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 | HDFC Bank HDFC Bank Infinia Metal Edition Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | HSBC India | HDFC Bank |
| Network | Visa | Visa |
| Annual fee | ₹20,000 + GST per year | ₹12,500 + GST per year |
| Annual fee waiver | No waiver recorded | At ₹10,00,000 annual spending |
| Base reward rate | 3% | 1% |
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 | 13 Sept 2026 |
| Best suited to | HSBC Premier relationship clients who travel internationally very frequently. | High-net-worth individuals and senior leaders with ₹1 Lakh+ 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. | Strictly invite-only. HDFC does not publish a universal income threshold, and premium redemption values require specific routes. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
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