Which card has a lower forex fee: Axis Bank Primus Credit Card or HSBC Premier Credit Card?

Axis Bank Primus Credit Card has lower forex markup (0% vs 0.99%).

Which card has a lower annual fee: Axis Bank Primus Credit Card or HSBC Premier Credit Card?

HSBC Premier Credit Card has a lower annual fee (₹20,000 vs ₹3,00,000).

Which card offers better lounge access?

Axis Bank Primus Credit Card: Unlimited domestic lounge access. HSBC Premier Credit Card: 6 per quarter domestic lounge.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

Axis Bank Primus vs HSBC India Premier Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the Axis Bank Primus and the HSBC India Premier. Verify fees, lounge access, forex markup, and base rewards before you apply.

Travel Axis Bank Primus Forex Axis Bank Primus

Quick comparison

Three core metrics

Primus Axis Bank

Annual fee ₹3,00,000
Forex markup 0%
Domestic lounge Unlimited

Premier HSBC India

Annual fee ₹20,000
Forex markup 0.99%
Domestic lounge 6/quarter

Reward earning explained

Per card

Primus

1 pt / ₹100 on General spend

Limited data

Premier

3 pts / ₹100 on General spend

Limited data

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (Axis Bank Primus: ₹3,00,000 vs HSBC India Premier: ₹20,000), forex markup (0% vs 0.99%), or lounge access (Unlimited vs 6/quarter).

Travel Axis Bank Primus wins

Axis Bank Primus is better for travel

Axis Bank Primus is stronger here. Axis Bank Primus is cheaper for international spend (0% vs 0.99% forex).
Forex markup Axis Bank Primus wins

Axis Bank Primus is better for forex

Axis Bank Primus is stronger here. Axis Bank Primus has a lower forex markup (0% vs 0.99%).
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is unlimited. Domestic lounge access is 6 per quarter.
Rewards Insufficient data

Insufficient data to compare rewards

Only HSBC India Premier has comparable evidence here. Base earn is 3 pts per ₹100.

Primus: Limited data Premier: Limited data

Confidence: Low (limited information available)

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

HSBC Premier: Base earn not clearly specified
Primus: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Primus Axis Bank	Premier HSBC India
Lounge Access
Domestic lounge visits Unlimited vs 6/quarter	Unlimited	6/quarter
Forex / International Use
Forex markup Source agreement differs — verify both. 0% vs 0.99%	0%	0.99%
Fees
Annual fee ₹3,00,000 vs ₹20,000	₹3,00,000	₹20,000
Joining fee ₹5,00,000 vs ₹12,000	₹5,00,000	₹12,000
Interest-free period Only available for Primus	Up to 50 days	Not specified
Rewards
Points per ₹100 1 pts vs 3 pts	1 pts	3 pts

Notes

Some data has low confidence — verify with the issuer before relying on it.
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.