HSBC Premier

Highlights

Reward rate (headline)

3%

Accor transfer

1 HSBC Reward Point = 1 ALL Reward Point (1:1)

Joining fee

₹12,000

Renewal fee

LTF for Premier customers, ₹20,000 for Non-premier customers

Forex fee

0.99% foreign exchange markup (no conditions, per HSBC)

Last updated

31 Jan 2026

Milestones

• Joining fee ₹12,000 (charged after card activation); annual renewal fee ₹20,000 (can be waived if you meet HSBC Premier eligibility criteria).

Joining benefits

• Welcome reward: 20,000 Reward Points (T&Cs apply)

Renewal benefits

• No annual fee for HSBC Premier customers. If not, 20K + GST

Lounge access

Unlimited domestic & international lounge access for cardholder, plus 8 international guest visits.

Transfer partners