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Features of the HSBC Premier Credit Card

  • Premium Design and Build: The HSBC Premier Credit Card is a metal credit card, a standout feature that underscores its premium status. Unlike traditional plastic cards, the metal form factor is not only aesthetically pleasing but also durable, offering a tactile sense of luxury. The card’s sleek design is crafted for perfection, making it a statement of sophistication for cardholders who value exclusivity. The weight and finish of the card enhance its appeal, making it a conversation starter at high-end venues.
  • Reward Points Program: The card offers a robust rewards program, allowing cardholders to earn 3 reward points for every ₹100 spent on eligible purchases. These points are versatile and can be redeemed for a variety of rewards, including air miles, shopping vouchers, and exclusive products like Apple devices through Imagine vouchers. A key feature is that reward points do not expire, providing cardholders with the flexibility to accumulate points over time without the pressure of redemption deadlines. This is particularly advantageous for frequent spenders who can amass significant points for high-value redemptions.
  • Reward Low Foreign Exchange Markup Fee: For international travelers, the HSBC Premier Credit Card offers one of the lowest foreign exchange markup fees in the super-premium segment, at just 0.99% of the transaction amount. This feature makes it highly cost-effective for international transactions, whether for shopping, dining, or travel-related expenses. Compared to other premium cards that often charge 2-3.5% markup fees, this low fee ensures significant savings for globetrotters.
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    • Unlimited Airport Lounge Access: One of the standout features is unlimited airport lounge access at over 1,400 airports worldwide through the Mastercard Travel Pass program. Cardholders can relax in comfort and style before flights, enjoying amenities like complimentary food, beverages, Wi-Fi, and quiet workspaces. Additionally, the card offers 8 international guest visits, allowing cardholders to bring guests along. To maintain complimentary access, a cross-border transaction of USD 1 or more is required every three months. This feature enhances the travel experience, making it ideal for frequent flyers.
    • Contactless Payment Technology: The card is equipped with Visa Paywave technology, enabling seamless contactless payments for quick and secure transactions. This feature is particularly useful for small, everyday purchases, allowing cardholders to tap and pay without the need for PIN entry for transactions below a certain threshold (typically ₹5,000 in India). The contactless feature aligns with modern payment trends, offering convenience and speed in retail environments.
    • Flexible EMI Options: The HSBC Premier Credit Card provides flexible Equated Monthly Installment (EMI) options, including Balance Transfer on EMI, Cash-on-EMI, and Loan-on-Phone. These options allow cardholders to convert large purchases or outstanding balances into manageable monthly payments at competitive interest rates. This feature is ideal for those making big-ticket purchases, such as electronics or travel bookings, as it provides financial flexibility and eases cash flow management.
    • Comprehensive Travel Insurance: The card includes complimentary travel insurance, covering international trips when return airline tickets are purchased with the card. This insurance provides coverage for trip cancellations, delays, lost luggage, and medical emergencies, offering peace of mind for frequent travelers. Additionally, the card offers insurance coverage for card misuse up to ₹300,000, effective 24 hours before reporting a lost or stolen card. These protections enhance the card’s appeal for those who prioritize security during travel.
    • Global Concierge Services: HSBC Premier Credit Cardholders have access to a 24/7 global concierge service, which assists with tasks such as booking travel, securing restaurant reservations, or arranging exclusive experiences. This service is particularly valuable for busy professionals and frequent travelers who need personalized assistance to manage their lifestyle needs. The concierge service elevates the card’s utility beyond financial transactions, offering a bespoke experience tailored to individual preferences.
    • Digital Wallet Integration: The card supports integration with digital wallets like Apple Pay and Google Pay, allowing cardholders to make secure, contactless payments using their smartphones or smartwatches. This feature enhances convenience, enabling users to leave their physical card at home while still accessing its benefits. The ability to add the card to a digital wallet directly from the HSBC Mobile Banking app ensures immediate usability, even before the physical card arrives.
    • Extended Warranty on Purchases: Cardholders benefits from a 2-year extended warranty on selected household appliances purchased with the card, provided by Domestic & General Insurance PLC. Items costing between £50 and £2,000 are eligible, provided they are registered within 90 days of purchase. This feature adds value by protecting expensive purchases against defects beyond the manufacturer’s warranty period, offering peace of mind for high-value items like electronics or appliances.
    • Purchase Protection: The card offers Purchase Assurance, covering most purchases against damage or theft within 90 days of purchase, up to a limit of $1,000. This feature is particularly useful for cardholders who frequently shop for high-value items, ensuring protection against unforeseen incidents. Additionally, the card is protected under Section 75 of the Consumer Credit Act (in applicable regions), which safeguards purchases between £100 and £30,000 against supplier breaches or misrepresentation.
    • Fuel Surcharge Waiver: Cardholders can save up to ₹3,000 annually on fuel surcharges, with a 1% waiver on transactions between ₹400 and ₹4,000 at any fuel pump in India. This feature is valuable for those who frequently drive, providing tangible savings on everyday expenses. Note that reward points are not awarded for transactions eligible for the surcharge waiver, ensuring clarity in the rewards structure.
    • Zero Liability for Lost Cards: The card offers zero liability for unauthorized transactions made after a lost or stolen card is reported to HSBC. This feature provides financial security, ensuring cardholders are not held accountable for fraudulent activities once the loss is reported. Emergency encashment services and card replacement within 36 hours further enhance this feature’s utility for global travelers.
    • Add-On Cards for Family: The HSBC Premier Credit Card allows up to three add-on cards for family members, sharing the primary card’s credit limit. The primary cardholder is responsible for all transactions, making this feature ideal for managing family expenses while extending the card’s benefits, such as lounge access and rewards, to loved ones.
    • Global Acceptance: The card is accepted worldwide through the Visa and Mastercard networks, ensuring seamless transactions in all countries and regions supported by these networks. This global acceptance makes it a reliable companion for international travel and shopping, with no restrictions on usability in supported regions.
    • Online and Mobile Banking Integration: Cardholders can manage their HSBC Premier Credit Card through HSBC’s online banking portal and mobile banking app, which offer features like balance checks, payment scheduling, card blocking/unblocking, and reward redemption. The app’s user-friendly interface allows for real-time account management, ensuring cardholders remain in control of their finances at all times.
    • Emergency Cash Access: In case of emergencies, the card provides access to up to $2,000 in emergency cash transfers if lost or stolen abroad. This feature is a lifesaver for travelers facing unexpected situations, ensuring they have access to funds when needed most.
    • Customizable Credit Limits: Subject to approval, cardholders can request credit limit increases through their Relationship Manager or HSBC’s customer service. This flexibility allows cardholders to tailor the card’s credit limit to their spending needs, making it suitable for both everyday purchases and large transactions.
    • No Annual Fee for Eligible Customers: For HSBC Premier customers who meet the eligibility criteria (e.g., maintaining a Total Relationship Balance of ₹4,000,000), the annual fee of ₹20,000 is waived. This feature makes the card cost-effective for those already integrated into HSBC’s Premier banking ecosystem, enhancing its value proposition.
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Benefits of the HSBC Premier Credit Card

