HSBC Premier Credit Card
Card Summary
Picture a credit card that unlocks a VIP door to a world of exclusive experiences, not just ordinary purchases. The HSBC Premier Credit Card is your passport to a premier lifestyle. With a joining fee of ₹12,000, it offers exclusive benefits like 1:1 redemption for over 20 airlines, Apple products, and Imagine vouchers, unlimited airport lounge access in India and internationally, 8 international guest visits, a reward rate of 3%, discounts with EazyDiner, and much more! Learn more about what this card has in store for you. 👇
Quick Overview
Expert Review
Key Features
The HSBC Premier Credit Card is a premium offering that targets high-net-worth individuals who frequently travel and prioritise lifestyle benefits. It comes with great rewards for dining, entertainment, and travel. However, its expensive joining and annual fees, along with strict eligibility criteri...
Key Highlights
Reward Rate
Up to 3%
Annual Fee
₹20000
Rating
4.5/5
Category
Premium
Fuel Benefits
1% Fuel Surcharge Waiver
Available at all fuel stations across India
Zero Lost Card Liability
Complete Protection Against Fraud
In the unfortunate event of losing your card, report it immediately to our 24-hour call centre and you have zero liability on any fraudulent transactions made on your Credit Card.
Advantages
Unlimited lounge access with guest visits.
Pay only
comprehensive travel insurance coverage.
Limitations
Reward points can only be redeemed for Air Miles or transferred to partner programs.
No complimentary golf lessons or games.
Fee and Charges
Joining Fee
₹12000
Annual Fee
₹20000
APR
35.88%
| Charge Type | Amount |
|---|---|
| Add-on Card Fee | Free |
| Cash Withdrawal Fee | 2.5% |
| Card Replacement Fee | ₹100 |
| Foreign Transaction Fee | 0.99% |
| Fuel Transaction Surcharge | 1% |
| Minimum Repayment Amount | 5% |
Late Payment Charges
| Outstanding Balance | Late Fee |
|---|---|
| Below ₹100 | Not specified |
| ₹100 to ₹500 | Not specified |
| ₹501 to ₹5,000 | Not specified |
| ₹5,001 to ₹10,000 | Not specified |
| ₹10,001 to ₹25,000 | Not specified |
| ₹25,001 to ₹50,000 | Not specified |
| More than ₹50,000 | Not specified |
Reward Points Structure
| Rewards Category | Rate | Eligibility |
|---|---|---|
| Special Categories | Up to 3% | Based on card category and benefits |
| General Spends | 1X | All other purchases and transactions |
Partner Merchants:
Who Should Opt for This Card?
Premium Service Seekers
Ideal for those who value premium services and exclusive benefits
How to Apply
Visit the HSBC website or nearest branch
Navigate to the credit cards section
Select the desired credit card
Click on "Apply Now" and fill the application form
Upload required documents (identity, address, income proof)
Submit the application and wait for verification
Receive your credit card upon approval
Processing Time
7-10 days
Eligibility Criteria
Age: 21-60 years
Residency: Indian resident
Income: Stable income required
Documents Required
Proof of Identity
PAN Card, Aadhaar Card, Passport, Driver's License
Proof of Address
Aadhaar card, Driver's License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof. *
