Times Black ICICI Bank Credit Card
ICICI Bank Visa
Rewards 2.0%
Net Value ₹14,304
Joining Fee ₹0
Renewal Fee ₹0
Unlimited lounge access • Forex 1.5%
HSBC Premier Credit Card (Metal)
HSBC
Premium metal credit card for HSBC Premier customers
Joining Fee
₹12,000
+ 18% GST
First Year Net
+₹1,464
Annual Fee
₹20,000
+ 18% GST
Renewal Net
-₹27,976
Base Reward Rate
1.5%
3 points per ₹100
Best Category
6.0%
Final Net Score
29
out of 100
Net Annual Value
-₹4,376
Score Breakdown
Lower ScoreMid RangeHigher Score
Key Metrics
Final Score
Comprehensive rating based on your spending profile
29/100
Effective Reward Rate
Weighted average based on your spending categories
2.2%
Annual Net Value
Expected yearly benefit after all costs
-₹4,376
Payback Period
Time to recover annual fees through rewards
Immediate
Card Information
Category
Premium metal credit card for HSBC Premier customers
Launch Date
2023
Networks
Mastercard World
Should I Consider This Card?
Using general assumptions
Likely Eligible
Needs checkAdd income range and credit score to estimate eligibility.
Value for Your Spend
ConsiderYou are close to the spend level where this card starts making sense.
Consider from
₹75,000 / mo
Sweet spot
₹2,00,000 / mo
Net value / year
-₹4,376
Fee outcome
Fee likely payable
Why this result
- Fee waiver threshold: Annual fee waiver is tied to roughly 333,333 monthly spend.
- Top earning category: international has elevated rewards, which can improve value when your spend matches it.
- Portal rewards: Extra value may depend on booking or spending through HSBC Travel with Points.
Details
Spend curve and supporting scenario values
HSBC Premier Credit Card (Metal) - Key Highlights
💰 Fees & Charges
- Annual Fee: ₹20,000
- Foreign Transaction: 1.0%
- Late Payment: Varies by outstanding amount
🏆 Rewards & Benefits
- Rewards Rate: 1.5% reward rate
- Lounge Access: Available
- Our Rating: 29/100
HSBC Premier Credit Card (Metal) - Frequently Asked Questions
What are the benefits of HSBC Premier Credit Card (Metal)?
HSBC Premier Credit Card (Metal) from HSBC offers comprehensive benefits including rewards, lounge access, and premium services. Key benefits include reward points on spending and airport lounge access.
Who is eligible for HSBC Premier Credit Card (Metal)?
HSBC Premier Credit Card (Metal) is ideal for premium card users reward-focused spending. Minimum credit score requirements apply.
How much does HSBC Premier Credit Card (Metal) cost?
The annual fee for HSBC Premier Credit Card (Metal) is ₹20,000. Additional charges may include foreign transaction fees and late payment charges.
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