HSBC India Premier Credit Card

Lounge access

• Unlimited complimentary access to over 1,400 airport lounges internationally with complimentary LoungeKey membership, available to both Primary and Add-on Cardholders.
• Plus 8 complimentary international guest visits (only on primary cards, none on add-on cards).
• Also Mastercard Domestic lounge access at listed Domestic and International Terminals in India.

Verified · HSBC Premier Mastercard Credit Card – Service Guide (Terms & Conditions / Card Usage) · 2026-08-03 · source

Forex markup

0.99% currency conversion charge on all foreign currency transactions (reduced from 3.5% effective 1 April 2020).

Verified · HSBC Premier Mastercard Credit Card – Service Guide (Terms & Conditions / Card Usage) · 2026-08-03 · source

Charge

• Finance charge / extended credit: 2.99% per month (35.88% p.a.) computed from date of transaction.
• Cash advance transaction fee: 2.5% of amount (min ₹300) at branches/ATMs.
• Cash withdrawal against bank account at ATMs overseas ₹100.
• Non-HSBC ATMs in India Nil.
• Cash advance limit: up to 60% of total card limit.
• Balance transfer: 10.99%-15.99% p.a., processing fee 1.5% (min ₹200).
• Late payment fee: 100% of Minimum Payment Due, min ₹250, max ₹1,200 per month (charged if MPD not paid within 3 days of due date).
• Overlimit fee: 2.5% of overlimit amount or ₹500 (whichever higher) + GST.
• Cheque bounce / SI dishonour / unsuccessful NACH: ₹350.
• Credit card replacement fee (within and outside India): ₹100.
• Currency conversion charge for foreign currency: 0.99%.
• Copy of credit information report: ₹50.
• Duplicate statements (older than 3 months): ₹100 per statement.
• Cash payment charge (CC bill payments in cash at HSBC branches/drop-boxes): ₹100.
• Rental and related payments (w.e.f. 25 January 2023): 1% processing fee plus applicable taxes.
• Add-on card: NIL.
• All fees charged along with applicable taxes.

Verified · HSBC Premier Credit Card – MITC & Tariff (Most Important Terms & Conditions) · 2026-08-03 · source

Interest-free period

• Up to 48 days free credit (effective 1 July 2021) on purchases if outstanding is settled in full by the payment due date.
• Not applicable to cash advance transactions and suspended if any previous month's balance is outstanding.
• Payment due date is 18 days from statement date.

Verified · HSBC Premier Credit Card – MITC & Tariff (Most Important Terms & Conditions) · 2026-08-03 · source

Fuel surcharge waiver

• 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 (both inclusive, excluding the surcharge amount), when transaction is made using the HSBC Credit Card.
• Reward points not awarded on transactions eligible for surcharge waiver.

Verified · HSBC Premier Credit Card – MITC & Tariff (Most Important Terms & Conditions) · 2026-08-03 · source

Milestone benefit

BookMyShow Buy 1 Get 1 free on movie tickets (each ticket capped at ₹750), 2 complimentary tickets in a month, up to 12 times a year.

Verified · harvested from product page · 2026-08-03 · source

Redemption value

• Reward points do not expire (evergreen).
• Redemption only via HSBC India Mobile Banking app.
• Gift Cards redeemed instantly (delivered to email).
• Merchandise on Rewards Marketplace completed within 20 working days.
• Air miles and hotel points completed instantly or within 1 working day (except Hainan Airlines 5 working days, JAL Mileage Bank 10 working days, Air India Maharaja Club 5 working days). 1 point = ₹1 on Apple products.
• Instant 1:1 conversion to air miles and hotel loyalty points.

Verified · HSBC Premier Mastercard Credit Card – Service Guide (Terms & Conditions / Card Usage) · 2026-08-03 · source

Reward cap

From 1 April 2025, reward points are earned only on spends up to a cumulative limit of ₹1,00,000 per month across specified categories (Bail and Bond Payments, Education and government, E-wallets, Financial Institutions, Jewelry, Money Transfer, Non-Financial Institutions, Real Estate Agents and Managers, Tax Payments, Utilities, Insurance).

Verified · HSBC Premier Mastercard Credit Card – Service Guide (Terms & Conditions / Card Usage) · 2026-08-03 · source

Reward exclusion

Verified · HSBC Premier Mastercard Credit Card – Service Guide (Terms & Conditions / Card Usage) · 2026-08-03 · source

Transfer partner

Verified · Premier Credit Card product page · 2026-08-03 · source

Concierge

Credit card emergency services (supported by Mastercard): HSBC Premier Emergency Hotline available 24 hours a day, 365 days a year, providing instant blocking of lost/stolen card, next-day replacement card or emergency cash advance virtually anywhere in the world.

Verified · HSBC Premier Mastercard Credit Card – Service Guide (Terms & Conditions / Card Usage) · 2026-08-03 · source

Dining benefit

EazyDiner: 30% off on your bill up to ₹1,250 with EazyDiner (HSBC Premier Mastercard Credit Cards starting 512042: 30% off up to ₹1,500 on minimum bill value of ₹3,000, coupon HSBC1500), valid once per card per calendar month during the offer period 1 January 2026 to 31 December 2026.

Verified · harvested from product page · 2026-08-03 · source

Golf benefit

One year complimentary membership to Golf Card, providing discounted green fee and access to select premium golf courses in India and overseas.

Verified · HSBC Premier Mastercard Credit Card – Service Guide (Terms & Conditions / Card Usage) · 2026-08-03 · source

Hotel benefit

• Agoda: get up to 20% off on hotel bookings on Agoda.
• Access to a curated collection of benefits at Taj, SeleQtions, Gateway, Vivanta hotels and ama Stays & Trails bungalows across the globe.

Verified · harvested from product page · 2026-08-03 · source

Travel benefit

Credit card emergency services supported by Mastercard: instant blocking of lost/stolen card, replacement card for next-day use or emergency cash advance pending delivery, and emergency cash advance at over 245,000 outlets across 200 countries and territories. home&Away programme provides shopping and dining privileges across more than 40 countries and territories worldwide.

Verified · HSBC Premier Mastercard Credit Card – Service Guide (Terms & Conditions / Card Usage) · 2026-08-03 · source

Insurance

• Personal travel insurance by ICICI Lombard covering Premier Cardholders up to ₹1 crore for loss of life in an air accident.
• Also covers Missed International Flight, Loss of Check-in baggage, Delayed Flight, Loss of Passport/Travel Document and Delayed baggage.
• Lost card liability: covered for misuse up to 24 hours before reporting and 7 days after reporting loss, up to ₹3,00,000.
• All insurance benefits available to valid primary Cardholders only.

Verified · HSBC Premier Mastercard Credit Card – Service Guide (Terms & Conditions / Card Usage) · 2026-08-03 · source

Eligibility

• Offered based on an HSBC Premier relationship in India (existing Premier customers).
• Qualified Premier criteria: quarterly TRB of at least INR 50,00,000 (INR 40,00,000 for accounts opened before 1 Jan 2026).
• OR net monthly salary credit of INR 3,00,000.
• OR (effective 1 Jan 2026) mortgage of at least INR 1,15,00,000 with TRB of INR 50,00,000 within 12 months of disbursement.
• Add-on cards for spouse, parents, siblings or children above 18 years (up to three).

Verified · HSBC Premier Credit Card – MITC & Tariff (Most Important Terms & Conditions) · 2026-08-03 · source

Official terms

https://www.hsbc.co.in/credit-cards/products/premier/.

Verified · HSBC Premier Mastercard Credit Card – Service Guide (Terms & Conditions / Card Usage) · 2026-08-03 · source