HSBC's Premier Credit Card is built around travel rewards. You earn 3 points per ₹100 on everyday spending, and those points never expire. The real value shows up in transfers: 1:1 conversion to frequent flyer miles at 15 airlines including Singapore Airlines, British Airways, Japan Airlines, Qatar Airways, and Air India. Five hotel loyalty programs also accept 1:1 transfers, covering Marriott, IHG, Accor, and Wyndham. You can also redeem 1 point for ₹1 at the Apple online store.Lounge access is the card's standout travel perk. Primary cardholders get unlimited visits to both domestic and international airport lounges through LoungeKey, with no quarterly caps. You also receive 8 complimentary international guest visits per year. The 0.99% forex markup is the lowest available on any Indian credit card, making this a strong pick for international spending. International travel insurance covers lost luggage, flight delays, and travel documents.Beyond travel, the card delivers solid lifestyle perks. BookMyShow buy one get one tickets work any day of the week. EazyDiner dining gives 30% off your bill, up to ₹1,500. Bicester Collection Villages in Europe provide VIP guest experiences, private sale events, and reserved parking. Mastercard's luxury hotel program cove₹3,800+ destinations with complimentary room upgrades, early check-in, and late checkout.This card is exclusively for HSBC Premier banking customers. To qualify for Premier, you need a Total Relationship Balance of ₹50 lakh, or a net monthly salary of ₹3 lakh credited to your HSBC account, or a mortgage of ₹1.15 crore with ₹50 lakh TRB within 12 months. The joining fee is ₹12,000 and the annual renewal costs ₹20,000, but the annual fee gets waived as long as you maintain Premier status.