  • Introduction to the Benefits:
    • Premium Offering: The HSBC Premier Credit Card is more than just a payment tool; it’s a gateway to a world of exclusive privileges and rewards tailored for high-net-worth individuals.
    • Comprehensive Value: Designed for HSBC Premier banking customers, the card enhances travel, dining, shopping, and financial management experiences. It delivers exceptional value with practical advantages and elevated lifestyle perks.
  • Exclusive Lifestyle Privileges:
    • Epicure Membership: Cardholders receive an Epicure membership with Taj Hotels, including benefits across Taj, SeleQtions, Gateway, Vivanta, and amã Stays & Trails bungalows.
    • Hospitality Enhancements: Enjoy perks such as priority reservations, room upgrades (subject to availability), and exclusive dining discounts that enhance luxury hospitality experiences.
    • Welcome Gift: New cardholders receive a Taj Experiences gift card worth ₹12,000 upon activation, valid from January 1, 2025, to December 31, 2025, offering immediate access to premium experiences.
    • Dining Discounts with EazyDiner: Cardholders enjoy a 30% discount (up to ₹1,250) on dining bills at select restaurants via EazyDiner, along with a complimentary Prime membership, ideal for food lovers across India and Asia.
    • Entertainment Offers with BookMyShow: Enjoy buy one, get one free movie tickets any day of the week, plus up to 25% off on food and drinks at UAE cinemas—perfect for leisure and international travel.
    • Travel Rewards and Privileges: Includes unlimited airport lounge access globally, 8 international guest visits, complimentary travel insurance, 0.99% forex fee, and point transfers to 20+ airline partners.
    • Shopping Discounts and Offers: Exclusive deals with global brands via HSBC’s home&Away, ShopRunner membership (US), and offers across luxury fashion and lifestyle outlets in 15+ countries.
    • Fuel Surcharge Savings: 1% waiver on fuel transactions between ₹400–₹4,000 across India, with up to ₹3,000 annual savings for regular drivers.
    • Reward Points Redemption Flexibility: Earn 3 points per ₹100 with no expiry. Redeem for air miles, Apple Imagine vouchers, or retail e-vouchers—ideal for premium spenders.
    • Financial Flexibility with EMI Options: Access Balance Transfer, Cash-on-EMI, and Loan-on-Phone options with competitive interest rates from 10.99%–15% to manage big purchases efficiently.
    • Complimentary Subscriptions: Enjoy Careem Plus, Zomato Gold (UAE), Peacock Premium, and Instacart+ (US), offering convenience and value for active users across regions.
    • Global Concierge and Assistance: 24/7 concierge for travel, events, and bookings, plus emergency card replacement and cash transfer worldwide.
    • Health and Wellbeing Benefits: Online GP access, mental health services (UK), and medical travel support in India, enhancing card value for health-conscious users.
    • Education and Learning Offers: Discounts on British Council, eDX, Yousician, and international education support for children through global partnerships.
    • Referral Program: Earn ₹5,000 in Amazon vouchers by referring friends who open a Premier or Advance account. Valid until Dec 31, 2024.
    • No Annual Fee for Eligible Customers: Maintain a TRB of ₹40 lakh or a mortgage of ₹1.15 crore to get the ₹20,000 fee waived, offering full benefits at no cost.
    • Enhanced Security Features: Zero liability on lost cards, purchase protection, and up to $600 for damaged/stolen phones in the US via Cellular Protection.
    • Exclusive Travel Experiences: Access Mastercard Travel Experiences, fast-track airport security, and early entry to attractions like NYC’s Edge at Hudson Yards.
    • Introductory Offers: New users get ₹1,000 cashback on ₹20K spend in 30 days, and a ₹12,000 Taj Experiences gift card upon activation (Jan–Dec 2025).
    • Global Premier Status: HSBC Premier India cardholders enjoy reciprocal Premier status in other HSBC countries, unlocking global banking and lifestyle privileges.
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How to Apply for the HSBC Premier Credit Card

