HSBC Privé Credit Card

Complimentary Night, Vouchers and More

On paying the joining fee for the HSBC Prive Credit Card, cardholders become eligible for three premium welcome benefits focused on luxury stays, dining, and wellness experiences.

Complimentary Night Stay at ITC & Claridges Properties

Cardholders can enjoy one complimentary night stay at participating ITC and Claridges hotels across India. The benefit is exclusively available to HSBC members enrolled under the RedBeryl luxury membership service.

Some participating properties include:

• ITC Grand Chola, Chennai
• ITC Royal Bengal, Kolkata
• ITC Grand Central, Mumbai
• ITC Windsor, Bengaluru
• ITC Rajputana, Jaipur
• Sheraton New Delhi
• The Claridges, New Delhi
• And several other participating ITC Welcomhotel properties

The complimentary stay benefit is non-transferable and valid only for the primary cardholder.

₹10,000 Wellness Voucher from The Wellness Co.

Cardholders also receive a wellness voucher worth ₹10,000, which can be redeemed at select The Wellness Co. centers and spas. The voucher is valid for a single redemption and cannot be split across multiple transactions.

Complimentary Meal for 4 at Select Restaurants

Another attractive welcome benefit is a complimentary dining experience for up to 4 guests at participating premium restaurants across India.

Participating restaurants include:

• Farzi Café – Gurugram, New Delhi, Mumbai & Bengaluru
• Pa Pa Ya – Mumbai & New Delhi
• Masala Library, Mumbai
• Made in Punjab – Noida & Gurugram
• Bo Tai, New Delhi

The dining benefit covers food and soft beverages up to a value of ₹15,000. Alcoholic beverages, taxes, gratuities, and additional charges need to be paid separately by the cardholder.

Earn 3.33% Rewards With Privé

Cardholders earn 5 Reward Points for every ₹150 spent on the HSBC Privé Credit Card. A minimum spend of ₹30 earns 1 Point. If the transaction amount is not a multiple of ₹30, the remaining amount will be carried forward and added to the next transaction when calculating points.

There is no expiry of Reward Points.

Merchant Categories Excluded from Rewards

Reward points will not be applicable on spends made under these categories:

• Utilities (MCC 4900)
• Tax Payments (MCC 9311)
• Real Estate Transactions (MCC 6513)
• Non-Financial Institutions (MCC 6051)
• Money Transfers (MCC 4829)
• Jewelry Purchases (MCC 5944, 5094)
• Insurance Payments (MCC 6300, 5960)
• Fuel Transactions (MCC 5541, 5983, 5172, 5542, 5552)
• Financial Institutions (MCC 6011, 6012, 6010)
• E-Wallet Loads (MCC 6540)
• Bail & Bond Payments (MCC 9223)
• Education & Government Payments

Complimentary Companion Air Ticket

One of the most premium travel benefits offered by the HSBC Prive Credit Card is the complimentary companion flight ticket benefit. Cardholders can avail one complimentary Business Class or First Class ticket every anniversary year on booking an eligible paid ticket.

How the Benefit Works

• Cardholders receive a unique coupon code at the beginning of their card anniversary year.
• The booking must be made through the MakeMyTrip website or app.
• Select eligible Business Class or First Class flight tickets.
• Apply the unique coupon code during checkout on the flight review page.
• The discount for the companion ticket gets applied automatically.
• The remaining booking amount must be paid using the eligible HSBC Prive Credit Card.

Key Highlights

• One complimentary companion ticket every anniversary year
• Valid on Business Class and First Class flight bookings
• Maximum value of the complimentary ticket capped at ₹2 lakh on base fare
• Taxes, surcharges, and additional fees need to be paid by the cardholder
• Both tickets must be booked together under the same itinerary

Important Things to Know

• The benefit is applicable per card account and not separately for primary and add-on cardholders.
• An anniversary year refers to the 12-month period starting from the card issuance date.
• The complimentary ticket is applicable only when purchasing an eligible paid ticket using the HSBC Prive Credit Card.

Privileged Access to Luxury Private Spaces Worldwide

The HSBC Privé Credit Card also offers access to an exclusive collection of premium private clubs and members-only lounges through Club Social and RedBeryl. Cardholders can enjoy access to more than 3,000 private clubs across 150 destinations worldwide, making it a valuable lifestyle benefit for those who frequently travel or network through luxury social spaces.

In India, cardholders can access renowned clubs such as Jolies, Willingdon Club, and select Gymkhana clubs. Internationally, the benefit extends to a large network of prestigious private clubs across major global cities.

The benefit allows up to 2 visits per month per individual club. Access is available for the RedBeryl member along with up to 3 guests, although guest policies may vary depending on the club’s own terms and conditions. Certain golf clubs may also require members to pay for or play a round of golf before accessing additional club facilities.

Priority Access to Michelin-Starred & Luxury Restaurants

The HSBC Privé Credit Card offers exclusive dining privileges for cardholders who enjoy luxury culinary experiences across the globe. Through this benefit, cardholders can receive priority access and reservations at more than 10,000 premium and Michelin-starred restaurants worldwide.

