HSBC Premier

Available to HSBC Premier customers. Earn 3 Reward Points per ₹100; convert instantly to select airline miles/hotel points (many at 1:1) and earn up to 12X on ‘Travel with Points’.

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Highlights

Reward rate (headline): 3%
Accor transfer: 1 HSBC Reward Point = 1 ALL Reward Point (1:1)
Joining fee: ₹12,000
Renewal fee: LTF for Premier customers, ₹20,000 for Non-premier customers
Forex fee: 0.99% foreign exchange markup (no conditions, per HSBC)
Last updated: 31 Jan 2026

Milestones

Joining fee ₹12,000 (charged after card activation); annual renewal fee ₹20,000 (can be waived if you meet HSBC Premier eligibility criteria).

Joining & renewal benefits

Welcome reward: 20,000 Reward Points (T&Cs apply)

Lounge access

Unlimited domestic & international lounge access for cardholder, plus 8 international guest visits.

Joining benefits

Welcome reward: 20,000 Reward Points (T&Cs apply)
Transfer to Accor, get 40K worth of hotel stays (T&Cs apply)

Renewal benefits

No annual fee for HSBC Premier customers. If not, 20K + GST

Exclusions

No exclusions listed yet.

Transfer partners

Hotels

Partner	Transfer ratio	Rewards %
ALL – Accor Live Limitless	1:1	6%
IHG One Rewards	-	-
Marriott Bonvoy	-	-
Shangri-La Circle	-	-
Wyndham Rewards	-	-

Airlines

Partner	Transfer ratio	Rewards %
Air India Maharaja Club	-	-
airasia rewards	-	-
Flying Blue (Air France–KLM)	-	-
The British Airways Club	-	-
Etihad Guest	-	-
Infinity MileageLands (EVA Air)	-	-
Fortune Wings Club (Hainan Airlines)	-	-
JAL Mileage Bank (Japan Airlines)	-	-
Singapore Airlines KrisFlyer	-	-
Qantas Frequent Flyer	-	-
Qatar Airways Privilege Club	-	-
Royal Orchid Plus (Thai Airways)	-	-
Turkish Airlines Miles&Smiles	-	-
United MileagePlus	-	-
Vietnam Airlines Lotusmiles	-	-

Others

No other transfer partners listed yet.

Updates & posts

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