HSBC Premier Credit Card

The HSBC Premier Credit Card is an exclusive premium card designed for HSBC Premier banking customers, offering a comprehensive suite of travel, lifestyle, and rewards benefits worth up to INR 2.5 lakhs per year. New cardholders receive a welcome bonus of 20,000 reward points upon activation, along with a joining fee of INR 12,000 and an annual renewal fee of INR 20,000, which is waived for customers meeting HSBC Premier eligibility criteria. On the travel front, the card provides unlimited domestic and international airport lounge access, a remarkably low 0.99% foreign exchange markup with no conditions, international travel insurance covering lost luggage and delays, and up to 12X reward points on hotels, flights, and car rentals through the Travel with Points programme. Cardholders also enjoy savings of up to 20% on Agoda hotel bookings and complimentary upgrades at over 3,800 luxury destinations worldwide through Mastercard. For everyday rewards, cardholders earn 3 reward points per INR 100 spent, with points that never expire and can be redeemed at a 1:1 ratio at the Apple online store or instantly converted to airline miles and hotel loyalty points. Lifestyle perks include BookMyShow buy-one-get-one offers, 30% dining discounts via EazyDiner, and exclusive privileges at The Bicester Collection Villages, making this a truly well-rounded premium card.