Not available via the quiz
Requires an existing HSBC Premier banking relationship (qualifying balance, salary credit, or mortgage/TRB route) — not available through a standard application.
HSBC Premier Credit Card
HSBC
Relationship-banking exclusive — kept in the catalog for reference only.
₹12,000
Joining fee
₹20,000
Annual fee
Waived for qualified HSBC Premier customers (official; Rs 12,000 joining / Rs 20,000 renewal).
0.99%
Forex markup
4.5 / 5
Rating
Eligibility
No minimum income specified
No minimum CIBIL score required
Restricted to HSBC Premier banking customers; Premier status requires meeting at least one of: average quarterly Total Relationship Balance (TRB) of Rs 50 lakh, net monthly salary credit of Rs 3 lakh, or a mortgage relationship of Rs 1.15 crore combined with Rs 50 lakh TRB within 12 months.
Sources disagree: Paisabazaar cites a TRB threshold of Rs 40 lakh versus the official Rs 50 lakh figure — minor discrepancy, flagged rather than reconciled.
Lounge access
Unlimited domestic & international lounge visits
Also includes 8 international guest visits (separate from the cardholder's own unlimited access).
Key features
- Unlimited domestic + international lounge access, 8 international guest visits
- 0.99% forex
- 20,000 welcome points
- Up to 12X points via Travel with Points
- Requires an existing HSBC Premier banking relationship — no separate income-based application path
Reward details
3 reward points per Rs 100 spent; points never expire
- up to 12X points on Hotels, flights, car rentals via 'Travel with Points'
Welcome bonus: 20,000 reward points (aggregator-sourced)
Redemption
Special redemption: 1 point = Rs 1 at Apple; instant 1:1 conversion to airline/hotel miles within the mobile app; also convertible to shopping, dining, and entertainment
Ratio: 1:1 to airline/hotel miles
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Flexible reward redemption across 20+ airline/hotel partners; unlimited lounge benefits highly valued by frequent travelers; the 20,000-point welcome bonus well received — Paisabazaar
Complaints
- The Rs 20,000 annual fee is 'very high' for those outside the Premier relationship; the base 3-points-per-Rs100 rate seen as lower than some other premium cards; availability restricted entirely to existing Premier customers — Paisabazaar
Sources
- Official — fees, eligibility, forex, lounge, rewards
- Aggregator — eligibility, sentiment