HSBC Premier

Your Total Relationship Balance (TRB) refers to the total balance you have with HSBC India on the last day of every calendar quarter, and includes:

• The average balance held in your HSBC savings or current accounts
• The average balance held in your HSBC fixed deposits
• The market value or net purchase value of your investments[@nri-trb-investments] with us (whichever is higher)
• Your life-to-date (total) paid-up life insurance[@nri-insurance-caveat] premium for policies in force 
• The market value of your demat holdings in the depository account held with HSBC India
• The average quarterly available balance[@trb-smart-lap] held in your Smart Home Drop-line Overdraft (Smart Home DLOD) or Smart LAP Drop-line Overdraft (Smart LAP DLOD) account

Your TRB will also include balances maintained by family members (spouse, partner, children up to the age of 30 years) in their HSBC Premier Accounts, if they’re defined as part of a single relationship.

To meet the salary criteria for HSBC Premier, you'll need a salary account with a net monthly salary credit of INR3,00,000 or more. This includes customers holding a salary account under HSBC Employee Banking Solutions (EBS)[@premier-ebs-eligibility] with a net monthly salary credit of INR3,00,000 or more.

If you don't meet the Premier salary criteria, you'll need to maintain the applicable Premier TRB eligibility criteria.

Already a qualfied HSBC Premier customer in another country or region. 

If you don't continue to meet the salary criteria, you'll need to meet the TRB criteria instead.

If you don’t meet the TRB criteria for a particular quarter, we’ll charge you 0.20% of the shortfall for that quarter, up to a maximum of INR2,000 (plus applicable taxes[@nri-trb-gst]).

If you build the requisite TRB in the next quarter, we won't charge you the below-balance fee. If you don't, we'll charge you the below-balance fee on the lower of the TRB shortfall between the last 2 quarters.

We’ll notify you if you haven’t met the TRB requirements.

If you don't meet the TRB criteria, don't receive a salary credit or receive a salary credit lower than INR3,00,000 for 2 quarters or more, your Premier account will be changed to an alternative account. We'll give you 30 days' notice if we need to make this change.

If your mortgage is disbursed and you don't meet the TRB criterion within 12 months of the first disbursement of the mortgage loan, your Premier account will changed to an alternative account. We'll give your 30 days' notice if we need to make this change.

If you're a Premier customer, you may be able to add family members (your spouse, partner and children up to the age of 30) to your Premier family group. They will then be able to access Premier benefits, including an account and everything that comes with it.

You can add family members to your Premier family group if you:

• Became a Premier customer on or after 1 January 2026 and maintain a quarterly relationship balance (TRB) of at least INR50,00,000
• Became a Premier customer before 1 January 2026 and meet the Premier eligibility criteria of at least INR40,00,000. If you qualified for Premier on the basis of having an HSBC Home Loan, you’ll also need to maintain a quarterly TRB of at least INR40,00,000

Beyond the age of 30, any children will need to meet the Premier eligibility criteria on their own to be able to keep their Premier benefits.

If an individual account is 'delinked' from your HSBC Premier family group, the delinked account will be classified as an individual account, and the account holder will need to meet the TRB eligibility criterion.