Proof of Income
Latest one or two salary slips (not more than 3 months old), the latest Form 16, and the last 3 months bank statement. 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6A0L+dD3G2UjJwjXpONaN/zcipv0yP50RijJmtQU0z/fxbSdtGsaUSk406g/2gABoc5aoCY75CnC2Nfm8pFblvAMLmyj8QWiYtS9Zkx9ordjeSM/j82V/eq0VSczFmKSOwgI25OU04iokNRclfc0tPCRz9VP/sCyC8a+Wme1FnBhGwUGoiLUEUy5PRBTT+t+tnE552yO7F+npZJMXwsBYaNs5AThhZ5VzSINtux8pyzrrRbDEK54pqyqRBWYce21/nZ97a4NymLZv047dbHmKBj0D1NM65GNnCDcgi2Egfctn9AUFjUB92G4YQHP/oDGF4iqwOR5G7Mx/fOyj512AoO+PmntnmYzdIJwxVyVD7xnhUiFbXO60wBsLQzfvoybT9DmPETl4HaemYR6f/pZTZf97LTRbuYzoIXwLylr1bLd2AnCBT1NTXzoU/M5v9DucKcLo9cv4EM4TRW7kWJ2gycIVyT03+DmPFvbWP20G1/ARHdJprclqduIqJLsqQv5GO6v7OBspw24B8PX53HzSZqNRFRBTOuHn7/tSRgNHAKD7HenrKwNc9TTaByBqIbuRT6xSA13T5sOs43KcukcPnLLYtqYh6iG0QyuX0iod6Tbp1E3Eu6PAAHhGdnICcI1uMeytopnT5maq5YrAvMj4WykH67iJu2/QFSOieML6YR+dt8GpUn2v1NOu5mvGYz6CtofgaiG7sU+PvDe5ZOyP8J4M3L7cp59pJm6kYiqMBPqDwbjygdkHzzl1MW0c5NMf042coLwQl9oJc9+YnrONirH2BV1fOi+lTzTTq0FonLMmLbDjGtfk33wlJI1uCyS3dG2mkTF9DS28OzHFtqc6Uxi9BuLrMDgYOwE4ZqY+lKmw3+p7IunjFJMuxWMegcwKhs6QbgFVy2PnD1Fk93Viq/W8REIDOaPqbVAVIO6G37+764nmpe2tbE62SdPmrYyVv8mY0vBoLfRmgSiYuaqYsbR8Fn1fOyLM28sQWbsynqepUyqRDXEtKFMQu1Mx9UT+YP6Itk3T5r2sEjLfqYcZzNygvAADi73BRttznPGchmm2F6QW9BGg85EZZhxrceM6w/3bVjWxKdKa6Gb+U9PUioLokp6mpr56DkzvNvIgeyDTdzEFNsOBk8QbknHlJOxG0n2zxOud1mj3sWUW5K0UI2ogn0NrXzwPSs4v3AGLFLzyMjNi0VgkI2cILwArYUHhtqV42QfPeFKMf9ZKaZvkY2cILzQf1gDHzptZk5BLYdIr31PA89soNYCUQ36W9m4ej6fzNYCbp6TZCrmN8IZRzZDJwg3pOoVnjlhCR89f+YPLhdj5NalPPtoi4OhE4QnbsskfIbsqydMuHlObl2CzdAJwi04uDy8br7NUc4mxr5ez4fbVsgGThBe2ZZN6DfLvnrClGLqFqBTNnKC8MLQxxbwsQtm31jCIayfw0duXMizDzfLRk4QXsiacfXl9LONE5ssbyfTF+1iSgBaCbuTtOcyUSmY9K61mY9+vp7zixwc5SwDWwsj31kqGzlBeETtNBP6dbLfHlf1sWWrwKg/YzNygvBAql7lg9Nxi81xYuzyOj569TwrJxJtxENUTsqMay+KjXgmat0CtBCOSDEtIRs5QXgBF6sNnzlvZuyVUEPEgDMlyyMqJaYO44I23Ijnzc2r58v+u+baxZY1QVC4QDZwgvBC99JW3heaRauXPSDWLTxOM5GIKonpbQNPa8fIPrzm2sO0NUmm3CUbOUF4YX9rE08fv9TmEAnMiTSXZx9qstJfyIZOEO55eTiunC778JoLDPpKmoZKVEW9yvsPb+DDn5lnc4iExfBdK6C10CobOUG4Jh3XkukO9Zpx352tm+kP5GYd2Y2dIFzQvUjh6Q9SK6EU2IU09INVNkMnCC+YG9VHxnV3tm6mfBICwiuykROEF/qjK/nQ6bMzpYVbxr5ax4dvpempRHWYce0PZkK9VvblNVOS6XcmKaUFUSWZDy3ho+fNvmyonrgEd2dbyLOP0YAzUTnpuLYffm6oefZUzticNxmbDwb9YhfTkrKRE4Qr5mg8tUDhQx9fyMe+TNNQyzH2V/N59vu0ZSdRHemY9svBmHK87NerEgSFuiTzq2DY79gMnSDcklvBPHwGDTC7AbOnjnxnic3ICcIL0Fp4DX7eKvv1qtTFmpdCC2E9tRKIauiGVoJ50mI+9oXZmw3VE+vn8LGr5tmMnCA80m1CYJD9elXaw1pbkkx/Dgx7UDZ0gnBL9xKfGEsYm4Ub6VQKDjhnf0hrFohqUEfgZxaT5PHNrPoVzpyx+j0sEAajfjvFtCHZ0AnCDan5Kt+vNFkBgZLfueeyOj7ctpybT1PaC6I6BjqUdb0deqPs4z2rl+mNe5j2MdnICcIL+5b5+MB7ltudHlGaS+fw0RsX0h7ORPUk1PsysUBY9vGe1cW0Y/Yy9SbZyAnCCz2rmnnmxCV2p0eUB1oL5lMUFIjqwHGFmsxCSjHl7CTtwUxUSa9/FR/9PK1NqIj1jA/dt5KbT1BgIKoiO5BQ1u14NLpA9vOelGLq1dBa+LNs5AThFkxrMXDUCs5pbULFjNy2zEqSZzd0gnBNOq7etL89GJL9vGu9yZqX4irmLqbSrCOiYnoaW3j6OMp1VA2jNy3kQz9otBk5QXhhMKY+nm7X1si+3rVwPIE20yGqpc9o5OZHFtkcHeGesSvq+NBdK2xGThCeSKgvZePq52Rf71q4YA2Meqts5AThhfQxS2kVcw0Yxv2baRYSURX67qr2b+5m2t0ppr4tGzlBeCF7KuU6qgUj31zEsw81Oxg6QbhFz+LU1P6ftLbI/t6VwKCf6WIqpbYgKqZ7kY8Pr6M02bVg9PqFfOh+SpBHVMlGtb2ibTo7mbEwSV1HRJX0qqv48JnUdVQLxq