HSBC Premier Metal Credit Card

Card Details

Issuer: HSBC
Card type: Travel, Shopping , Lifestyle
Joining fee: ₹12,000 + GST
Annual fee: ₹20,000 + GST
Rewards currency: Reward Points
Forex markup: 0.99%

Our Rating

4.9

Highlights

Unlimited Domestic & International Lounge Access
Low Forex Markup (0.99%)
Metal Form Factor

Welcome, annual & renewal benefits

Joining Fee: ₹12,000 + GST.
Annual Fee: ₹20,000 + GST (Waived for Premier Qualified).
Welcome Benefit: Earn 20,000 reward points when you start using your HSBC Premier Credit Card.

Reward earning

Spend type	Earn rate
All Spends	3 RP / ₹100
Flights through HSBC Market Place	18 RP / ₹100
Hotels through HSBC Market Place	36 RP / ₹100

Points never expire.
Redemption on HSBC Trvel Portal.
1 RP = ₹1 when redeemed at HSBC Market place
1 RP = ~₹2 when transfered to Accor Hotels
Utilities, Tax, Jewelry and Insurance earn points on spends up to ₹1,00,000 per month

Travel privileges

Unlimited domestic and international airport lounge access for cardholders.
8 international guest visits
24 complimentary golf rounds.
20% on hotel bookings with Agoda.
Get one night free when you book an eligible stay at participating hotels with Mastercard.
Get complimentary upgrades, early check-in and late check-out, and exclusive extras at over 3,800 luxury destinations worldwide with Mastercard

Additional Benefits

Buy one get one offers at BookMyShow, maximum of two free tickets worth up to ₹750 each in a calendar month
0.99% Foreign Currency Markup.
Get 1% fuel surcharge waiver at all fuel stations across India on transactions from INR400 to INR4,000.

Eligibility

Meet at least one of the following eligibility criteria in India.

Maintain an average quarterly Total Relationship Balance (TRB) of ₹50,00,000 (50 lakh).
Maintain a salary account with a net monthly salary credit of ₹3,00,000 (3 lakh)
Mortgage relationship of ₹11,500,000 (1 crore 15 lakh) and meet the Total Relationship Balance1 (TRB) criterion of ₹50,00,000 (50 lakh) within 12 months from the date of first disbursement of the mortgage loan

Review

A solid premium card if you have HSBC Premier status. Forex fees is very low with very good base reward rate. The reward multiplier on travel spends via HSBC marketplace is really good. One of the best Super Premium card out there.