PointsVista · India · Updated 2026-10-04

HSBC Premier Credit Card

HSBC · Bank points

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Premier-banking card with 1:1 airline/hotel transfers, unlimited lounge access worldwide and a 0.99% forex markup.

Welcome offer
20,000 reward points on card activation, plus ₹1,000 cashback on ₹1,000 spend within 30 days (after income documents via Account Aggregator)
Annual fee
₹12,000 joining; ₹20,000 a year from year 2, waived for qualified Premier customers (page does not say whether GST is extra)
Rewards rate
3 reward points per ₹100; up to 12X on hotels, flights and car rentals via Travel with Points; points convert 1:1 to airline miles and hotel points
Regular APR
Interest is charged monthly; see the bank's fees page
Recommended CIBIL score
CIBIL 700+ (guide: TransUnion CIBIL calls 700+ good; the bank doesn't publish a minimum)
Forex markup
0.99%
Airport lounges
Domestic and international lounges. Unlimited. 8 international guest visits.
Points go to
HSBC TravelOne Points. Transfers to 15 airlines and 5 hotel programs (Accor, Marriott Bonvoy, IHG, Wyndham, Shangri-La), mostly 1:1 and instant. Named airline partners shown.

Airline transfer partners

Apply ↗ See the route map and compare cards

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