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| Feature | ICICI Bank Times Black ICICI Bank Credit Card | HSBC India HSBC Premier Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | ICICI Bank | HSBC India |
| Network | Visa | Visa |
| Annual fee | ₹20,000 + GST per year | ₹20,000 + GST per year |
| Annual fee waiver | At ₹25,00,000 annual spending | No waiver recorded |
| Base reward rate | 2% | 3% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| International spending | 2.5% · International reward value | 3% · Other eligible Premier rewards |
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 | 1.5% | 1.0% |
| Monthly income requirement | Approx. ₹2,00,000/month salaried · ₹2,00,000/month self-employed | Approx. ₹3,00,000/month |
| Terms verified | 13 Sept 2026 | 21 Sept 2026 |
| Best suited to | Very high spenders seeking luxury travel and lifestyle privileges without tier-chasing. | HSBC Premier relationship clients who travel internationally very frequently. |
| Main trade-off | Requires very high spend eligibility to be offered; the ₹25L waiver threshold signals who this card is actually built for. | This is relationship-gated, not an open application: you generally need to already be (or become) an HSBC Premier banking client. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