6qF6ubbUZOEB4w49qLmbhyoezzS8oKCPpaMOrXZCMnCC8MrF7BR86utzk4wjuYB2nklsU2IycIL2DWVHOj/oDs90tqD2tdAkHhcjDq/5SNnCC8QFlRa8glc/jo9Qu42a7wTMxu7AThknfMmPZz2e+X1H4WWJli6n1J2j+BqJLhT8/jY1+iQeZaMXrNPG4+3gJBgbKmEhUS0/rh57/Kfr+kdjGlyUqVre6WjZwg3KHy5ByVj54LrQRKlV0zcH+F7A9XUSptolo6OxPGQtn3F1Vul7XXwLD77cZOEC6AgJCar9icGlEduBvb8B2USpuoFnV3JqGvdR0YdjOfkWJaFoLCiM3YCcIFGBB6WpptTo2oDmuweQk3N1BQIKqi2+xQr+p+tHG57P9twq039zL1JNnICcILuD6hP9Jgc2pElVxeZ+2vQEGBqAIzrvXAz7t5oqFBjgE24XjCXpEu227oBOGWfUta+eDRtKlOzbkUgsLV82h/BaJK1F6gvT/ua5ZjgE37mBJIMuUK2cgJwgv7lrXy9AcpM+p4YT7Z6mDoBOGaDLB1INHsk2OATVZmVP1h2cgJwgs9K1v40OmU3mK8EDmQcL2C3dgJojwxbRh+dqbbNV2OATb1Mv1DKaZtko2cILyA22+OfJZWMo8XQw+sonEFohpGcb1CepMSkGOATUmmn5Jkyq9kIycIL+xvaeKj59NK5vFi6N6VNK5AVE32J8pRvI3Nl+PAIepm/tO7mLZdNnKC8ML+1iabIyNqx/CdK7j5BI0rENWRjikn95SbgbSHqZ+F1sJbspEThGvqVd6rN9ocGVE7Rm5dxrOPttiMnCC8kE6oF2QSPkOOA4cIAsKXwLDTNkMnCJd0L/Xx/sNpjcJ4MnrLEp59hDbcIarDVVDIbcFpM3SCcMu+FS28/6gVNkdG1I7RbyykXdiIqjHj+jX9P2k9Wo4DB9TGWF2KggJRJT0NLXzgPRQUxpPRa+dbifEcDJ0g3AJB4eFMu75WjgUHhCkuICh8XTZygvDC/pZmnv7AMpsjI2oHBQWiFpQNCvuY/l4ICvfIRk4QXuj1g7M6cYnNkRG1g4ICUQvKBoXcambcXMdm6AThlt4AOKuTFtscGVE7MIV29gcUFIhq0WMDHfo6ORYcEAUFohZQUJgALp3Dh+5b6WDkBOGedFz9ZXajfo4cCw6IggJRCygoTAxD9zbYjJwgvJCOa9vh58VyLDggCgpELaCgMDFQUCCqhYICMSFQUJgYKCgQ1UJBgZgQRFD4CAWF8YaCAlEtFBSICaEvtJKbaxfZnBhRWygoENVCQYGYEAaOXMGH1823OTGitlBQIKqFggIxIfRjS+EU6j4abygoENVCQYGYEGigeWKgoEBUCwUFYkKgoDAxUFAgqoWCAjEhUFCYGCgoENVCQYGYECgoTAwUFIga8Eo2rn5RjgUHREGBqAUUFMafscvr+ND9jbKBE4QnsjH92cG4doYcCw5oL9Pfl2LavbKRE4QXROpsCgrjythV9Tz7AGVJJarDRers5uhept4uGzlBeGG/Cs7qQ7SfwnhC+ykQtaBsUNjMzpvbxdTLZCMnCC+I7TiPpu04xxMKCkQtKBsUUF20RzNRJftWtPD+oygojCejNy7g2QebbEZOEN5Qb093+E6Q48AhSjHtK2DYGdnQCcIt+5a18v4jKSiMJyPfWsSzDzc7GDlBuCcd1/8q29F6tBwHDtF+pp8DgWGnbOgE4ZbuBQrvMxptjoyoHSO3LuPZR1tsRk4QXkgn1AsyCZ8hx4FD1M38p3cxbbts6AThhf2tTTZHRtSOkdshKDxGQYGojsGE/umBRLNPjgOHCFoJHwej/kfZyAnCCxgUxr48x+bMiNowfE8DN5/y2YycILyQbdffxzfri+Q4cIi6WOBkaClslo2cILzQ09TMR8+ea3NmRG0Y+n4jN3+s2IycIFwyBmQzHUpQjgE25VY1PywbOUF4oWdlCx86fYHNmRG1YeiBVdx8moICUTGjZlzrSW9SAnIMsCm3gO0m2cgJwgv7lrdyk1Y1jxvmk62ykROEFzLA1rLjCahupukppl0kGzlBeAGnpaaPW2ZzZkSVrGd87Kt1NJ5AVMtgJqE9zzdpq+QYYFMv0xu7mP4p2cgJwgvdi3y8/4gGu1MjquPSOSLvEQUFojr0XjOuP9bboTfKMcAmzti8Paz16CRTh2VDJwi3pOYpvKel2e7UiKrA7KijNyykQWaiKsR4Qky/hScaGuQY4KhcF1JnklY2E5UyV+X7lvpsTo2ojrGvzeXDdyynQWaiStTdmYS+tjNhLJT9v6O6WLMPDHsbtBZ6bcZOEC5JzVH52JfmcH6R3bkRlTF21TwxHTXToToYOkG45p3+n0Ra2tpYnez/HbWLKU3QUkhAUNgtGzpBeGHkrHpaxFZDxq6eZ+U8ilFQIComk45rf8RWAudsjuz/HdXDjIYk898EgeG/ZSMnCC9kT13Ixy6oszk3ogLWMz76V/N5BscTYjZDJwi37DVj6kuy3y8paCksTjHlLAgKb8hGThBeGDxmOR85h1Y214RL5vDRGxfKBk4QXnnbjOsbZL9fUpyxui5m+CgxHlEtmC0Vu5BsDo7wzNiVc/nIbUtlAycIj+j/nI7r35L9fklBUJgDzAej/mtoLeyXDZ0g3NK9opUPnzHP5uAI72DX0fA9KxyMnCDcY27UXhiMa2fIft+VwKgf6rKmptqMnSBcUa/w7CcW0GBzDcCuoyHagpOoEjOhPdWXUI6U/b0rpZh6NXUhEdWS+fBiPnIujStUy8gtS3j2Ccp5RFTHYExtk329a3Ux5eQkU5+XjZwgvIDpLrC1IDs5wgOX1vHhtuU2AycIj2zLxtXzZV/vWjjYDEb9kGzkBOGFHl8TT5+w1O7oCNeMXTuPD93bIBs4QXhlY6ZdXyv7etfawaILUsx/a5IGm4kq6F7s44NHL+f8K3ZnR7hj5ObFNJ5AVA12HfV3+I+Wfb0ndTH1UjDs38mGThBe6As28tHzaRFbpeCsI/MxGk8gqkEdHoj5LuqP+5plP+9Je5i2Zi/T7pKNnCC80OtbxYdoXKFiso+1UL4jolo60+3aGtnHe9Zu5jO6mPYF2cgJwgs9jS08fexym7MjyoCb6lyZ2z+BUlsQ1fFMttKpqIXqYs1Lk0w5Dgy7J8W0UdnYCcINqYUK7w002p0eUZpL5/CRby3m5gZKlU1UzcWutt90I9xfIcnUt2jjHaJi5qh8X0MLLWLzymV1fOieBto/gagCdRTHE/rjvtVdTzQvlf17RdrJ9MakmJpK+ysQldMNrQXKmuqNsSvmcvNJ7Dqi8QSiQmJaP/zslP16VeKM1e9lLe9LMW2nbOgE4ZZUvcoHjmzgo2dTgjw3iK03v7GIAgJRFWZc+y/AW1bUcsKsqW+y5qUQFP4lxdR+2dgJwg2puSrvWdnChz81n499hbqRyoEb6gzfRQnwiKp5JR33nSv79ZoIgsIzYNzvyMZOEK6Yo4kEeeZHF1MXUjlwQ53rFvChB5tlAycIL2QzcfW53meao7I/r4loIRtRC3B18/CZlE67JDjr6ObFNMBMVMs72bh+p+zLa6ZuFl2eZOpzspEThBf2LW/lmTVL7I6QOMDoDQso1xFRA9TnzJjySdmX10ycsXlg1N9NMv0t2dAJwjU44Pze5Xz0PEqnXYyRO5bz7MPUdURUjhlXBwfj6u37Y4Gw7Mtrqm6mrIOg0G4zdILwQF+gkWc/ttDmDAngq3V86AereIYWrBFVYMa017MJ7bw3N7P5sh+vqXYxJdDF1MtkIycIL2Dai4H3rLA7REIMMGcfbbEZOUF4IqElhjeqJ8k+fFzUw7T3g2FvlQ2dILzQvcTHx75Yx/lFdsc4mxm6dyU3f+yzGzlBeCHhM2q2grmc9onWgnKLbOQE4YXuRQrPnLgEAgOtWUDGLpnDx75aZwUEWrBGVEpM60/Htdd4wljI21id7L/HRZgkz9qqU+unfEhEpeBitj6jkY+eS60FBFNajN640G7kBOEJtdNMaA/JfntCBIb9GpCUjZ0gXIGL2eYpfAhXOH9plrcW8ovV7m90MHKCcIs6DD+3pxM12DehEnUxbX0XU7fZjJ0gPNC/uoEWs9FiNaImqG+bsUlqJaCwGynF9MdSTOuWDZ0g3NKzopVnMfXFLE6rPXrDQquVQGMJRBWYG7WHMu36WtlXT6j2MOVyMGxqLRAVk5qn8MH3ruDDn5lvc5azgkvm8OHbllpbbjoYOkG4IqbtHIxpVw4kjNpspFOpuph2TIqp94FxZ2RjJwi37Pc18fRxS2flgPPYNfOsxWq0BzNRBemYuqUmezDXQvuZfk6KaZ2yoROEa+pVvl9dZa1bcHCcMxmxLuGJVpuRE4QX0gn1gpptt1mt9jD/0WDY19sMnSDcMkfj+5a18vQHl9mc5ozlEpyGWsfNdoXGEohqyKTj2nbeEQrytrX1sn+eFFnrFpqjSaa+naRuJKJCUvUK72lp5mPn1/GxC2f+oPPY1+r58HeXyQZOEN6IafsGY9oV+zasXCH75klXiqkJCAy7ZWMnCFfMUcUmPMOnz+ej587wDKqXzOGjfzWfZx+iTKhENaj96bj6B9xEh5/H5so+edKVZPrapLWgzW7wBOGS/uhKPrxuZs9EGvt6PR/5zlIHIycI92A6C3Oj/oDsi6eUoLVwc5KmqBJVMoC7s51Vb3OmM4WhO1fwDCW9I6rAhFbCYExt6342ulz2w1NKSaYekWL6LfBzQDZ0gnBLz6oWnj5uZg46j3xjodVtRIPLRBWkY9rPB9v1T0/JbqNC7WDRBSmmnJWkvZyJKkjVq7wv3MhHZlr6i0sZH75nBc8+SVNQiQqJacPpuLo7HdOvNTf6I7IPnpLay/wRaCnclKSZSEQVYPqLgdUNfOwrM2QmEia9u2YeNx9voVYCUQ0ZM679YuBp7RjZ905pdbFmX9LaiIcCA1EVmCxvJmRRxb0Ssg820cplolp2DSS0YyZsA51aqZs1Lu8S+zmrf0oxLSsbOkG4pS/UyIc/N70Hnceuqucj317CM5QFlaiOTjOuP4ABgW8+b2qPJcjijNV1soaGLqZ2gGHjojabsROEG7oX+XhmzZJpOxtpLJcWe+hHq2QDJwgvdAM/mzL5jSpVF9POhZbCC8CQbOwE4ZbewCpufmTxtBxfGL26ng/dvYJnMJ2F3dAJwgXqKPz8bbpDvVn2sXnxRENDIZ0JYyG2KPAn/v7Nzavn5/9dPnbCBa2F87to7QJRJb36qmnZjTT8vQZr32WboROEO8y41pOO+87t26A0yf41r3QscH0mprcdIKGvNWPaldkO5Sz8PY5DpOP6NZO+3wJqJ9MbU0y/MMnUXjDuUdnYCcIN3Qt9vA9aDGLQeTqk2L6sjo/cmtsngWYbEVWQjmk34vRT3sbqZP+alwgCce3HODMJ/35wo/pZM6H9Hfz/r7LtvnPx382E+j/pmHKLfOyEizM2dzczjL1MuwsCQ59s7AThCsykusTH08cvnfKzkcYus3IbmY+20OAyUTFpaxxhm9nRHOVlZhthKyITV+6GD5Dn0+3K2eZG5ZMQCF7MxLQ/mzF9C/AG5krCVdDysZOiLrZ6KW7IA0HhVTDwHpvBE4QLcFFbT2vz1J6megnjo1+v58N3LLcZOUF4IJuJ62/Bz1tlf1pM6YR6cyahJrDVYKE+D4HhvzFHEpTzspVRdYoEhbySLID7LlDSPKIqBt+3jA99emomzcP1CCPfWcJNaiEQ1fEOOPFET8JokP1oMclBYSCuPZyOQWshoSUGE8pZUOYbUy4ooLqYei0NPBPV0hdZKVoMslOeVC6r48O4kxqlsSCqwIyrvVlw8L0delT2n6WU3qQE+hLKkRhIEEypjf+W/z0ONmcSPqPgkKmhXSz4gSTz35Ri6juyoROEW/ZhGgxoMeCmPFNl4Hn420t49uFmmn5KVIny40yH/6NeN87BcYcenJLaxuYj3c82LuebD45FYKDoKvj/KSPO2Hww6sOTTPlR0lrtPCYbPEGUpU7lPQ0t3DxxMR+d7MAALYSxq+eJ7KfUbURUTExLZuLqtoEO7eOlpp/OSHUytnA38xlJMeisDtsMniBcIAaeG1v4yFn1k7qwbexrc2lgmagFb0NgWD/t8hrVUtaMJJE4b1A2eIJwS09zM8+etsDmrCcCnHo63EYBgagOnCGUTehFVyzPGnWx5qV7mHJFF1P/RjZ0gnBLar4iBp7NjyyyOe3xBLfVHL67gZtP