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

HSBC Premier Credit Card has lower forex markup (0.99% vs 1.5%).

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

HSBC Premier Credit Card has a lower annual fee (₹20,000 vs ₹50,000).

Which card offers better lounge access?

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

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

Travel HSBC India Premier Forex HSBC India Premier Rewards Axis Bank Reserve

Quick comparison

Three core metrics

Reserve Axis Bank

Annual fee ₹50,000 Waivable at ₹35,00,000 spend
Forex markup 1.5%
Domestic lounge Unlimited

Premier HSBC India

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

Reward earning explained

Per card

Reserve

7.5 pts / ₹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 Reserve: ₹50,000 vs HSBC India Premier: ₹20,000), forex markup (1.5% vs 0.99%), or lounge access (Unlimited vs 6/quarter).

Travel HSBC India Premier wins

HSBC India Premier is better for travel

HSBC India Premier is stronger here. Forex markup is 0.99%.
Forex markup HSBC India Premier wins

HSBC India Premier is better for forex

HSBC India Premier is stronger here. Forex markup is 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 Axis Bank Reserve wins

Axis Bank Reserve is better for rewards

Axis Bank Reserve is stronger here. Estimated base reward value is ~1.5% on base spend.

Confidence: Low (limited information available)

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Reserve: ~₹750/month at base rate
HSBC Premier: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Reserve Axis Bank	Premier HSBC India
Lounge Access
Domestic lounge visits Unlimited vs 6/quarter	Unlimited	6/quarter
Forex / International Use
Forex markup Limited support — verify with issuer. 1.5% vs 0.99%	1.5%	0.99%
Fees
Annual fee ₹50,000 vs ₹20,000	₹50,000	₹20,000
Joining fee ₹50,000 vs ₹12,000	₹50,000	₹12,000
Fee waiver spend Only available for Reserve	₹35,00,000	Not specified
Interest-free period Only available for Reserve	Up to 50 days	Not specified
Rewards
Points per ₹100 7.5 pts vs 3 pts	7.5 pts	3 pts
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for Reserve	₹0.2	Not specified

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.