Joining Fee
1st Year Fee: ₹12,000 + Taxes; 2nd Year Onwards: ₹20,000 + Taxes
Annual Fee
1st Year Fee: ₹12,000 + Taxes; 2nd Year Onwards: ₹20,000 + Taxes
Best Suited For
HSBC Premier Banking Loyalists and Frequent Global Travelers
Rewards Type
Reward Points
Rewards Rate
3 reward points for every ₹100 spent across all standard categories; Accelerated travel spends include 12X rewards on hotel bookings and 6X rewards on flight tickets via HSBC Rewards Marketplace
Welcome Benefits
20,000 bonus reward points on making the first transaction within the first 30 days of card issuance
Card Details +
Key Advantages
- ✓ 0.99% forex markup, among the lowest available on any Indian credit card
- ✓ 1:1 point transfer to a wide range of global airline and hotel partners
- ✓ Unlimited complimentary domestic and international lounge access, plus 8 guest visits a year
- ✓ 12X points on hotel bookings and 6X on flights through HSBC's Rewards Marketplace
Limitations
- ✕ Steep ongoing annual maintenance renewal fee barrier of ₹20,000 from the second year onwards
- ✕ Base reward rate yield of 3% is less competitive compared to rival top-tier premium cards offering up to 4.5%
- ✕ Strict monthly reward points accumulation caps applied across select routine lifestyle and payment categories