Verified — 16/16 categories
HSBC
HSBC Premier Credit Card
Best forRent & Education
Earns3 RP/₹100 on rent
1st Year / Joining Fee
₹20,000 + taxes
Renewal Fee
Not recorded
Fee waiver
Not recorded
Network
Not recorded
HSBC
HSBC Premier Credit Card
Why this card may suit you
Based on the card's verified terms.
- Best suited to spending on rent and education, where it earns 3 RP/₹100
How you earn
Reward rates at a glance — exactly as recorded for this card.
Rent3 RP/₹100
Education3 RP/₹100
Insurance3 RP/₹100
Utilities3 RP/₹100
Groceries3 RP/₹100
All 16 reward categories · 16 of 16 categories verified
| Category | Rate | Cap | Condition |
|---|---|---|---|
| Rent | 3 RP/₹100 | — | 3 RP / ₹100 on RentDetails
|
| Education | 3 RP/₹100 | — | 3 RP / ₹100 on EducationDetails
|
| Insurance | 3 RP/₹100 | — | 3 RP / ₹100 on InsuranceDetails
|
| Utilities | 3 RP/₹100 | — | 3 RP / ₹100 on UtilitiesDetails
|
| Fuel | No reward | — | —Details
|
| Groceries | 3 RP/₹100 | — | 3 RP / ₹100 on GroceriesDetails
|
| Dining | 3 RP/₹100 | — | 3 RP / ₹100 on DiningDetails
|
| Food Delivery | 3 RP/₹100 | — | 3 RP / ₹100 on Food DeliveryDetails
|
| Shopping | 3 RP/₹100 | — | 3 RP / ₹100 on ShoppingDetails
|
| Travel | 3 RP/₹100 | — | 3 RP / ₹100 on TravelDetails
|
| Government | 3 RP/₹100 | — | 3 RP / ₹100 on GovernmentDetails
|
| Wallet | 3 RP/₹100 | — | 3 RP / ₹100 on WalletDetails
|
| Railways | 3 RP/₹100 | — | 3 RP / ₹100 on RailwaysDetails
|
| FASTag | 3 RP/₹100 | — | 3 RP / ₹100 on FASTagDetails
|
| Jewellery | 3 RP/₹100 | — | 3 RP / ₹100 on JewelleryDetails
|
| Telecom | 3 RP/₹100 | — | 3 RP / ₹100 on TelecomDetails
|
“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.
Cost & caps
What it costs to hold, and where rewards stop.
1st Year / Joining Fee
₹20,000 + taxes
Renewal Fee
Not recorded
Fee waiver
Not recorded
Reward caps
No reward cap is recorded in DhanChakshu's verified data. Check the issuer terms for any additional limits.
Key benefits
Rewards
3 RP/₹100 on rent
Fuel surcharge waiver
1% fuel surcharge waiver for transactions between ₹400 and ₹4,000 up to monthly cap
Foreign-currency markup
0.99% foreign-currency markup — 0.99% card-specific foreign currency markup for HSBC Premier
Important to know
Limits and exclusions that change what you earn.
- No reward on: Fuel
Who should consider this card
✓ Good fit if
- Your spending is concentrated in rent, education, insurance
△ Less useful if
- Much of your spending is in fuel, which earn nothing
- You do not want to pay an annual fee
Full details
Everything else, expanded on demand.
Caps & exclusions · 0 caps · 1 no-reward categories
Caps
No cap recorded.
Categories with no reward or not eligible
- Fuel — No reward.
Milestones · none recorded
No milestone benefit is recorded for this card.
Eligibility
Subject to HSBC's underwriting and eligibility criteria. See the issuer's terms for current requirements.
Specifications
- Payment network: Not recorded
- Airport lounge: Not recorded by DhanChakshu — check the issuer terms
- Fuel surcharge waiver: 1% fuel surcharge waiver for transactions between ₹400 and ₹4,000 up to monthly cap. GST is not waived.
- Foreign-currency markup: 0.99% foreign-currency markup — 0.99% card-specific foreign currency markup for HSBC Premier.
What DhanChakshu couldn't fully verify · 2 areas
2 areas need further verification. None of these are counted as zero.
- • Lounge benefit — not recorded; check the issuer terms
- • Payment network — not recorded
Sources & verification
Verification & sources · last checked 2026-09-23
Verification coverage: All 16 categories verified
Card record last checked: 2026-09-23
Documents used
HSBC Premier rewards page; 3 RP/₹100 base, relationship gate, IEMI excluded · SRC-HSBC-PREMIER-REWARDS
HSBC tariff schedules and international transaction fee schedules · SRC-HSBC-FEE-SCHEDULE
HSBC Premier fees and charges; ₹20,000 annual fee, 0.99% FX markup · SRC-HSBC-PREMIER-FEES