HSBC India · Premium
HSBC Premier
Earns HSBC points (TravelOne / Premier)
Where it ranks across all 187 cards
#2 Wallet load
3.0%
direct
#3 Rent
0.8%
direct
#3 Government / tax
2.1%
direct
#4 Education
3.0%
direct
#7 Insurance
3.0%
direct
#8 Gaming
3.0%
direct
#9 Utility bills
3.0%
direct
#10 Mobile / broadband
3.0%
direct
#10 Jewellery & watches
3.0%
direct
#13 Train tickets
3.0%
direct
#13 Other
3.0%
direct
#14 Health & pharmacy
3.0%
direct
#17 Dining out
3.0%
direct
#18 Cabs & transit
3.0%
direct
#19 Electronics
3.0%
direct
#21 Groceries
3.0%
direct
#21 Flights
3.0%
direct
portal reaches 18.0%
#21 Hotels
3.0%
direct
portal reaches 36.0%
#26 Online shopping
3.0%
direct
#26 Movies & events
3.0%
direct
#27 Fashion
3.0%
direct
#28 Food delivery
3.0%
direct
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Points valued at ₹1/pt - conservative, what rankings use · transfers reach up to ₹2.30/pt via Accor ALL (Live Limitless) at 1:1
Reward rules1 direct
Base rate - everything not covered below
3.00%base rate
3 pts / ₹100
source
Source: HSBC Premier MITC - hsbc.co.in - read 20 Aug 2026
Base rate, but capped1
Utilities/rent/wallet/govt/education/insurance/jewellery: points capped
base rate
source
Source: HSBC Premier CC Service Guide 3/2025 (bank PDF) - hsbc.co.in - read 22 Aug 2026
Via portals & vouchersdisplay, never ranks
Travel with Points (Hopper) 6X flights
via hopper
source & note
HSBC Rewards Marketplace 'Travel with Points' (travel.hsbc.co.in, in partnership with Hopper): Privé/Premier tier gets 6X points on flight bookings (other eligible cards get 4X - see TravelOne). Offer runs to 31 Dec 2026; no cap stated on the offer page - check T&C before large bookings.
Source: HSBC Travel with Points offer page (hsbc.co.in) - hsbc.co.in - read 26 Aug 2026
18.0%
Travel with Points (Hopper) 12X hotels
via hopper
source & note
HSBC Rewards Marketplace 'Travel with Points' (travel.hsbc.co.in, in partnership with Hopper): Privé/Premier tier gets 12X points on hotel stays (other eligible cards get 6X - see TravelOne); car rentals 2X (no CategoryId in the engine for car rentals, so not modeled as a rule). Offer runs to 31 Dec 2026; no cap stated on the offer page - check T&C before large bookings.
Source: HSBC Travel with Points offer page (hsbc.co.in) - hsbc.co.in - read 26 Aug 2026
36.0%
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
What 10,000 points become. The low end of each range ranks; the high end is display only.
Accor ALL (Live Limitless)
1:1 ratio
10,000 ptsworth ₹21,000-₹23,000
Singapore Airlines KrisFlyer
1:1 ratio
10,000 ptsworth ₹8,000-₹25,000
airasia rewards
1:3 ratio
30,000 ptsworth ₹7,500-₹12,000
Air France-KLM Flying Blue
1:1 ratio
10,000 ptsworth ₹7,000-₹20,000
British Airways Executive Club (Avios)
1:1 ratio
10,000 ptsworth ₹7,000-₹18,000
Japan Airlines Mileage Bank
1:1 ratio
10,000 ptsworth ₹7,000-₹20,000
Qatar Airways Privilege Club (Avios)
1:1 ratio
10,000 ptsworth ₹7,000-₹18,000
Air India Maharaja Club
1:1 ratio
10,000 ptsworth ₹6,000-₹18,000
Transfers in-app, most process within 1 business day. No published annual caps. HSBC Premier card page confirms the same 1:1 in-app conversion; menu shared with TravelOne.
Earns nothing on2 exclusions
Fuel
earns nothing
Fuel: no reward points (Premier earns on almost everything else).
→ use Kotak Cashback+ Credit Card here (3.0%)
detail & source
categories: Fuel · MCCs: 5172, 5541, 5542, 5552, 5983
Source: HSBC Premier CC Service Guide 3/2025 (bank PDF) - hsbc.co.in - read 22 Aug 2026
EMI
earns nothing
EMI transactions earn no points (transaction-type based).
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
categories: EMI
Source: HSBC Premier CC Service Guide 3/2025 (bank PDF) - hsbc.co.in - read 22 Aug 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.