  • Verify Eligibility Requirements:
    • The HSBC Premier Credit Card is available exclusively to HSBC Premier customers.
    • Ensure you meet Premier banking criteria, such as maintaining a Total Relationship Balance or having a mortgage relationship with HSBC (varies by country).
    • A credit score of 750 or higher is typically recommended for approval.
    • International credit history from select countries may be considered in some regions (e.g., UAE).
  • Choose Your Preferred Application Method:
    • You can apply online via the HSBC India website or partner platforms like paisabazaar.com or select.finology.in.
    • Other options include phone banking or visiting an HSBC Wealth Center for in-person assistance.
    • Pick the method that aligns best with your comfort and support needs.
  • Online Application Process:
    • Visit the HSBC website and go to the credit cards section. Select the HSBC Premier Credit Card and click "Apply Now."
    • Verify your identity via mobile OTP to view pre-qualified offers based on your financial profile.
    • Complete the application form with personal, employment, and financial details (e.g., PAN, income, etc.).
    • Upload digital copies of required documents: ID proof, address proof, income proof, and credit card statements (if applicable).
    • Schedule and complete the mandatory Video KYC (VKYC) session using a government-issued ID and stable internet.
  • Phone Banking Application:
    • Call HSBC’s 24/7 Premier Customer Service (e.g., 8885545255 in India).
    • Provide basic personal and account information to begin the process.
    • Submit required documents via email or through the HSBC Mobile Banking app as directed.
    • A representative will help schedule a VKYC session to complete identity verification.
  • In-Person Application at an HSBC Wealth Center:
    • Visit an HSBC Wealth Center in cities like Mumbai, Delhi, or Bengaluru.
    • Meet with a Relationship Manager to verify Premier eligibility and guide you through the process.
    • Submit hard copies of the required documents and complete Video KYC if needed.
    • Receive an application number for tracking progress online or via customer support.
  • Submit and Track Your Application:
    • Once you submit your application, you’ll receive a confirmation and tracking number.
    • Monitor your application status via the HSBC website or customer support hotline.
    • Processing typically takes up to two weeks, and the card is delivered within 7 working days of approval.
  • Post-Approval Steps:
    • Upon receiving your card, sign the back immediately to prevent misuse.
    • Activate the card via HSBC’s automated helpline or through the HSBC Mobile Banking app.
    • Add the card to digital wallets like Google Pay or Apple Pay for instant use.

