HSBC 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 / Rs 100; Flights via HSBC: Up to 18 Reward Points / Rs 100; Car rentals via HSBC: Up to 6 Reward Points / Rs 100
Times Black ICICI Bank Credit Card
Rs 20,000Annual fee
Rs 25,00,000Fee waiver spend
UnlimitedDomestic lounge
Domestic lounge conditions
- Priority Pass is provided to both primary and Plus cardholders.
1.49%Forex markup
Best for
luxury, travel, lounge, low forex, premium
Top rewards
International spends: 2.5 Reward Points / Rs 100 spent; Utility, Insurance, Education & Government spends: 2 Reward Points / Rs 100 spent; Other spends: 2 Reward Points / Rs 100 spent
| Feature | HSBC Premier Credit Card | Times Black ICICI Bank Credit Card |
|---|---|---|
| Issuer | HSBC Bank | ICICI Bank |
| Network | Mastercard | Visa |
| Joining fee | Rs 12,000 | Rs 20,000 |
| Annual fee | Rs 20,000 | Rs 20,000 |
| Fee waiver spend | - | Rs 25,00,000 |
| Reward type | reward points | ICICI Bank Reward Points |
| Best for | premier, travel, lounge, forex, premium | luxury, travel, lounge, low forex, premium |
| Top reward categories | Hotels via HSBC: Up to 36 Reward Points / Rs 100; Flights via HSBC: Up to 18 Reward Points / Rs 100; Car rentals via HSBC: Up to 6 Reward Points / Rs 100 | International spends: 2.5 Reward Points / Rs 100 spent; Utility, Insurance, Education & Government spends: 2 Reward Points / Rs 100 spent; Other spends: 2 Reward Points / Rs 100 spent |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | Unlimited | Unlimited |
| International lounge | Unlimited | Unlimited |
| Forex markup | 0.99% | 1.49% |
| Milestone benefits | Annual renewal fee waived for qualified HSBC Premier customers meeting the Premier relationship criteria. | Klook international experiences worth ₹10,000 on reaching ₹2 Lakh annual spend, WeWork day passes or airport transfers worth ₹10,000 on reaching ₹5 Lakh annual spend, Tata CLiQ Luxury Gift Card worth ₹10,000 on reaching ₹10 Lakh annual spend, One-night luxury stay at Ayatana or Lohono worth ₹20,000 on reaching ₹20 Lakh annual spend |
| Redemption | Air miles: upto Rs 1 per point | SmartBuy travel: upto Rs 1 per point; Air miles: upto Rs 1 per point; Statement credit: upto Rs 0.4 per point |
| Key exclusions | Fuel transactions, Cash advances, Card fees, charges, interest, and disputed transactions | fuel transactions, rent payments, EMI transactions |