{
  "id": "hsbc-premier-credit-card",
  "locale": "hinglish",
  "name": "HSBC Premier Credit Card",
  "bank": "HSBC",
  "cardType": "travel",
  "cardTier": "ultra-premium",
  "annualFee": "₹20,000 + GST",
  "loungeAccess": "Primary aur add-on cardholders ke liye Unlimited Domestic & International Lounges + 8 International Guest Visits/year",
  "rewardsRate": "Travel with Points par travel bookings par up to 12X Points · All retail par 3 Points / ₹100 · 1:1 Air Miles Transfer · 0.99% Forex",
  "bestFor": "Ultra-high-net-worth individuals, global travelers, frequent international flyer families aur Premier wealth clients",
  "officialLink": "https://www.hsbc.bank.in/credit-cards/products/premier/",
  "aiVerdict": {
    "score": 4.2,
    "summary": "Its modest reward rate plus solid lounge access make it a well-rounded pick.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "High annual fee (₹20000) erodes net rewards"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 3,
  "affiliateId": "hsbc-premier-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "HSBC India — HSBC Premier Credit Card official schedule of charges and MITC",
    "HSBC Premier World Elite Mastercard — 0.99% forex markup, unlimited global lounges & 1:1 air miles terms"
  ],
  "feeWaiver": "India mein HSBC qualified Premier banking relationship walo ke liye 100% annual fee waived",
  "networks": [
    "Mastercard"
  ],
  "quickFacts": [
    {
      "key": "Annual Fee",
      "value": "₹20,000 + GST (Waived for Premier clients)"
    },
    {
      "key": "Forex Markup Fee",
      "value": "0.99% + GST (Ultra-low global rate)"
    },
    {
      "key": "Airport Lounges",
      "value": "Unlimited Domestic & International + 8 Guest Visits"
    },
    {
      "key": "Air Miles Transfer",
      "value": "1:1 ratio across 15+ global airline partners"
    },
    {
      "key": "Accelerated Rewards",
      "value": "Up to 12X Points on Travel with Points"
    },
    {
      "key": "Golf Privileges",
      "value": "Unlimited complimentary golf games / year"
    }
  ],
  "earnRates": [
    {
      "category": "Travel Bookings via Travel with Points (12X)",
      "rate": "Up to 12X Points (12 to 36 Points / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "Up to 36,000 Points (~₹36,000 value)"
    },
    {
      "category": "General Domestic & International Spends (3%)",
      "rate": "3.0% (3 Points / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "3,000 Points (3,000 Air Miles)"
    },
    {
      "category": "Utility Bills & Government Payments",
      "rate": "3.0% (3 Points / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "3,000 Points (3,000 Air Miles)"
    },
    {
      "category": "Fuel Purchases",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 Points"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Travel with Points Portal",
      "multiplier": "Up to 12×",
      "rate": "Up to 36 Points / ₹100",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "HSBC Travel with Points portal par flight, hotel aur car rental bookings."
    },
    {
      "channel": "All Global Spends",
      "multiplier": "1×",
      "rate": "3 Points / ₹100",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "0.99% forex markup ke sath sabhi domestic aur foreign spends par 3 points per ₹100."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Global Frequent Flyer Miles (1:1 Transfer)",
      "value": "₹1.00 to ₹2.00 / Reward Point",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Apple Products on HSBC Portal",
      "value": "₹1.00 / Reward Point",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Luxury Hotel Loyalty Points",
      "value": "₹0.80 to ₹1.20 / Reward Point",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": false
    }
  ],
  "exclusions": [
    "Fuel transactions (sirf 1% surcharge waiver milega).",
    "ATM cash withdrawals aur digital wallet loads."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹12,000 + GST (Waived for HSBC Premier clients)",
      "warn": false
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹20,000 + GST (Waived for HSBC Premier clients)",
      "warn": false
    },
    {
      "item": "Finance Charges (Interest Rate)",
      "value": "3.30% per month (39.6% per annum)",
      "warn": false
    },
    {
      "item": "Foreign Currency Markup",
      "value": "0.99% + GST (Ultra-low premium markup)",
      "warn": false
    },
    {
      "item": "Fuel Surcharge Waiver",
      "value": "₹400 se ₹4,000 ke transactions par 1% waiver (Max ₹250/month)",
      "warn": false
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Banking Relationship",
      "requirement": "Qualified HSBC Premier customer in India (TRV ₹40L+ ya Monthly Salary ₹3L+)"
    },
    {
      "criteria": "Age Requirement",
      "requirement": "21 se 65 saal"
    },
    {
      "criteria": "Credit Score (CIBIL)",
      "requirement": "780+ recommended for World Elite tier"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}