Eligibility Criteria for the HSBC Premier Credit Card

  • Introduction to Eligibility Criteria: The HSBC Premier Credit Card is an exclusive offering available only to HSBC Premier banking customers. Its eligibility standards reflect the premium nature of the card, targeting high-net-worth individuals or those with a strong financial relationship with HSBC. Applicants must meet specific balance, income, and relationship criteria to qualify for this elite card and its global travel and lifestyle privileges.

  • Total Relationship Balance (TRB): Applicants must maintain a quarterly Total Relationship Balance (TRB) of ₹4,000,000 (₹40 lakh). TRB includes the average quarterly balance in HSBC savings/current accounts, fixed deposits, investment values, and demat holdings. Family balances (spouse, parents, children up to age 30) under a single Premier family relationship can also be included. Falling below the TRB threshold may result in a quarterly fee of 0.2% on the shortfall (up to ₹2,000 + GST).

  • Mortgage Relationship: Applicants are also eligible if they have an active mortgage of ₹11,500,000 (₹1.15 crore) or more with HSBC India. They must meet the ₹4,000,000 TRB requirement within 12 months of the first loan disbursement. No TRB-based penalty is charged as long as the mortgage remains active.

  • Corporate Salary Account Holders: Applicants with a corporate salary account under the HSBC Corporate Employee Programme (CEP) can qualify by maintaining a net monthly salary credit of ₹300,000 (₹3 lakh) or more. Accounts not meeting this salary threshold over time may be reclassified to a different banking tier.

  • Age and Residency: Applicants must be between 18 and 65 years of age and residents of India, particularly in cities where HSBC offers the card (e.g., Mumbai, Delhi, Chennai, Bengaluru, etc.). In some cases, non-resident Indians (NRIs) or global HSBC Premier customers may be eligible subject to international credit history and local terms.

  • Credit Score and Financial History: A credit score of 750 or above is generally preferred. HSBC evaluates applicants based on credit utilization, payment history, and debt-to-income ratio. A clean credit report, timely repayment record, and stable borrowing history significantly improve approval chances.

  • Employment and Income Requirements: Salaried individuals should have a stable job with a recognized employer and typically earn ₹3,600,000 (₹36 lakh) annually to meet Premier standards. Self-employed individuals must submit valid ITRs and demonstrate steady income and business reputation. Income consistency and professional stability are key approval factors.

  • HSBC Premier Banking Relationship: The card is exclusively for active HSBC Premier customers. Applicants must hold a Premier account with at least one transaction in the past 12 months. New customers are given up to six months to meet Premier qualification through savings, salary, or investments.

  • Family Member Access: Premier card benefits can be extended to immediate family members (spouse, parents, or children under 30) within a joint Premier relationship. Once a child crosses age 30, they must individually meet Premier criteria to retain access to the card and benefits like lounge access and rewards.

  • Application Timing and Limits: Applicants must not have applied for another HSBC credit card or received a credit limit increase within the last six months. They cannot apply for the same card if they already hold it. Maintaining a healthy credit profile and spacing out applications improves approval chances.

  • Global Premier Portability: HSBC Premier customers from select countries may qualify for the card in India through the Global Premier Status program. This is especially useful for expatriates or NRIs transitioning financial services across countries under the HSBC umbrella.

  • Tips to Improve Eligibility: Applicants can improve their eligibility by increasing TRB through savings or investments, improving credit scores by reducing credit utilization, or qualifying through a high-salary corporate account or large mortgage relationship.

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Documents Required for the HSBC Premier Credit Card