0oploiq2mQn9un0Fg8KzWt3MtxoM+/okU/8gGztBuGXf8lbeH17Jhz81AVNVLwEum8OHb13Cs7hAzW7kBOGGEbFAbaN2a+/T/g/KvnFWaxdTAnuZdmUX05KysROEW7oXQIsh2MjHvjiO4wvroYVwxVw+ev0Cbj7RSiksiApRR+BnvxnTX+rbpB2+41G2QPaLs17YlQRBYT20GCjVNlEVg8cs5yPnzLU79BqAi9NGv7XYmmUUkw2dINyi7jZj6ks4TbStRE6jWS9rjEG9IMXUX8uGThBuwTGG9LFL+fBnatuVNHblXD5y+zKepRYCUQ0x/X8yG9Xb+57WDi+V5I6UEwSGKBj29V0UGIgq2N/SxAffv4yP1CLdNnYZYfoKDAgP0ZaaRDVACyGh/SgdU07e8WiUuozcCgNDiimYbhu7kmi6KlERPataePqYpdY6hi9XOM4AAQEHlUWX0Y9bKSAQFYJjCGq/yGfUoR6LK45lv0cqo/wYAw0+E9WAC9z6oytFYLA5fBeINNg3LKAxBKJaus249hqOIUBAqJf9HcmlMDCAYV9J01WJakjVK7wv1MiHPuFtgRuuVB7FfEaP0xgCURXvpuPak30blCNxDIFzNkf2dSQPwumqSabQGANRFd2LfKLFYH50kdWVVCZXEq5UHvpeA88+0kwBgaiGbdmNyq3pDv0E6jKqoTAdRoppX7c26cFcSSpt60l4Bhe49YVX8qHTF1hrGZwCwyVzxDoETF1hPkUrlYmKMYGdmAIb01nLPo1UA+XGGDBXEu7chtlVbUZPEGXB7Kolkuhh6grcW9nByAnCPTFtp5nQHpL9GGkchIFhL1Mfp/0YiGroXqyI/Z5Hzj44AD1y82KR/tpm4AThATOutg90KOtk30UaJ1ktBvXYFNNpBzeiYlJzrRYDjjMMnbGAD+P4waO4QQ6NHxAVMQbBoH8wrt021KEe29uxvFH2XaRxFG7Ugzu45bb2xD2fM7LRE0RZ6lS+b2VrT/rjy1/LPtnab7Yrww7GThDlSGdwT+W4sqm/o/XoWb0fwlQQGPf1KaZtTzK1jwagCfeIzZ32p+br/9pzknZ9Oq791gTDNmPakIPRE4QjuJ8y1Jk3sgktkX62Uac1CFNE1gC0ficYeq/d+AnCTorpO7uZdkMXszZHx0VFYNzfgODwB9nwCaIY8CHxghlXTpd9EmmS1cVWL8V9GSA4nJuk7iSiNEPWWJR6AQQFfSfTF2Edwi+8/bFAON2un52O6Y9j/3AmoWF6Y5sjIGY5MXU4k1D3wn/flo6rJ/Z26DR+MBXFGZv7LtNWpZh2MRj9z8H4dzg4BGL2gtOY34b68UIXU8+HYNCIdUauR/1xX3O6XVuD0wmh5fA6tBz225wCMYtRd8PPlwdi6jdx/QHfoCyW6xBpCgpbDHuZ+iw4gZ4UrWkgrJbjnyAYdGDdkOuLkyA4rIag8CNoLfweAkOP3TkQswd1DBjN4C5pMfWldId2Aw0mT0N1sWYfdhGAM3iNAsOsBgPC1i6mrOtkDQ1yPSmngae1Y9Jx/WG7oyBmDTF12IQPg3RMux5akbpcR0jTRJvZeXPfZKvnJ1mTmmT+m5JM+V2S0nDPJgaA3+G7xw+Ebta4nDPvG5p0JoyF/U+1tgwmfJ8GB/ErXKlqcxrEjMWM63+EYPBEOt5yYvejUIdoD4SZob3MH9nNtC+kmPr9LqZRxtWZz7Yupt+SYspZ+O7l+uBVfDObi4uRMnHfKeAgbgRn8fdmXB2En2OyEyFmBFkgaSbUpwdi2vqhhLamazN1F8049bCGhr8w5TgICncnrS6l7iR1K80kMkmm7k6Kd6veDP99xA5W+83QzY7maKZDuTyTUF8Cx/FfOE/dwakQ0xLcCEfrHoxpb6Tj2gsDMeWTfRuUJrkOkGagkkxfC07jJdrAZyahvg3BIIHvVn7ftdbWNlaP6xogMNwBQeEtu3MhpiPWQjT1pcG4fjm+3zbaP3n2Kb8fNLQaOpO0tmE6ksm9u+vzi9AmWn0bljUNb9Q+bsb0LbKTIaYNuCYlMZBoPqYn4X0yAmkGCZPr7WGt7wXHclGK6TH4+Uf44kw7OB9iCpHr+tvWxdT7cYopvMOj8V3K73cixBNsIa5tyGzSTs0k9PvBwWzPzWWXHQ8xxcDtMeHnM+m4ek1fTDmZb1CaaCMcEi56m7OLKYv3MvUk4FvgbJ6xkuxRLqWphchVlISf2yCAP5ZkyuWY3kR+n5MpXMw0FNcuTie0h8DZbE2L4KBSkr2pRX86ru3A9BTZhH5zJtZyGq1IJhVVJzMW7hPbf+ptSWu/BhqInjr0A69BIFg/Wa0CtxpINPsGE/6zMiIw0MK3qYW+A7uKMgmfgdON5XdHIpVUF1NOhtZDW67fWnZSxMSAgeA2fBfy+5kO6n2mOQpfpV/DL1O7gyLGndzCMwwE2bj6OZpNRKpKmB+nh/mMPUxbg44JWhDPgZN628FxETVFfwsCcQL++/okU47/C1OCU711UEx8s75oMOZXBxLaMekO9QJMtgcO6ndpTJkgOzCiliSBvx+M63cOdOjrsGsPB5EptTWpZgLn9IEusQBO+16XSKomsrF2d9GspVqAz3AX8Dt8tkmm3gH/fUaKzZwNz8EZ1eFXqpnQPw3B4SZwWBsyCfWVjLWHAy6Ek50a4REr0KpvYX4iM64/kunwX4pZTHdR0jrSeAoHpd9ljXrSmsoKDkx7Hb5sd4Mj67cGptUxB6dHHIJ4TsNJa/8LDAb/nmL633Qx9VJ8tviM5ec+07RvQ3gFLo4yYzoEB5yxpOOMJWw94Gpam8Mj7IgNkTCgxrBVoL4D//b32YR6RzqhraHxAtKkyUq8h1+1ortjF7UcXNEDQeAt+PkQjhXsZLN7P1v8kh2MKcdjwjVrmqTaLztAwhEIBPpzEBTW93boUQoEpCkhztbW46ylPqY04cylFGv92D6mfjPF1Bg4vT8lKQkfAs9A/xM+k71MuTDJlOPetTa4acSkhZi8UH6us0mcszno0DDh2mCsSR1sV45Ld2jnpWP6D8yE/mtwfrO+e8nM7YOMzyMdV2/qSygfwUCAyQoxjTUmqsPnKD9bEmnStQuCA86f72bK6RAcroIv4XvAKW7AtBpJa5C6BxhycJwzBbw3vEe4V3UL/HwKnsc9EBCuwmeCK4+n66DxRAmdXKZDCaZjysnZuHo+tBzuzCS0p8yEiqumtwOYqRWdpM15zhhiGraWOjN4vwn9Wfh5LwSE6/B5YDpzXFvAN7B58rMjkaa8MBHfLtZ0BK687RLJ+NTngZeBV5MiX4+201qhi2MSNgc7xRHjKHuB/4P3Av/2b8ArcJ/P473iHgYYBDBttfxcSO6154HWJTi1daBDWWfG1KvNGASIuPartBiL0N6AoNGJ/epmXO0TW0XKDnZqk4Fr3wc/9+B9pK3us21wf7+wdr9Trx5M+D6IuYjk50IizRj1suWNKaafgAuxwIk+ZLUiRB+7g+OdusD1b8cglxIBQFu/G+5pto8PTJRwHKIn4TMGE8pZmZjeBs5zSzqmvj4Ns7Z2Ai9n43osHdNvgVbBWhobIM065TcAwm4U3A1sL2tpxc2AdjPDSLGW01Ki3127Eb6yH7ZmOKmvAP+Rm61jc87jAQStnfDzdTj/K3gNeC3dTLkOxwRSTD0NrxUH2XczXzOODeC90PjAxAn7z3GaK+4RzBMNDX0/VZrST+kartQd2KS/bzCufi6dUK8djPvvhS/vGPz3b+Dr+99zs3RkxzxupOPqa2nsArKmiT48GNPuwsV8gzH9U3iduJPZ4DNNCn9cW4X3QQGBRJK0j61cgQFiDwuGcGwCZ+eAU/74HqZ+dg9TvpRrXVyJeZrAUd9fwKPw7z+BFsffugHK2YjHFJaRFNlGMY2E4Fz4/zP2sMBpeA3WtejRJPOreI3ydZOmhnLBYj72uWfaW0P9Hf6j0x36CWa7+glzo/aZdEz5PG4cg6QTyo3opEUivzwxvQP+/m9dEdN/Cg7/wcLjofxbBjvUq/LnGHxaOwMXjw3E1NNwLCAb961Ob1ACHMcEKPkciVQbwZf5IkCzHHUe5WRoSXy2wKmXBIPMQWdv0cOo33Y2aSBh+PrblaNwtfVB9HU4xdMN8JV/bjqmfbjweOHwaVN7EolEIpFIJBKJRCKRSCQSiUQikUgkEolEIpFIJBKJRCKRSCQSiUQikUgkEolEIpFIJBKJRCKRSCQSiUQikUgkEolEIpFIJBKJRCKRSCQSaaYoHDBuDgeN1yJBg0tkgK2GYRwjH0MikUikGSoKCqTZoLm6rjeG/P6PGn7jdJmQrp+Av5cPIpFmoygokGa8Vq9ePf8wqMiRQLAdK7WdYDv+Xj6ORJqNoqBAmvGCSrwwahhri1R0jv+Ov5ePI5FmoygokGa8KCiQSO5FQYE040VBgURyLwoKpBkvCgokkntRUCDNeFFQIJHci4ICacaLggKJ5F4UFEgzXhQUSCT3mqlBob6pqWkZXHyDDP47/j7/hziHHf7dFw0E3hP2h4+PBAInGbqxFgkHAieH/f4PRn2B92iapqNzKTy2iOZGGxuXRyIRv1OZSCQQOS7i9x8d9fsjeE1r164tV2YlEtcRjUb1kBo6Aq7huJDf/xH5OvAa8fdO1yE/u2LP0IsURWkKhUJB0FEhLfR+69nopxReF/AhvN6wrr83d22+5ubmpfiu5PJk4T3I14vHw7s8Ax72Hx0qOsd/x987HGcD7301Y2Wvo5iwjPz9R4PBDxTWDVxch/+PzwV+D38WajWsOleR8Hnhc5PvIU/Bn9bhebA+Hg7nhvOeUMwGoD4tKDiurArft3y/B+uh9a4juh4tsLM6uSyPqoeyVkFZBlz7ajyHfF58zmFNOxyvT34eeJ/y88qTewZzC/7eJrwH+bg8zLKdOTnwOvUAPF+s99I1fqjABlw/k7wN4PvE5452Lj1vfAcfQtsXfgr8BCu4n5kYFLCCN8DTOBG//mSggh+fezFCWBHDweBVcLNbIoHgG/Czp+Ah9MLDeT0cCL4QNozr4TgDjazwZLKgwiyHP1sDZnCTKDNo/AnK7S98uLkH/otoMPQ9vKbC66mV8DqgQnwMrzsSMBLinM7XAdcYeix3HYc4IPnZ5QEjeh+WX/i3bgQOYjE44LOiAeMOOO/zwG9zz3u08LqATrjWV+H5vIjXDsesx4p4+OGHN8llyhLGIF9zKPRJ6zkEd0jnyRHcgb+3HecEODY4h08+rxvh88UyIv7Q9+C8v4Dzvpq7//y1ZHP/vxV+dw/Uy7PRYcjluBVeJz432z3kyP9dLnAY8F4ewnNDvXin4JrQBt7O20Cj5UBcKf++wcncV+R+Bbl6+FIYz28YV+C1yB8oHiV8QCgQ+AKUeT88xxeKOLmtkUCoHZ7FDcCa/MHiPWEAdHhmCL4TvLfCE8qCMo6Uj8uD1wZ/Uo9BG8+Tq5u/CmO9P/S5vI3PBW0Anwlel3weJ2H54lzW+/xFrpzC+8Z38CdgC/o++Ps1hX5txgUFfHAYEPCmgN0y4iFjwAgEVsPNPwUv5F/BKSbhvwfhdyb8POCgcv89hA8jGjS64cXtjBihDVBx18nnRScJD/hSKGub9XJzZQaCw4VlCsS/BQcilsGJa4LruBIDlFyuV2HNiWIlA4drGXcomQsGWTjniP06xDX2565jCzj8L4TD4QCWJT+7PFD+z9A5yucuJgxO8MxvhWe4HZ7fXnyWufvP2J5N7rqs67WuTTxLvD78og8GnwdjP7dYcIbbx24i+zXjOYNG2nauHLnf246Tgb/9VTQQ+oJ83lKCa/rQYcHQPXj/uTJ6i9z/WO7/0fj6gD1RYdChBwyfz/D6lX5YMPiliOUUbPeB4N9gXYZ387So2+K6jMHCenLQBoJQn0PbjgoGFfk8sqz3HXog/75L3G8eDIZ4z715O4NzPQPv+ktuPgTyam1tXQLP+hSw7dtzH3h47p58/Xc4bwavC86ZgufRCTxvaMYxAfiChjr+dfl5HcAwLgEbOUw+f6HC/uDjtuNyoP85Aj+swF9AXfqduGe8f6veH7w+6//x3/tDuv4+vD/5PIWyVu0bj0Cge9U6T+65S+WKd5C3fcu2OuFaXoCW6icx2IVnYlDAKBmxHop8U8h/RkKhi+Dn88LgpK9nF3SCIT0f0oOX5c8JjvQIeJDXA7+D3/cChzrf8mDk3o7pFrC57qabRNbhuq5F/MZZoUDwUeuFhtCpOBlgcQLBJPx8Bb4w2jAw2H5/kJeiBV9WpYTPCb8y4XrQSDHwymV5IQv39hcobxs8qx+A8zlVPh8GBYfjasl2MLyL5fM6CQ0M7x+OeT6M9a6y+8+Cke8AB/kcBMMLITA0y+cpJnAS6yNWKg+5TAv4iod72RiRvlCL8A5cw+OHK4qjk0a7w24YqBd3Qrm/hPeNrbJK7leA7xne8b/AOR9EZ1UmIM7F+grnvsGqa8Z/wPkxCIzJ5RYlEELHCU47+HOw4zY4/h7b3+SvDT66DoeWgHwRhQpZz9V2rED4n+DTcL2/iZR/Rlm0S8zNVcwvHKxnQWiNhTpdlCkD/iqEPugVeA5fhfO1z7KgEHwXu0vE13HAs/POg83rl0RfPXzdhwKhr8DD3Obwd15AhwflBu/GCu6l3xq/mkW3TDAYA6N416FsL+CL/zd0fA6/y1M2KEAlXoR9muJvrS8huYyqAMP8oxEIXCGfd6oEBTGm5fefHqnR/eMXH3aDRP2hz+L7Pq9MnzaqbFDArjl3AQH5DwxK+F7l8+C/wdd1OIxf1xjAAsVbZN4J/p8Q2ASOD8jnReFzQIdp1dfgP8AzqupZ554ztPaDfyP/7sDfVBkUwlY32X/Bf5vy7xzoA1/1qlx+TnPFGEyunkWcW0OegGv7X3C+bWHnrtaZGhRqCBqVP/gYfFn/2va7ysAv+x5s0rvN2plP9mZ1M4iXJpfpHau5aev7LaBsUMCAkOvTlI+tFY7OeaoEhRA4b/jbtxyOrw5wEPi+i301FqpsUPDGdgMfrkNfP34Ywbu+OWK1kuXjqiKcG2MxiozjiIAgusCwm0h87dvKqDXVBoWIp2sN7kQ7kstH4ccBOPHrIuNRz5yhoDCJbI/6jdPle5OFjgFnMUWcB2vHk5JBQTTlg6LbRD6uZoQD4ZMNhwH6qRAUsE+2Bi1HZw4E7OCJxcZV8qpVUBD904Fgu1w+CgMFfFW/HPHeZeGWosEI7x9aEZdHxiEYlaIGQcE9uY8AuXxUib7/8WKWBAXsRw8E/xFe9P3wxfEtfOFQyW/E/7f6rkPYz24/rhQ4ThEQg6KP58sEI/4GcFsEB5XLdyf0iC+vMgPPOPgUDYaedvnV8RJeDzybNnGP1mybb8N1boB7/Ifc2IrbwFIyKGBAg/ve4HBcnnQEm+iGaEZfcFggcBq+swOAoUOF/zb87sd4rty15bv6sIn8Um5Wjs1RiOmN1iSDQv4dytgB77NYt0Za/N5+nA14XpuigdCZ8nnzEq02I/Tr3DXL57Gwxm624D3iVNj8fUOgOwPvHe4bHUqx+juG7xve5RNGiXeA8hAU0NixPx3rx7cLbSBizcp7OhQIfEUuHwX38BQ8k/8bKV933oK6ijOY7s/XP6h3N6FNRK1xgP+Unxm0fl+D5/EdtGn5vCgoA7+St5brBs513+FkjvuxvIPnx3OHfgbX8WpuINx2rBN4bE2CgjXhpNu6/+A98Bwt/4PXJup+8O/gmT2xWgr+xx133DwceyywW3vZeYxQV0RMfgk+ni879+y/ieeFZ/PnsmUcZMYHhSw8+H+Gh9Me9htX4kNGJwvHHxkQM5NwfrZxQ8TqqytXViHvwIt+EV7od8UAWSDwHiwTZzvhjB0cEIKfHXCNOCiNM5vk4y1wGpqu22Y55YUDftjHCwbhPPdelCFmFb0dBmMUA1HQzM5NyT0SCYVC74fK8pmwP3gVOju45v+OuOuCKhkU4Lq+in/jcNyB4+H53gznOzU3u+SQ+dfY0jA07Rh0mNYAGryjYOhlMVht4PM1riv2lWyINQnwBVUAHHdbyAp+XQ7XggOu7+Dv5eOciOrwzHX9vfJ58wrjhAP7FMA8YtAYnvVT+O6CUB8Kpzai8YsBfmt86MlSdSSM791vnC87jEK5DApYt+FvQg9gfQ2q6rGFNgDnWI/XIzsCMUtFUQLiXos7lZGwNavr73EaMjjgC7HMfP0Ta3XgGYCdfRHfUQSnKVtTkfstgs/C8zit8Lx54XsWf1/aNveHcTAXWjnWhAc4N9Sr/Pnx3GCX50b8wVvBZn8uypJnADlQo6AwaE10gXoH948bPWG9yl8b1v0wzmb0+8+Xyz5S01bhdPacvcrl4rgIBmgcoH4F6xqUcxW+23zZonw4F54X3su9cP+/iLgbW5rpQSG0QzQ9I5GSX+NhnNYXMP467MJZwssYFAYPL0Aup1DWzJ7QNZFSLyIQ/C28sG/Lx+aFC52i+KUtH3cQnNIJrZXQEy7muosFNBEcgBczN5wdUQElgwKUc2vEmhIoHyeuCxzjRVGfz/UsGpwbDwFybf6rEq/VqTuhmPJ1Qnzp26+nJiuaccBTdOeJWWT28RioGyPWF2voATRq+XhZruoITnOFjw752LzKBgXLAWIL8kvyseWEs91C1iw+e7lB634xWISgfDn4FRMGImGTUPcj2IUKzqzYNEwIqmcWe585cOLGKzh9GWy8RT6+UHht6OjC1oxEbFWUrP81CQrCPoI/xOAmH1tKucW2ENBCOIXY5pPguY9BufswWIsg72IKMZS3BurAg9HyvSIzPCjA10+x6XWyxMrbUsZlgX2qWyKtpStgXtg1FBHNZ1s5AvGFX2SACQUv/m7gD/JxBbyFX5LFvqiLCRz2tVa3ma28QkoGhRIGgYb6GrZW5GPGUxMRFPCLXcwTdyg/dw6sj7+SjyulcnUkImaJGDfLx+VVNiiIufnBc+Tj3KicTeTu9yXDGvdxtRI3pzo8RrQWHcaM8oqIbq2iTkzUM3SebgbkCyW+3Iu39Kx7q0FQcFOGk8rWCcsPbS02DlFMGJwior4UfabIjA0Kov8YAwL2zcnHO0nHNQDBIH61yWUVkoIm32luv2DRicCX0LG5pre9TxT+Hb6KX5SPQ6Gjh2NfjJQY3INKd6Xf71eZi6mLhTIU5UgwjK+V6BJASgYFqFyPRJ2nBoqvRwhWF7idXVULTURQsNKaiBk4tvIFAeOXXh0w1hE0wEjxbo1OqJeOA8CockEB7rkN6sjR8nHlhC23UCB0ZsShRZQjDS49ga1Z5jDuU0Yi9QO+M/wp/xI0V0zBtgJCsS/6fbm0JVgGludamOIDW9d4Dw7lCtw49JJBQUz3DH4sd32eBO/0Q1CPNtvKzF8btI7g+q4r1a3opHy6n4i12PEvcrk