Card Benefits
Key benefits available with this card.
1:1 Instant Air Miles Transfer
Convert your reward points instantly into air miles or hotel loyalty points at up to a 1:1 ratio with Singapore Airlines, Qatar Airways, British Airways, Air India, Etihad, Accor, and Marriott.
Up to 12% on HSBC Marketplace
Earn up to 12 points per ₹100 on hotels, 8 points per ₹100 on flights, and 4 points per ₹100 on car rentals booked via HSBC Rewards Marketplace.
2X Points on Travel & Forex
Earn 4 reward points for every ₹100 spent on flights, travel aggregators (EaseMyTrip, Yatra, Cleartrip), and all foreign currency transactions.
Unconditional Lounge Access
Enjoy 6 domestic and 4 international airport lounge visits annually with zero minimum spend requirements.
Complimentary Airport Chauffeur Transfers
Get 4 complimentary chauffeur-driven airport transfers per year, limited to 1 transfer per calendar quarter.
Golf Privileges
Enjoy 4 complimentary rounds of golf and 12 complimentary golf lessons per calendar year (max 1 lesson/month), plus 50% off on additional green fees.
Welcome Package Worth ₹4,000+
Get ₹1,000 cashback, a ₹3,000 Postcard Hotels voucher, and a 3-month EazyDiner Prime membership on spending ₹10,000 in your first 30 days.
10,000 Points Milestone Bonus
Earn 10,000 bonus Reward Points upon reaching annual spends exceeding ₹12,00,000 in a year.
Travel Portal & Duty-Free Discounts
Enjoy up to 15% off on partner travel portals, 11% off on StayVista (up to ₹3,000/booking), and up to 20% off at select duty-free stores via AdaniOne.
District App Entertainment Offers
Get up to 10% off on events and dining, plus Buy 1 Get 1 free movie tickets twice a month (up to ₹200 per ticket) via the District app.
Annual Fee Waiver
The ₹4,999 annual renewal fee is waived on achieving annual eligible spends of ₹8,00,000 or more in the preceding year.
Welcome / Free Offer
₹1,000 cashback, ₹3,000 Postcard Hotels voucher, and 3-month EazyDiner Prime on spending ₹10,000 within 30 days. Plus 3,000 bonus points on spending ₹1 Lakh in first 90 days.
Value up to ₹4,000
Eligibility: Download HSBC India Mobile Banking app and spend ₹10,000 within the first 30 days of card issuance.
Rewards & Points
How rewards are earned on this card.
| Category | Reward | Details |
|---|---|---|
| Hotels via HSBC Marketplace | 12.0000 points / ₹100 | Earn 12 reward points per ₹100 spent on hotel bookings via HSBC Rewards Marketplace (Up to 12% value back). |
| Flights via HSBC Marketplace | 8.0000 points / ₹100 | Earn 8 reward points per ₹100 spent on flight bookings via HSBC Rewards Marketplace (Up to 8% value back). |
| Flights, Travel Portals & Forex Spends | 4.0000 points / ₹100 | Earn 4 reward points per ₹100 spent on airline bookings, travel aggregators (Yatra, EaseMyTrip, Cleartrip), and all foreign currency transactions. |
| All Other Eligible Retail Spends | 2.0000 points / ₹100 | Earn 2 reward points per ₹100 spent on all other regular retail purchases. |
| Annual Milestone (₹12 Lakhs) | 0.0000 points / ₹100 | Earn 10,000 bonus Reward Points upon reaching annual spends exceeding ₹12,00,000. |
| Excluded Categories | 0.0000 points / ₹100 | Fuel, rent, wallet loads, cash advances, utilities, insurance, and government transactions do not earn reward points. |
Airport Lounge Access
Domestic Airport Lounge
6 visits per year · Domestic
6 complimentary visits per year to domestic airport lounges with no minimum spend requirements.
International Airport Lounge
4 visits per year · International
4 complimentary visits per year to international airport lounges with no minimum spend requirements.
Fuel Surcharge Waiver
Current Offers & Promotions
Welcome Travel Package
Active₹4,000+ Value
Maximum benefit: 4000.00
Get ₹1,000 cashback, ₹3,000 Postcard Hotels voucher, and 3-month EazyDiner Prime on spending ₹10,000 within 30 days.
Early Spend Points Bonus
Active3,000 Bonus Points
Maximum benefit: 3000.00
Earn 3,000 bonus reward points on reaching spends of ₹1,00,000 within the first 90 days of card issuance.
Annual Spend Milestone
Active10,000 Bonus Points
Maximum benefit: 10000.00
Earn 10,000 bonus reward points upon reaching annual spends of ₹12,00,000 in a year.
Airport Chauffeur Transfers
Active4 Transfers/Year
Enjoy 4 complimentary chauffeur-driven airport transfers per calendar year (max 1 per calendar quarter).
Annual Fee Spend Waiver
Active₹4,999 Waived
Maximum benefit: 4999.00
Annual renewal fee of ₹4,999 is waived on reaching annual spends of ₹8,00,000 or more in the previous year.
District App Entertainment Offer
ActiveBOGO Free
Maximum benefit: 400.00
Buy 1 Get 1 free movie tickets twice a month (up to ₹200 per ticket) plus up to 10% off on dining and events via District app.
Eligibility Criteria
21 to 65 yrs
Salaried and Self-employed
₹50,000 / month
₹1,200,000 / year ITR
750+
No
Additional Eligibility Details
Important Eligibility Information
Age: 21 to 65 years. Employment: Salaried or Self-employed. Income: ₹50,000/month (₹6 LPA) for Salaried; ITR > ₹12,00,000/annum for Self-employed. Credit Score: 750+.
Income: Salaried: ₹50,000 per month (₹6,00,000 per annum). Self-employed: Annual ITR > ₹12,00,000.
Employment: Salaried and Self-employed Indian residents.
Credit Score: Minimum credit score of 750+ required.
Documents Needed
Fees & Charges
₹4,999
₹4,999 + GST
Pros
• Instant 1:1 point conversion to leading international airlines and hotels
• 6 domestic and 4 international airport lounge visits per year with NO spend condition
• Up to 12% rewards on hotel bookings and up to 8% on flights via HSBC Rewards Marketplace
• 4 reward points per ₹100 on direct flight bookings, travel aggregators, and forex spends
• 4 complimentary airport chauffeur transfers per year (1 per quarter)
• 4 complimentary golf rounds and 12 golf lessons annually
• Attractive welcome package worth ₹4,000+
• Buy 1 Get 1 free movie tickets twice a month via District app
Cons
• High joining and annual fee of ₹4,999 + GST
• High annual spend threshold of ₹8 Lakhs for annual fee waiver
• Standard forex markup is 3.5%
• High income requirement for self-employed applicants (ITR > ₹12 LPA)