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HSBC

HSBC Premier

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Annual Fee

Free

Reward Type

Points

Forex

0%

Lounge

8 dom · 8 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining FeeFree
Annual FeeFree
Min Monthly Income₹3,00,000

Rewards

Reward TypePoints
Base Rate1.5%
Point Value₹0.5/point

Category Multipliers

flights4%international6%

Redemption Values

flights₹1/pt
statement credit₹0.5/pt

Travel & Global

Forex Markup0% - Zero Forex ✓
Domestic Lounge8 visits/yr
Intl. Lounge8 visits/yr
Lounge NetworkPriority Pass, Mastercard

India-Specific

Fuel Surcharge✓ 1% waiver

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✓ Lifetime Free Card

This card has no annual or renewal fee - ever. No spend targets needed.

🎯 Pro Tips

  • ▸LTF for Premier banking customers (₹30L+ relationship)
  • ▸0% forex markup — best for international spends
  • ▸8+8 lounge visits (domestic + international)

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹12,000

Effective Rate

1.0%

Ranked #60 of 173 cards#60

🔄 Redemption Pathways - Value per Point

MethodValue
Flight RedemptionBEST₹1/pt for flights

🏷️ Best For

travelinternationalpremiumlifestyle