HSBC Premier Credit Card
HSBC Premier relationship clients who travel internationally very frequently.
Main trade-off
This is relationship-gated, not an open application: you generally need to already be (or become) an HSBC Premier banking client.
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| Feature | HSBC India HSBC Premier Credit Card | Axis Bank Axis Bank Magnus Credit Card for Burgundy |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | HSBC India | Axis Bank |
| Network | Visa | Visa |
| Annual fee | ₹20,000 + GST per year | ₹30,000 + GST per year |
| Annual fee waiver | No waiver recorded | At ₹30,00,000 annual spending |
| Base reward rate | 3% | 1.2% |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Not eligible | Not eligible |
| Airport lounge access | Unlimited domestic airport lounge visits • Unlimited international airport lounge visits | Unlimited domestic airport lounge visits • Unlimited international airport lounge visits |
| Forex markup | 1.0% | 2% |
| Monthly income requirement | Approx. ₹3,00,000/month | Not listed |
| Terms verified | 21 Sept 2026 | 21 Sept 2026 |
| Best suited to | HSBC Premier relationship clients who travel internationally very frequently. | Axis Burgundy relationship customers with very high, sustained monthly spend. |
| Main trade-off | This is relationship-gated, not an open application: you generally need to already be (or become) an HSBC Premier banking client. | This card is restricted to eligible Burgundy relationships. The strongest rates require high monthly spend or Travel EDGE, and the ₹30,000 renewal fee needs ₹30 lakh eligible annual spend for waiver. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
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