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HSBC Premier Credit Card - Is It The Best Credit Card From HSBC Ever?


HSBC Premier Card is designed to impart the travel and lifestyle privileges to individuals. It is more likely to enhance your international travel experience and will provide you with premium travel benefits such as free stay at Taj Hotel, free access to international lounge, etc.


HSBC is one of the world’s leading international banks and this card in specific comes with the MasterCard network. The card is accepted world wide across hotels, shops, resorts, etc.


What Are The Welcome Benefits Of HSBC Premier Credit Card?


  • HSBC Premier Card gives you the striking benefits, the card is especially designed to fulfill the needs of high-net-worth individuals who travel often and want to experience fine dining and luxuary retreats.

  • It gives you the Taj Experience Gift Cards, which offer you over INR 12,000 to redeem at Taj properties. It can be used at Taj, Vivanta, and Gateway hotels across India for the following: (a) room stays, (b) dining at hotels/restaurants, (c) spa treatments, (d) other hotel services.

  • Cashback Offer: User will get over INR 500 cashback upon spending INR5,000 within the first 30 days of card issuance.

  • Mobile Banking offer: User can earn INR 1,000 cashback by spending INR 20,000 within the first 30 days by logging into the HSBC India Mobile Banking app.

  • BookMyShow: Users can enjoy free movie ticket on any day of the week with buy one get one offer.


What Are The Reward Benefits Of HSBC Premier Credit Card?


  • Amazon eGift vouchers: Get an INR 100 voucher when you apply online.

  • Get 30% off on your bill up to INR 1,250 with EazyDiner.


What Are The Travelling Benefits HSBC Premier Card Is Providing?


  • HSBC Premier Credit Card is a luxury card. It provides you unlimited access to 1,400 international and domestic airport lounges via LoungeKey and Mastercard.

  • Not only the credit card offers unlimited domestic and international lounge visits, the credit card also offers 8 complimentary guest visits per year. This allows you to take your spouse/travelling companion to the airport lounge for free, along with you.

  • These facilites are provided for the comfort of the passengers over long layovers and because of these benefits delays become less stressful.

  • Inside an airport lounge, you can relax and enjoy complimentary food, beverages, etc.

  • The card comes with complimentary international travel insurance.



What Are The Pros Of Having HSBC Premier Credit Card?


  1. It provides you with unlimited international lounge access.

  2. Rewards on travelling, the card offers 3 reward points on spending of every INR 100. These reward points can be converted into air miles in the ratio of 1:1.

  3. Complimentary worldwide travel insurance.

  4. Low forex markup.

  5. Premium travel vounchers which can be encashed at Taj Hotels.

  6. No expiry on reward points as long as you hold the card.


What Are The Cons Of Having HSBC Premier Credit Card?


  1. High threshold for eligibility, a credit card applicant must be an existing member of HSBC Premier.

  2. Exorbitant joining and annual fees.

  3. The bank has limited physical presence in India.

  4. Limited rewards domestically when compared to other premium credit cards in India.


What Are The Charges And Annual Fees for HSBC Premier Credit Card?


Joining fee: INR 12,000 + GST (waived for HSBC Premier Customers)

Annual fee: INR 20,000 + GST (waived for HSBC Premier Customers)

Foreign currency markup: 0.99% on international transactions (very competitive)

Cash advance fee: 2.5% of the amount withdrawn or INR 300, whichever is higher.

Late payment charges: INR 250 - INR 950, depending on the total due amount.

Reward redemption fee: INR 50 per redemption process

Interest rate: up to 3.49% per month (equivalent to 41.88% annually)


Eligibility:-


  • Must have an HSBC Premier account or relationship.

  • Minimum Annual Income 3,600,000 (36 lakhs).

  • A good credit card score (usually 700+)

  • 21 years or older (age requirements may vary)

  • Must be a citizen or legal resident of the county.

  • Provides required documents (identity, income, address).


Conclusion:-


HSBC Premier credit card is a great choice for those individuals who value luxury and can afford to pay high annual fees. There are many financial and travel benefits like unlimited lounge access, 1:1 air mile conversions, comprehensive travel insurance, and a low 0.99% forex markup. It stands out as a top-tier travel card.


On the other side, this card has high joining and annual fees which limits its appeal to high-income professionals or international travelers who can take full advantage of this credit card. It’s an upgrade to your entire travel and financial experience.


 
 
 

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