Name: HSBC Premier Metal Credit Card
Brand: HSBC Bank Ltd
Price: 12000 INR
Rating: 4.4 (1 reviews)

HSBC Premier Metal Credit Card

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4.4 )

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Best For: Shopping | Travel

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The HSBC Premier Credit Card is intended for high-net-worth individuals who are interested in obtaining exclusive benefits and luxury rewards. Its unique selling proposition is the provision of premium benefits, including access to global airport lounges, personalised concierge services, and rewards on travel, dining, and retail. It is most suitable for business executives, frequent travellers, and luxury enthusiasts, as it offers exclusive discounts, access to premium events, and complimentary hotel accommodations. This card is the ideal choice for individuals seeking prestige, convenience, and exceptional value, as it enhances the luxury lifestyle with VIP experiences, travel benefits, and frictionless rewards.

Fees & Charges

Rewards

Features

Tools

Eligibility

Pro's & Cons

Card Details

Type of Card

Rewards

Reward %

3%

Joining Fees

₹

12000

Renewal Fees

20000

APR

35.88%

Welcome Benefit

Activate your HSBC Premier Credit Card and get an Epicure membership across Taj hotels and a Taj experience gift card worth INR12,000

Renewal Benefits

if member of the HSBC premier club

USP's:

Enjoy red carpet departures with unlimited airport domestic and international lounge access, plus 8 international guest visits.

Fees & Charges

Joining & Renewal Fees

12000,20000

Interest & Charges

APR: 45% per annum

Foreign Currency Markup: 0.99%

Cash Advance Fee: 2.5% of amount withdrawn or a minimum of Rs.500 (Whichever is higher)

Late Payment Fee:

Up to ₹10,000: ₹500

From ₹10,001 to ₹25,000: ₹750

Above ₹25,000: ₹950

Additional Charges

Reward Redemption Fees 0

Rewards

Regular Rewards: 3 reward points for every INR 100 spent

Accelerated Rewards: Up to 12X rewards on hotels, flights, and car rentals via “Travel with Points”

Milestone Benefits

No Milestone Benefits

Exclusions

Fuel, UPI

Rewards capping

Rewards Validity

3 Years from accural date

Redemption modes

Airline Transfer

Brand Vouchers

Additional Features

Lounge Benefits

Domestic : Unlimited
International : Unlimited with 8 guest lounge per year

Insurance Benefits

No Insurance Benefits

Other Perks

Discount offers on Edx
Discount offers on Yousician
Discount offers on British Council
Offers on Bookmyshow
30% Off on Eazydiner

Eligibility Criteria

Age

18Y

Min

60Y

Max

Credit Score

750 Ex Min

Other: Card-to-card eligibility requirements.

Pros

Earn 3 Reward Points for every ₹100 spent, equating to a 3% reward rate.

Unlimited complimentary domestic and international airport lounge access, with 8 free guest visits annually.

Low foreign currency markup fee of 0.99%, beneficial for frequent international travelers.

Reward Points transferable to multiple airline partners at a 1:1 ratio, enhancing travel redemption options.

Cons

High annual fee of ₹20,000 plus applicable taxes.

Eligibility restricted to HSBC Premier account holders, requiring a significant Total Relationship Balance or high salary credit.

Reward Points redemption options are primarily focused on travel and select vouchers, limiting flexibility.

No complimentary golf lessons or games included.

Terms and Conditions *

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★★★★★

(4.4)

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Category of Card	Reward %	Joining Fees	Welcome Benefits	Renewal Fees	Renewal Benefits	Best For	USP's
Rewards	3%	₹12000	Activate your HSBC Premier Credit Card and get an Epicure membership across Taj hotels and a T...	₹20000	if member of the HSBC premier club	Shopping \| Travel	Enjoy red carpet departures with unlimited airport domestic and international lounge access, p...

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View Details Apply Now

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Travel	2% -24%	₹4999	Spend ₹10,000 in first 30 days + download & login to HSBC app → ₹1,000 cashback, Postcard ...	₹4999	No Renewal Benefits. Avoid the ₹4,999+GST renewal fee by spending ₹8 Lakhs annually	Travel	Dedicated miles earning and comprehensive travel insurance coverage.