PayperWIZ

HSBC Premier cashback rate, cap and annual fee

HSBC Premier pays 4.5% at Apple via HSBC Unicorn portal and 0.75% on everything else. The card costs INR 20,000 a year.

This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.

HSBC · India · catalogue v121

Read from HSBC's own published terms on 29 Oct 2026.

INR 20,000Annual fee
4.5%Best rate

What it pays, by category

SpendingRateMonthly cap
Apple via HSBC Unicorn portaleverything else4.50%—6X on Apple purchases through the HSBC Unicorn portal.
everything else0.75%—3 reward points per ₹100, except instant EMI transactions.
Fixed: this entry said Visa; HSBC sells it on "exclusive Mastercard offers". 3 points per ₹100, valued through the HSBC programme (HSBC: a point is worth INR 0.25 to INR 1.00 by redemption). "Up to 12X" through Travel with Points is a maximum and is left out. INR 12,000 to join, INR 20,000 a year, waived for qualified Premier customers. 0.99% currency conversion charge (KFS). Points never expire. Source: hsbc.bank.in Premier card and rewards pages, redemption FAQ and KFS, read 29 Oct 2026.

Questions people ask

What cashback does the HSBC Premier pay?

4.5% at Apple via HSBC Unicorn portal and 0.75% on everything else.

Is there a cap on the HSBC Premier?

No monthly cap is published on the rates shown here.

What is the annual fee on the HSBC Premier?

INR 20,000 a year.

Knowing the rate is not the same as remembering it

PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says where it came from, the way this page does: read off the issuer and dated, or marked indicative.

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