Eligible spend
3 points per ₹100 on eligible spend
HSBC MASTERCARD
Premier
SUPER PREMIUM
Should you get this?
Conditional fit
Why this card
- Unlimited lounge access is a clear travel strength.
- Forex markup is low at 0.99%.
- Up to 36 pts / ₹100 on Hsbc Travel With Points Hotels
Trade-off
Annual fee is ₹20,000, so value depends on actual usage.
Card fees ₹12,000 to join From year 2 · ₹20,000 / year
Rewards 3 pts / ₹100
Lounge access ∞ unlimited domestic + international
Forex markup 0.99% low
Compare with Axis Bank Magnus →
Similar tier comparison
What it costs to get, and to keep
Joining vs renewalFirst year
₹12,000joining fee
From year 2
₹20,000renewal fee
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend3 pts / ₹100Credited as reward points—
Hsbc Travel With Points Hotels36 pts / ₹100Credited as reward points18,000 points per month — shared across Hsbc Travel With Points Cars, Hsbc Travel With Points Flights & Hsbc Travel With Points Hotels
Hsbc Travel With Points Flights18 pts / ₹100Credited as reward pointsShared across Hsbc Travel With Points Cars, Hsbc Travel With Points Flights & Hsbc Travel With Points Hotels
Hsbc Travel With Points Cars6 pts / ₹100Credited as reward pointsShared across Hsbc Travel With Points Cars, Hsbc Travel With Points Flights & Hsbc Travel With Points Hotels
One shared ceiling applies across 3 of these categories — they draw from the same cap pool.
Annual fee in context
Annual fee is ₹20,000. The issuer doesn't publish a documented cash value for its reward points, so a reliable rewards break-even estimate can't be shown.
Reward reality — the earning-rate detail behind the numbers above
Reward reality
Conclusion · what you actually getPoint value
Not published by issuer — varies by redemption
Best verified lane
Hsbc Travel With Points Hotels
36 pts / ₹100
View bonus categories →Caps
- Hsbc Travel With Points Hotels18,000 points per month — shared across Hsbc Travel With Points Cars, Hsbc Travel With Points Flights & Hsbc Travel With Points Hotels
Realisation
Credited as reward points
Costs & fees
Reported but unverified
Evidence · not used as this card's figures- Renewal fee
- ₹20,000Reported by secondary sources · verify with issuer · 1 source
Evidence only · excluded from decisions
Watch outs
Before choosing this card- Reward point value isn't clearly documented yet, so overall returns may vary.
- Annual fee is ₹20,000, so value depends on actual usage.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: Based on the standard earn rate (3 pts / ₹100). Up to ~1,500 pts/month if the entire spend qualifies. Excluded transactions and category rules earn less. Partner bonuses aren't included.
- We can estimate the points earned, but not a verified ₹ value yet.
- Annual-fee waiver not offered by issuer
- Forex cost ~₹500 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic (cardholder)
- Unlimited — via Mastercard lounge programme Domestic: No spend requirement. International: No spend requirement.
- International (cardholder)
- Unlimited
- Guest access
- 8 per year
Lounge network
Rewards
- Base earn
- 3 points per ₹100 · verified 9 Jul 2026 value depends on redemption
Insurance Cover
- Lost card liability cover
- ₹3 lakh · verified 9 Jul 2026
- Underwriter
- Insured by ICICI Lombard General Insurance Company Limited · verified 9 Jul 2026
Fees & charges
Fees
- Monthly interest rate
- 2.99% / month
- Annual fee
- ₹20,000
- Joining fee
- ₹12,000 · verified 9 Jul 2026
- Annual-fee waiver
- Not offered
International Use
- Forex markup
- 0.99%
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- CardInsider
- Issuer site (verify current terms) , opens external site
- Operator-verified anchor
- Product tier
- Super-premium
Travel & perks
Fuel Benefits
At the pump- 1% fuel surcharge waived on transactions ₹400–₹4,000.
Fine print & compare
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · earning · redemption · last refreshCaps & limits
- Monthly cap: 18,000 points per month — shared across Hsbc Travel With Points Cars, Hsbc Travel With Points Flights & Hsbc Travel With Points Hotels.
- After the shared cap is reached, post-cap earning varies — check issuer terms.
Latest update
- Annual fee: ₹20,000.
- Forex markup currently listed at 0.99%.
- Unlimited domestic lounge · Unlimited international.
Common questions
From verified card factsIs this good for lounge access?
Unlimited domestic lounge + Unlimited international. Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.
Is this good for international spends?
Forex markup is 0.99%, which can be useful for international spends if the annual fee and usage pattern still make sense.
Is the annual fee easy to recover?
₹20,000 every year. The issuer does not offer an annual-fee waiver.
Learn more
Guides matched to this card — not a random syllabus.
- LoungeKey
The door method the card records - Forex markup
Why 3.5% can erase travel rewards - How reward rate works
Pts / ₹100 without the marketing fog