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
AURUM Credit Card
Rs 9,999Annual fee
Rs 12,00,000Fee waiver spend
16Domestic lounge
Domestic lounge conditions
- 16 complimentary domestic airport lounge visits per year, capped at 4 visits per quarter
- Unlimited complimentary international airport lounge access with DreamFolks membership
1.99%Forex markup
Best for
Premium, Travel, International Travel, Lounge, Movies, Forex
Top rewards
All Eligible Purchases: 4 Reward Points / ₹100 spent
| Feature | Premier Credit Card | AURUM Credit Card |
|---|---|---|
| Issuer | HSBC Bank | SBI Card |
| Network | Mastercard | Mastercard, Visa |
| Joining fee | Rs 12,000 | Rs 9,999 |
| Annual fee | Rs 20,000 | Rs 9,999 |
| Fee waiver spend | - | Rs 12,00,000 |
| Reward type | Reward Points | Reward Points |
| Best for | Premier, Travel, Lounge, Forex, Premium | Premium, Travel, International Travel, Lounge, Movies, Forex |
| Top reward categories | 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 | All Eligible Purchases: 4 Reward Points / ₹100 spent |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | Unlimited | 16 |
| International lounge | Unlimited | Unlimited |
| Forex markup | 0.99% | 1.99% |
| Milestone benefits | Annual renewal fee waived for qualified HSBC Premier customers meeting the Premier relationship criteria. | Monthly Tata CLiQ Luxury voucher worth ₹1,500 on monthly spends of ₹1 lakh, Tata CLiQ Luxury voucher worth ₹5,000 on annual spends of ₹5 lakh, Taj experience voucher worth ₹10,000 on annual spends of ₹10 lakh, Apple voucher worth ₹20,000 on annual spends of ₹20 lakh |
| Redemption | Air miles: upto ₹ 1 per point | Statement credit: upto ₹ 0.25 per point |
| Key exclusions | Fuel transactions, Cash advances, Card fees, charges, interest, and disputed transactions | fuel spends, cash advances, balance transfers, wallet loading transactions, rent payments, government services spends |