Fees
Annual feeINR 4,999 + GST (waived on annual spend ? INR 8 lakh)
Joining feeINR 4,999 + GST
Renewal feeINR 4,999 + GST (waived on annual spend ? INR 8 lakh)
Fee waiverWaived if annual spend ? INR 8,00,000
Spend waiverSpend INR 8,00,000 in 12 months
Interest rate3.49% per month (41.88% per annum (p.a.))
Late payment100% of Minimum Payment Due (MPD); min INR 250, max INR 1,200
Forex markup3.5% + GST (1.5% during Summer 2025 promo)
Cash advance2.5% of amount, min INR 500
Eligibility
Min income (salaried)INR 50,000/month (INR 6 lakh/year)
Min income (self-emp.)INR 12 lakh/year
Credit score750 - 800 (CIBIL score)
Age range18-65 (salaried); 25-65 (self-employed)
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - 4X on travel & international; 10,000 bonus RPs on annual spend > INR 12 lakh
Cashback %NA - miles/rewards card
Redemption optionsFlights & Hotels (Travel with Points); Air Miles Conversion; Bank Redemption Store
Points expiry3 Years
Travel & lounge
Domestic lounge6 domestic lounge visits/year
International lounge4 international lounge visits/year
Lounge conditionsNo
Insurance coverageYes
Hotel/flight offers15% off domestic/international holidays via Yatra, EaseMyTrip, Paytm, Cleartrip; 11% off hotels via StayVista
ConciergeNo dedicated concierge (Mastercard World Elite benefits apply)
Forex waiver3.5% (Standard Rate; 1.5% during Summer 2025 promotion)
Lifestyle
Dining discountsYes - District by Zomato (10% off events/dining; Buy One Get One (BOGO) movies twice/month)
Fuel surchargeNo
OTT subscriptionsNo
E-commerce offersNo specific e-commerce tie-up
AdditionalComplimentary chauffeur-driven airport transfers discontinued effective August 1, 2026. HSBCFX forex-markup cashback offer (3.5% on foreign-currency spends) has expired — no re-run planned for 2026. Full 3.5% + GST (~4.13%) forex markup applies on international transactions. Core features unchanged: 9+ airline/hotel transfer partners; 6 domestic + 4 international lounge visits/year; no lounge spend condition. | Accor (ALL) partnership confirmed continuing — bonus points festivals offered in 2026.
Credit limit & EMI
Default limitINR 75,000 - INR 1.5 lakh
Max limitINR 5 - INR 10 lakh
Cash withdrawal20% - 40% of credit limit
EMI conversionInstant; Post-purchase
Min EMI amountINR 2,500 - INR 3,000
Balance transferYes
BT interest rate1% per month
Insurance & protection
Purchase protectionYes - up to USD 20,000 purchase protection/year
Lost card liabilityYes - up to INR 3,00,000 from 24 hrs before reporting
Digital & security
ContactlessYes
Virtual cardYes
App featuresSpend Alerts; Card Lock/Unlock; Statements; Equated Monthly Instalment (EMI); Rewards & Miles Tracking; Instant Airmile Redemption; Autopay; Block Lost Card
Card controlsBlock/Unblock; Intl Toggle; Online Txn Toggle; Contactless Toggle; PIN Reset
Fraud protectionReal-time Alerts; Tokenization; OTP; CVV+Expiry+OTP; Instant Block; Zero Liability
Zero liabilityZero liability if reported within 3 working days
WhatsApp supportNo