  • Overview of Documentation:
    • HSBC requires identity, address, and income documents for verifying applicant eligibility.
    • Digital or physical submission options are available; documents must be clear and up to date.
  • Key Documents for Application:
    • Proof of Identity:
      • PAN Card (Mandatory for Indian residents)
      • Passport (Indian and Non-Resident applicants)
      • Voter ID Card
      • Driving License
      • Aadhaar Card
      • PIO Card (for NRIs)
      • Form 60 (If PAN not available)
    • Proof of Address:
      • Aadhaar Card (not older than 3 months)
      • Recent Utility Bill (electricity, gas, water – within 3 months)
      • Passport or Driving License with current address
      • Ration Card
      • Property Registration Document
      • Bank Account Statement (recent)
      • Job Card issued by NREGA
    • Proof of Income:
      • For Salaried Applicants:
        • Latest Salary Slips (1–2 slips within last 3 months)
        • Last 3 Months' Bank Statements showing salary credit
        • Latest Form 16
        • Salary Certificate (for MNC corporate employees)
      • For Self-Employed Applicants:
        • Latest 2 Years’ ITRs
        • Profit and Loss Statements
        • Last 3–6 Months' Bank Statements (business or personal)
  • Additional Documents (If Applicable):
    • Existing Credit Card Holders:
      • Photocopy or Image of Current Credit Card (Front Side)
      • Latest Credit Card Statement
    • International or CEP Applicants:
      • International Credit Reports (for non-residents)
      • Corporate ID or Employment Verification Letter (for CEP members)
    • Mortgage Qualification Documents:
      • Loan Agreement Copy
      • Proof of Mortgage Disbursal (₹11,500,000 minimum)
  • Submission Guidelines:
    • Upload documents in JPEG or PDF format (max size 5MB per file).
    • Scans must be clear and legible.
    • Submit all documents together to avoid delays.
    • For physical applications, originals will be verified and returned.
  • Tips for Smooth Processing:
    • Ensure documents are recent and valid.
    • Label digital files clearly (e.g., “PAN_Card.pdf”).
    • Verify all address proofs match your current residential address.
    • Consult your Relationship Manager for personalized guidance.
  • Verification Process:
    • Video KYC with document presentation is required.
    • Cross-verification with credit bureaus and government databases.
    • In-person verification by Relationship Manager (if applicable).

Factors Affecting Eligibility for the HSBC Premier Credit Card

  • Total Relationship Balance (TRB): Applicants must maintain a quarterly TRB of ₹4,000,000, which includes balances across savings, current accounts, fixed deposits, investments, demat holdings, and eligible family member accounts. Failure to maintain TRB may result in charges and loss of Premier status.
  • Mortgage Relationship: Holding an HSBC mortgage of ₹11,500,000 or more can qualify applicants for Premier status, provided they achieve the ₹4,000,000 TRB within 12 months of the first disbursement. This is beneficial for home buyers using HSBC loans.
  • Corporate Salary Account: Premier status is granted to individuals with an HSBC Corporate Employee Programme salary account showing a monthly salary credit of ₹300,000 or more. A drop below this threshold may lead to reclassification and affect card eligibility.
  • Credit Score and Financial History: A credit score of 750+ is ideal. HSBC reviews payment history, credit utilization (preferably below 30%), and a low debt-to-income (DTI) ratio (ideally under 40%). Negative marks such as late payments or defaults can hinder approval.
  • Employment and Income Stability: Salaried individuals should have stable employment with reputed organizations. Self-employed applicants must show consistent income via ITRs and business performance. Frequent job changes or income fluctuations may reduce approval chances.
  • Age and Residency: Applicants must be aged 18–65 and reside in supported Indian cities (e.g., Mumbai, Delhi, Bengaluru, etc.). Global HSBC Premier customers may also be eligible under local terms.
  • Existing HSBC Premier Relationship: Only active HSBC Premier customers are eligible. An active account with at least one recent transaction is required. International Premier status may offer eligibility in India for returning clients or expatriates.
  • Number of Existing Credit Cards: Holding many credit cards with high balances increases credit utilization and may affect approval. HSBC restricts new card applications or limit increases within six months of a previous card issuance.
  • Debt-to-Income Ratio (DTI): A DTI above 50% may indicate financial strain. Applicants with lower DTI ratios are viewed as more capable of managing premium credit card responsibilities.
  • International Credit History: Non-residents or those recently relocated may apply using an international credit report from approved countries, improving eligibility if local history is limited.
  • Other Considerations: Recent rejections by HSBC, incomplete applications, or incorrect data may lead to denials. Applicants should avoid multiple recent applications and ensure accurate, verified documentation.
  • Strategies to Improve Eligibility: Increase TRB via deposits or investments, raise credit score through debt management, apply for a qualifying mortgage, or open a high-value salary account under HSBC CEP before applying.
  • Credit Card Utilization Trends: Applicants with consistently low credit utilization across existing cards are seen as financially disciplined, which can positively influence eligibility.
  • Recent Credit Inquiries: Multiple recent credit card or loan applications may be seen as credit-hungry behavior and reduce approval chances.
  • Existing Relationship Tenure: Long-standing HSBC customers (especially those with multiple product holdings) may receive preference during credit card evaluation.
  • Banking Activity: Regular transactions and usage of other HSBC services (e.g., investments, net banking) may indicate customer engagement and improve chances of approval.
  • KYC Compliance: Fully updated KYC records including PAN, Aadhaar, and recent address verification increase the likelihood of seamless processing and approval.
  • Mobile Number and Email Verification: Verified contact information associated with your HSBC account ensures smoother communication and faster updates regarding the application.
  • Tax Compliance: Filing regular ITRs and showing consistent tax records demonstrate financial transparency and boost confidence in the applicant's repayment ability.
  • Repayment Track Record: A clean history of timely EMI and credit card payments with other banks builds creditworthiness and trust for new card issuance.

