Which card has a lower forex fee: HSBC Premier Credit Card or Times Black ICICI Bank Credit Card?

HSBC Premier Credit Card has lower forex markup (0.99% vs 1.49%).

Which card has a lower annual fee: HSBC Premier Credit Card or Times Black ICICI Bank Credit Card?

Both cards have the same annual fee (₹20,000).

Which card offers better lounge access?

HSBC Premier Credit Card: 6 per quarter domestic lounge. Times Black ICICI Bank Credit Card: Unlimited domestic lounge access.

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 →

HSBC India Premier vs ICICI Bank Times Black Credit Cards – Fees, Lounge, Forex

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

Travel HSBC India Premier Forex HSBC India Premier Rewards ICICI Bank Times Black

Quick comparison

Three core metrics

Premier HSBC India

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

Times Black ICICI Bank

Annual fee ₹20,000 Waivable at ₹25,00,000 spend
Forex markup 1.49%
Domestic lounge Unlimited

Reward earning explained

Per card

Premier

3 pts / ₹100 on General spend

Limited data

Times Black

2 pts / ₹100 on General spend

Limited data

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (HSBC India Premier: ₹20,000 vs ICICI Bank Times Black: ₹20,000), forex markup (0.99% vs 1.49%), or lounge access (6/quarter vs Unlimited).

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 6 per quarter. Domestic lounge access is unlimited.
Rewards ICICI Bank Times Black wins

ICICI Bank Times Black is better for rewards

ICICI Bank Times Black is stronger here. Estimated base reward value is ~2% on base spend.

Verify with issuer

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
Times Black ICICI Bank: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Premier HSBC India	Times Black ICICI Bank
Lounge Access
Domestic lounge visits 6/quarter vs Unlimited	6/quarter	Unlimited
Forex / International Use
Forex markup Limited support — verify with issuer. 0.99% vs 1.49%	0.99%	1.49%
Fees
Annual fee	₹20,000	₹20,000
Joining fee ₹12,000 vs ₹20,000	₹12,000	₹20,000
Fee waiver spend Only available for Times Black ICICI Bank	Not specified	₹25,00,000
Interest-free period Only available for Times Black ICICI Bank	Not specified	Up to 48 days
Rewards
Points per ₹100 3 pts vs 2 pts	3 pts	2 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.