Earn 4 reward points for every ₹100 spent on flights, travel aggregators and foreign currency transactions
6 complimentary domestic and 4 complimentary international airport lounge visits per year
Get 10,000 bonus reward points when you spend ₹12 lakh or more in a year
15% off on travel bookings with Yatra, EaseMyTrip, Paytm and Cleartrip
Up to 20% off on duty-free purchases at Adani Airports via AdaniOne
Fees
Joining Fee₹1,000 cashback, PostCard Hotels voucher worth ₹3,000, and 3 months EazyDiner Prime membership on spending ₹10000 within 30 days of card issuance
₹5,899
₹4,999 + GST
Annual FeeThe annual fee is waived if you spend ₹8 lakh or more in a year on your card, as per bank policy.
₹5,899
₹4,999 + GST
Eligibility
Age
25-65 years
Salary
₹50K / Month
Credit Score
750+
Bank Fee Structure
Forex Markup3.50% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. Examples (3.5%): ₹100 → ₹3.5 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.50%
Finance Charges (APR)3.75% monthly interest rate applies on the outstanding balance if the full amount due is not paid by the statement due date. The interest-free period is 20 to 55 days for new purchases
3.75%
ATM Withdrawal2.50% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).
2.50%
Reward RedemptionNo fee is charged when redeeming reward points on this card
Not Applicable
Railway SurchargeA surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent Payment1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges
1%
Cheque PaymentA fee of ₹100 is charged for payments made through cheque
₹100
Cash PaymentA cash payment fee of ₹100 is charged when payments are made at HSBC branches or drop boxes
₹100
Late Payment Charges
Amount due
Fee
₹0 - ₹500
₹0
₹501 - ₹5000
₹500
₹5001 - ₹10000
₹750
₹10001 and above
₹1200
Late payment charges apply if the Minimum Amount Due (MAD) is not paid by the due date. Charges are based on the total outstanding amount as per the slab structure above
The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards
