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HSBC Premier

🇮🇳 India · HSBC

HSBC Premier

Name: HSBC Premier
Brand: HSBC
Rating: 4.5 (50 reviews)

HSBC Premier banking clients — no annual fee with relationship.

4.5 / 5

Joining fee

₹0

Annual fee

₹0

Top reward

Min income

₹4,000,000

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5-year value calculator

How much HSBC Premier actually pays you over time, net of annual fees.

Your monthly spend₹50,000

Includes 40% in this card's boost category, 60% general spend.

Annual rewards₹10,800

Annual feeNo fee

Cumulative net value

+₹54,000

over 5 years

Year 1

₹10,800

+₹10,800/yr

Year 2

₹21,600

+₹10,800/yr

Year 3

₹32,400

+₹10,800/yr

Year 4

₹43,200

+₹10,800/yr

Year 5

₹54,000

+₹10,800/yr

Year 1 (with bonus)

₹10,800

Year 2+ (steady state)

₹10,800/yr

Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.

Reward rates

What you earn back, by category.

travel

📈

Everything else

📈

🎁

Welcome bonus

40,000 reward points on Premier banking opening

What you get

3 reward points per ₹100 on travel + dining
1 reward point per ₹100 on others
Free for HSBC Premier clients (₹40L+ relationship)
Unlimited international lounge visits via LoungeKey
1.99% forex markup
Worldwide travel + emergency assistance

Eligibility

These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.

Min annual income

₹4,000,000

Min credit score

800+

Self-employed

Eligible

MatchYour SaaS · pays best on this card

Best SaaS to pay with the HSBC Premier

The SaaS subscriptions where HSBC Premier earns the most for you — ranked by net annual savings vs a default 3.5%-forex retail card. If your stack covers all six, the modelled savings stack to ≈ ₹1,83,668/yr.

Top match

Big forex win