Whether it is securing a table at a renowned fine-dining restaurant in New York, London, Dubai, Singapore, or Paris, the card is designed to help high-net-worth individuals access sought-after dining experiences that are often difficult to book during peak hours.

This benefit can be especially valuable for travelers and food enthusiasts who appreciate exclusive gastronomical experiences and personalized luxury dining access.

• Priority access to over 10,000 premium restaurants globally
• Access to Michelin-starred and luxury dining venues
• Assistance with difficult-to-get reservations
• Curated fine-dining experiences across major global cities
• Ideal for luxury travelers and culinary enthusiasts

Complimentary Golf Privileges Across India & Asia Pacific

The HSBC Privé Credit Card offers premium golf benefits for cardholders who enjoy luxury golfing experiences across India and international destinations.

Golf Benefits in India

Primary cardholders can enjoy:

• Unlimited complimentary golf rounds at selected golf courses in India
• Unlimited complimentary golf lessons
• Up to 12 complimentary guest rounds annually

These benefits make the card especially valuable for regular golfers who frequently visit premium golf clubs and courses.

Asia Pacific Golf Benefits

Apart from domestic golf access, the card also offers international golf privileges across the Asia Pacific.

Cardholders can avail:

• Up to 4 complimentary golf rounds annually across select golf courses in Asia, Australia, and New Zealand
• Complimentary green fee access at participating courses
• One complimentary golf lesson in Singapore

The benefit is valid across a network of 46 participating golf courses in the Asia Pacific region.

How to Avail the Benefit?

Cardholders can access and book golf privileges by contacting the dedicated HSBC hotline provided with the card.

Visa at Home Services

The HSBC Prive Credit Card offers an exclusive Visa at Home service that allows cardholders to complete their visa biometrics process from the comfort of their home or office, eliminating the need to visit a VFS center physically.

Countries Covered

This service is available for visa applications to:

• UK
• France
• Switzerland
• Germany
• Italy
• Iceland
• Estonia
• Lithuania
• Czech Republic
• Hungary
• Latvia
• Denmark
• Luxembourg
• Austria

Important Terms & Conditions

• The service only replaces the need to visit a VFS center for biometrics.
• Cardholders must first complete and submit the online visa application form.
• All bookings need to be made through RedBeryl Concierge.
• Appointment requests should ideally be shared at least 14 calendar days before the visa appointment date.
• Standard RedBeryl terms and conditions will apply.

This benefit can be extremely useful for premium travelers looking for a more convenient and hassle-free visa application experience.

Hotel Benefits

Complimentary Shangri-La Diamond Membership

Cardholders can enjoy a complimentary upgrade to Shangri-La Diamond membership for a period of 1 year. This benefit is available on booking a minimum one-night stay at any Shangri-La hotel using the HSBC Privé Credit Card. The offer is valid till 31 December 2027.

This benefit is available only for the primary cardholder.

To avail the membership:

• Book at least a one-night stay at a Shangri-La hotel using your card
• Contact the HSBC dedicated support team during the promotional period
• Request an upgrade to Shangri-La Circle Diamond membership

Privileges Across Mandarin Oriental

Cardholders can enjoy exclusive benefits at select Mandarin Oriental properties worldwide, including:

• Mandarin Oriental, Hong Kong
• Mandarin Oriental, Singapore
• Mandarin Oriental, Tokyo
• Mandarin Oriental, Wangfujing
• Mandarin Oriental Hyde Park, London
• Emirates Palace Mandarin Oriental, Abu Dhabi

Benefits include:

• Room upgrade on arrival (subject to availability)
• Complimentary daily breakfast for two
• Complimentary internet access
• USD 100 dining or spa credit
• Additional USD 50 dining or spa credit on suite bookings
• In-room welcome amenity

No Charges for Add-On Cards

With the HSBC Privé Credit Card, cardholders can get up to three add-on cards for their spouse, parents, siblings, or children above 18 years at no extra cost. The add-on cards will share the primary cardholder’s credit limit, and all cards will be delivered to the primary cardholder’s registered address.

Bottom Line

The HSBC Privé Credit Card has now joined the list of ultra-premium credit cards in India alongside offerings like the Axis Primus Credit Card and the American Express Centurion Card. This is clearly not a card meant for the masses. With very strict private banking eligibility requirements along with an exceptionally high joining and annual fee, the HSBC Privé is designed only for a select group of ultra-high-net-worth individuals.

The card offers several premium benefits, including golf privileges, unlimited airport lounge access, complimentary Business/First Class companion tickets, access to luxury dining experiences, hotel privileges, concierge services, and much more. However, beyond the benefits themselves, the card focuses heavily on exclusivity, convenience, and personalized luxury experiences.

From access to Michelin-starred restaurants and premium lifestyle experiences to exclusive travel and hospitality privileges, the HSBC Privé Credit Card positions itself as a complete luxury lifestyle product for those who value premium experiences and exclusivity above everything else.