Frequently Asked Questions (FAQs) – HSBC Premier Credit Card

1. What is the HSBC Premier Credit Card?
The HSBC Premier Credit Card is a premium metal credit card exclusively for HSBC Premier customers. It offers benefits like unlimited airport lounge access, low 0.99% foreign exchange markup, 3 reward points per ₹100 spent, Taj Epicure membership, and lifestyle perks.
2. Who is eligible to apply for the HSBC Premier Credit Card?
Applicants must be HSBC Premier customers and meet one of the following:
  • Quarterly Total Relationship Balance (TRB) of ₹4,000,000.
  • Mortgage of ₹11,500,000 or more with HSBC India.
  • Corporate salary account under HSBC CEP with a net monthly salary of ₹300,000 or more.
Applicants must also be aged 18–65 and residents of select Indian cities.
3. What is the Total Relationship Balance (TRB)?
TRB is the combined value of HSBC savings/current accounts, fixed deposits, investments, demat holdings, and family accounts. A quarterly TRB of ₹4,000,000 is required to maintain Premier status.
4. What happens if I don’t maintain the TRB?
A service charge of 0.2% on the shortfall (up to ₹2,000 + GST) is applied. Continued shortfalls may lead to losing Premier status and card eligibility.
5. Can I use my international credit history to apply?
Yes, HSBC allows the use of international credit history from select countries like the UAE to support the application, helpful for non-residents or new residents.
6. What documents are required to apply for the card?
Required documents include:
  • Proof of identity (e.g., PAN card, passport)
  • Proof of address (e.g., Aadhaar card, utility bill)
  • Proof of income (e.g., salary slips, ITR)
  • Existing credit card details (if any)
  • Self-attested recent photograph
7. How can I apply for the HSBC Premier Credit Card?
You can apply via:
  • HSBC India website
  • Partner platforms (e.g., paisabazaar.com)
  • Phone (e.g., 1800-266-3456)
  • HSBC Wealth Centers
The application includes form submission, documents, and Video KYC.
8. What is Video KYC, and why is it required?
Video KYC is a live video call with an HSBC representative to verify your identity and documents. It ensures compliance and speeds up the application process.
9. How long does the application process take?
The process typically takes up to two weeks. Once approved, the card is delivered within 7 working days, provided KYC and documents are complete.
10. What is the annual fee for the HSBC Premier Credit Card?
The card has a joining fee of ₹12,000 and an annual fee of ₹20,000. The annual fee is waived for eligible HSBC Premier customers.
11. What are the key benefits of the card?
  • Unlimited domestic and international airport lounge access
  • 0.99% forex markup fee
  • 3 reward points per ₹100 spent
  • ₹12,000 Taj Experiences gift card
  • Complimentary Taj Epicure membership
  • Dining discounts (up to 30%) via EazyDiner
  • Buy-one-get-one movie tickets via BookMyShow
12. How do reward points work, and do they expire?
You earn 3 reward points per ₹100 spent on eligible purchases. Points can be redeemed for air miles, Apple products, or e-vouchers. Points do not expire.
13. What is the forex markup fee, and why is it beneficial?
The 0.99% foreign exchange markup fee is one of the lowest among premium cards, reducing costs for international transactions.
14. What travel insurance is provided?
The card includes complimentary international travel insurance for trips booked with the card. Coverage includes delays, cancellations, lost luggage, medical emergencies, and card misuse up to ₹300,000.
15. Can I get add-on cards for family members?
Yes, up to 3 add-on cards can be issued for eligible family members. They share the credit limit and benefits such as lounge access. The primary cardholder is responsible for all transactions.