HSBC credit cards: fees, rewards and eligibility compared

HSBC credit cards and their terms

1. RuPay Cashback Credit Card (HSBC): joining fee ₹499 · annual fee ₹499, waived on ₹2,00,000 yearly spend · base reward 1% of spend · lounge visits per year: 8 domestic, 2 international · forex markup 3.5% · income guide ₹6,00,000 a year · credit score 720+. A RuPay UPI-enabled cashback credit card delivering 10% returns on dining and groceries alongside airport lounge access. Perks: 10% cashback on dining, food delivery, and grocery spends (subject to a combined monthly pool cap); Seamless UPI integration for scanning and paying merchants via third-party apps; 8 domestic airport lounge access visits per year (2 per quarter) plus 2 international lounge visits via JCB network.
2. Taj Credit Card (HSBC): joining fee ₹10,000 · annual fee ₹10,000 · base reward 1% of spend · forex markup 2.5% · income guide ₹30,00,000 a year · credit score 750+. An ultra-premium co-branded luxury card offering elite Taj Epicure membership and top-tier rewards on high-end dining and travel. Perks: Complimentary Taj Epicure Membership offering exclusive dining and stay privileges; Accelerated reward points on dining, luxury stays, and hotel expenses; Unlimited complimentary domestic and international airport lounge access.
3. Visa Platinum Credit Card (HSBC): no joining fee · no annual fee · base reward 0.33% of spend · forex markup 3.5% · income guide ₹4,00,000 a year · credit score 700+. A lifetime-free entry-level reward card offering solid air miles transfer capability and lifestyle benefits with zero annual fees. Perks: Lifetime free credit card with zero joining and annual fees; 2 reward points for every ₹150 spent on general retail purchases; Complimentary Swiggy One membership and Times Prime subscription.
4. Live+ Credit Card (HSBC): joining fee ₹999 · annual fee ₹999, waived on ₹2,00,000 yearly spend · base reward 0.2% of spend · lounge visits per year: 4 domestic · forex markup 3.5% · income guide ₹4,00,000 a year · credit score 720+. A cash-back focused credit card offering an impressive 10% returns on dining, food delivery, and grocery expenses. Perks: 10% cashback on dining, food delivery, and grocery spends (capped at ₹1,000 per month); 4 complimentary domestic airport lounge visits per year (1 per quarter); Easy annual fee waiver on spending ₹2,00,000 or more in an anniversary year.
5. TravelOne Credit Card (HSBC): joining fee ₹4,999 · annual fee ₹4,999 · base reward 0.8% of spend · lounge visits per year: 8 domestic, 4 international · forex markup 3.5% · income guide ₹6,00,000 a year · credit score 750+. A premier travel credit card offering accelerated rewards on travel bookings and instant point transfers to airline and hotel loyalty programs. Perks: Instant reward point transfers to multiple major airline and hotel partners directly via the HSBC India app; 8 complimentary domestic airport lounge visits per year (capped at 2 per quarter); 4 complimentary international airport lounge visits per year.
6. Premier Credit Card (HSBC): joining fee ₹12,000 · annual fee ₹12,000 · base reward 1.5% of spend · income guide ₹30,00,000 a year · credit score 750+. An invitation-only elite lifetime-free card offering zero forex markup and unlimited global airport lounge access for Premier banking customers. Perks: Lifetime free credit card exclusively for HSBC Premier banking clients with zero joining and annual fees; 0% forex markup fee on all international transactions; Unlimited complimentary domestic and international airport lounge access via primary card and supplementary cards.