
Rs 20,000Annual fee
UnlimitedDomestic lounge
Domestic lounge conditions
- 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.
0.99%Forex markup
Best for
Premier, Travel, Lounge, Forex, Premium
Top rewards
Hotels Via HSBC: Up to 36 Reward Points / ₹100; Flights Via HSBC: Up to 18 Reward Points / ₹100; Car Rentals Via HSBC: Up to 6 Reward Points / ₹100
| Feature | ixigo Credit Card | Premier Credit Card |
|---|---|---|
| Issuer | AU Small Finance Bank | HSBC Bank |
| Network | Visa, RuPay | Mastercard |
| Joining fee | Rs 0 | Rs 12,000 |
| Annual fee | Rs 0 | Rs 20,000 |
| Reward type | Reward Points | Reward Points |
| Best for | Travel, Rail, Forex | Premier, Travel, Lounge, Forex, Premium |
| Top reward categories | Online Spends: 10 reward points per ₹200; Offline Spends: 5 reward points per ₹200; UPI Transactions On RuPay: 5 reward points per ₹200 | Hotels Via HSBC: Up to 36 Reward Points / ₹100; Flights Via HSBC: Up to 18 Reward Points / ₹100; Car Rentals Via HSBC: Up to 6 Reward Points / ₹100 |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 8 | Unlimited |
| International lounge | 1 | Unlimited |
| Forex markup | 0% | 0.99% |
| Milestone benefits | Earn 5,000 bonus Reward Points (worth up to ₹2,500) on spending ₹75,000 or more per calendar quarter | Annual renewal fee waived for qualified HSBC Premier customers meeting the Premier relationship criteria. |
| Redemption | Statement credit: upto ₹ 0.25 per point | Air miles: upto ₹ 1 per point |
| Key exclusions | fuel spends, rental payments, wallet loading and top-up transactions, educational services and school fees, government services, international transactions | Fuel transactions, Cash advances, Card fees, charges, interest, and disputed transactions |