Notes:

• A senior citizen is defined as a person above the age of 60 years.
• Charges applicable per request, per account and per instrument.
• Service tax and any other cess will be applicable as per the prevailing rates and will be charged on fees and charges as applicable.
• Tariff structure is subject to change from time to time at the sole discretion of HSBC India. HSBC India shall provide one month's notice prior to the revised charges being levied/becoming effective.
• Out-of-pocket expenses for various services will be recovered as applicable for all charges unless specified.
• "Collect At Branch" Deliverables include following items which can be collected from HSBC India branches: Account Statements, Debit Card, Welcome Kit, Demand Draft, Debit Card PIN, Credit Card PIN, Internet Banking Password, Phone Banking PIN, Cheque Book.
• The Bank will charge a cross currency conversion markup of 3.5% (Service tax extra) on all international transactions (ATM & Point of Sale) using the HSBC Premier Debit Card & HSBC Premier Platinum Debit Card.
• Use of Debit Card at petrol pumps would invite a surcharge of 2.5% of the purchase value or Rs. 10 (whichever is higher) as per industry standards.
• In order to avail Home Banking facility kindly contact your nearest branch for details.
• HSBC NRO Premier Debit Cards cannot be used overseas and hence its usage is restricted only to India.
• Service Charges will be recovered from the linked Premier Savings account in the subsequent calendar month.
• Service tax and any other cess applicable as per the prevailing rates.
• The rates, commissions and charges in this tariff are not exhaustive. The Bank reserves the right to amend the current tariff after providing a 30 day notice to the customers. This is an abridged version. If you require a service for which a charge/fee is not outlined here, please contact your branch or call us. Please note that, fees and charges are subject to service tax at the rates as specified under the Finance Act 1994 as amended from time to time.
• Please be advised that vide Notification No. 8/2009 - ST dated February 24, 2009, a service tax of 10% + 2% education cess + 1% secondary and higher secondary education cess thereon will be applicable on our fees and charges.

The information provided is intended as a general guide for reference. Benefits and features may be subject to local country regulatory restrictions and applicable terms and conditions. Please refer to the Premier Services Guide for detailed information.

Issuance of credit card is at the sole discretion of The Hongkong and Shanghai Banking Corporation Limited, India. All features and benefits are subject to terms and conditions.