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Premium Decision Grade Catalog
HSBC LTD
HSBC Premier Metal Card
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Verified Catalog
Source: HSBC LTD Official
Updated: Aug 2026
Overview
Editorial snapshot & Positioning.
Metal variant of the Premier MasterCard with premium benefits and special privileges
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
Metal variant of Premier card;
Highlight 2
Priority Pass lounge access;
Highlight 3
renewal fee waiver for Premier salary account holders.
Technical details
Fees structure and lounge network details.
Joining fee, annual fee, and lounge network coverage are shown in a minimal data grid.
Joining fee
₹12,000
The front-loaded charge when you apply.
Annual fee
₹20,000
Shown alongside the annual renewal cost.
Networks
Domestic & Int'l
Lounge network compatibility.
Rewards Calculator
Interactive Spend & Earning Estimation.
Slide to match your average monthly spending across categories and see how much value you earn back in a year.
Monthly Spending Profile
Dining & Food (1% value)
₹5,000Travel & Hotels (1.5% value)
₹5,000Groceries (1.5% value)
₹5,000Online Shopping (2% value)
₹10,000Other Spends (1% value)
₹5,000Estimated Annual Spends
₹3,60,000
Annual Value Back
₹1,350
Pulse Points value at ~₹0.25 per point.
Annual Fee: ₹20,0007% Offset
Earns back 7% of your renewal fee.
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
"2 complimentary visits per year"
Visits: 1 Domestic / 0 International per year.
Hotel Privileges
"Airport lounge access (2 times a quarter)"
Detailed Schedule & Eligibility
Technical fees & documentation requirements.
View interest rates, Forex charges, late fees, and document checkmarks needed for approval.
Minimum Income
Subject to review / check apply details
Age Requirements
18–70 Years (Standard)
Required Documents
"Income proof, address proof, identity proof for salaried individuals; ITR for self-employed"
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 10/10
"Ideal for frequent international travelers, especially those who fly Qatar Airways or British Airways regularly and value Avios points"
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- APR: 3.49% per month (41.88% per annum) as per standard HDFC rates
- Rewards Type: Pulse Points
- Welcome Offer: Undisclosed premium benefits
- Base Rate: 1 Reward Point per ₹150 spent on both Visa and Mastercard sides
Cons
- 7 RPs for every ₹100 on select categories
- Domestic Airport: 2 complimentary visits per year
- Dining: Up to ₹3,000 off on total bill amount in a year with exclusive partner restaurants
- privileges with Club ITC Culinary Program
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