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
Celesta Credit Card
Rs 0Annual fee
8Domestic lounge
Domestic lounge conditions
- 2 complimentary domestic airport lounge visits per quarter (subject to minimum spend of ₹60,000 in the preceding quarter).
- 2 complimentary international airport lounge visits per calendar year.
2%Forex markup
Best for
Travel, Lounge, Dining, International, Lifetime Free, Premium
Top rewards
Travel Spends: 3 Reward Points / ₹100 spent; International Spends: 3 Reward Points / ₹100 spent; Dining Spends: 2 Reward Points / ₹100 spent
| Feature | Premier Credit Card | Celesta Credit Card |
|---|---|---|
| Issuer | HSBC Bank | Federal Bank |
| Network | Mastercard | Mastercard |
| Joining fee | Rs 12,000 | Rs 0 |
| Annual fee | Rs 20,000 | Rs 0 |
| Reward type | Reward Points | Reward Points |
| Best for | Premier, Travel, Lounge, Forex, Premium | Travel, Lounge, Dining, International, Lifetime Free, Premium |
| 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 | Travel Spends: 3 Reward Points / ₹100 spent; International Spends: 3 Reward Points / ₹100 spent; Dining Spends: 2 Reward Points / ₹100 spent |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | Unlimited | 8 |
| International lounge | Unlimited | 2 |
| Forex markup | 0.99% | 2% |
| Milestone benefits | Annual renewal fee waived for qualified HSBC Premier customers meeting the Premier relationship criteria. | Not Listed |
| Redemption | Air miles: upto ₹ 1 per point | Air miles: upto ₹ 0.1667 per point; Statement credit: upto ₹ 0.25 per point |
| Key exclusions | Fuel transactions, Cash advances, Card fees, charges, interest, and disputed transactions | Fuel transactions, Cash advance transactions, Rent payments, Wallet loading transactions, EMI transactions, Government transactions |