5ZmxQwFWOz8vHlVKBccpl5UnDg/y94fGrCJvgVosgWMy5b5WPQVnXEsKUAfLf58cRKvpKymkefslHyowJlAwK1oB68WlyAVzcFPwGjmfgveAcd68tGi+aiKAgcsxYfdy28q0Ab9yHKQ3k48oJuz4iYlDasY7gv+W/xm0qFxRwjAnroHxcOWHdCltTIe1lWvf7FnwUXF1JKpRycmGLlbZQhHCRHH4xR63xHLlsQdVBAd5nqW6/UsIeDjjecSwBMHHsBrvh5OPcyloFH/wXh7KRmRkUosHQDvj9LfJxZTQXv47ksg4QwGXyzl/1pWRYkRmdb7EvLsegEA2FvhCxVgjLf4+8g2sn3PRbFxO2MCJW7ia57DwlgwIO3MPf/KPDcYW8Bc/sGTyPGID0h4/HFbH4xR1qCbVGWltb0LBzwcKzcRdqIoKCSHxojSfYygd2YysC76cCDEyRESlSR8K4ir7IuFi5oCBSvaxcuUI+rpxE4r5g8AdyeQfLDb4Q1oOflo+rhTBJoFX/7edF8HkAd8jHeRHc24kRTP3hUL44R5VBIewP/qjczEIn4UdeqMRUb+yyCwUC58nHeZGBEzWCxk/FmJD9HDMzKFTjAOSyCsBzeWp9oNDosQkfLj6Y6BwUShyTvz98DvJxboXHojOSyy6gdFAIBE6G39/ncFxpDi6a2yqmy2EiNSsZHn71OXUluFK+ToxnUDCsOmcrOwfWjy343ryCg8k4E61Yd16pay8XFOS/dyvxtVrK6RlW8kj5uFoIy7Wei/28AnhW0RJ1042wvmEXp63sgvurJijg9VfyfETyzoBxu1zegXJxamsgcJJ8nFfBOe60urhs56CgIEsu6wCB4Bth760PUfmwghRz8JEiQQHO1w6/2+Xw9+IYfAbyMV6FYyMRa1GQU79tyaAgsj8aximRUl1IRQjnEsKFrQSFPbmBr3fEDDDDuKGSL6x8nZisoID3FLa6ejDgeadIQLDA9RXBq+TrQY1bUPDjmpuirSLuZWzNqzDPWK7+285rEbqnBvW/Du/BXnbu/iYpKOAUcjGF1KFMi9BtRpnrciNouX8Fez7s5VNQsEkuSyrzevnvy6nSoGCllC46S8DxmEoUwbThzgvtSgYFFN4bcEHYyhNVdU6WCC74MkKvw1fqT3Pz5l0bfr5OTFZQGE/g2v8HF2TJ14Mar6CAM56KPUskqlf3LEsprIffK+q/w3kRuLY2+ZhKlFsEiWswbAP8kxUUcEaRaD07lCmuC7OuVjBuJQun8YaDoWfl8iMUFOySy5LKnLCgEA6ItAL7HP6+6DGVCCoZTk3FgXn5HGWDAsvNEsFZKPh8oKy/OBlYBfRgFwEuvsltDlJWMzkoRDDtseHsCGdiUCg7FbZGQUHMDLRaQ7YPmqkaFOBj6QLD47oHJ5XoHqSgIEsuSypzwoJCpPQcbcdjKpHlzCtrKeQl7jEYvDxqTaOrWY6aUDB4l+H+GigoOCD/vVvNiqCgGWsiaJcOHzIUFCgoHJBcllTmhAWFksd4yKJZTrayD+I6KOSF1yNmNeF0v9wOXxDYcFWmXLZrwAE85MYIpkBQwM1V8Nxbaw20Gp9BI5avBzVeQSFq7RFRdMqyYTknx2my1QqdKdZ/+Zx5sE64WMFfVqXe55QNCgHjYfwb+TivKrGAlYKCLLksqcwJCwqRQOBbEUxkZf97TP71Nn4xuEkrUEwrV65cgXlh5LIL8BwUQHWYskDMoMB1EIaxLhoIfEHk1gkGb8UV2mErgeDf4krtqDWQbmu6H4Jh/CzgYrZFvk6MZ1AQ0xitRHe28qPBEL6T78N1rKs1uNEQ5iCSrwc1XkEh4vdfgAP/cnl5cNJFsWmy1Sqiqv5c/bedVwB1Ap7Jp+TjvAh3l8P+eVvZB+9vUoKCIaawh74pl3eQ4D+EA4GPy8d5FZzjexAUOu3lU1CwSS5LKnPiggI4/dz+CfLfI3vh9xu85BaSdZi1Ycq3HcrOU0lQKCqxaxwEC/zKEU1XPXAtOtEI7uCFCeTs5xfg1wzmypHLk5WvE+MZFHJBtEjakdBOTK5YTaCuROMVFIR9wVepXF4BWzDoy8fVQvAMm7D+O5wzR/D3wD3ycV4U8vs/Aud4yl62xWQFBVxYlwtWTgsZoR4H38WuWvQr8rFulUt7/xzYFgYA+RwUFGTJZUllTlhQEM6z2Ipm68V1RrVoxU3ocv22kRoHBSehAz0sEPqEmKNvP78gjIHRH7xbPlbWRASF3L4WW+SyD5yjRt0aXjReQcEot6IZu8vg9/JxtVC5HFMRaxrzNvk4L4I6d3GxuoJMVlBAYaqUUt2u2L1UjdMWCQSdu44QCgqy5LKkMicsKKAiVpphx+4KQYX9iy4Xno17UEDl8rE0OJxfgM8Nna18nKxyQUHM9a/g/RXKOJBQTC77wLWKNMnyceOp8QoKKFwkFbHWUdjKzYHZVy+Vj6uVIpbNOH3NIj05x+v5i1k4xRLBHZnMoHC4P/zBaNCIyWUeuDaxpqd4PqwSqhe2ZmU3LtZtS0FBllyWVKZnp1JNUIAm3o0RsceA7Zg8nVB578QEX/KxxWR1gQQxfTZuMi+XV0jZoBAMBkM4ToCOEv8b34v8N+WErQUrpbft/AJ4bn+CoHCvfJwsTHyI87cjxXK6GKEu3HNCPs5JuP+DU54m3KdYZLAsluDQavL/B3arOB1fTmJ/D9zPIWC0uU39MZ5BAReRQX3pkMvME8ZZa4bxr17vF7tIxDx5I3xDqdW5EWsDpmILOK3WMu43Eg47jrfIym9cA8/4N2UyhU5qUDjiiCMwBc3n5TIPXJu1kdSbWFfwubtJ+okfX0GRnNNIhK1Fo2NyuTkoKMiSy5LKnNCgIPo9g8FHI84rjnPXJXaOw804TsWspEU2e58v+mkDkZPAKHC15B+K9CcWUjIo4H2BYX8CB4wj4qsreFM0FPos5tpx69CwmwA3PQIDvMTh/DmwCy14k3ysg+ZggIG/faVYThf8ksdEYg5rH+bh/eDvDL9xetRvfM5wdgh1uXP8Fgyr2C5eg1HcMCgQOAP+FlNDlwyU+Azy5wWDfQS7RaCM7eFg+DNuHO14BgWsT2KigPVVWcyJHLhfHKcqkblzPua9Agd+Mm5iBF/CzwH/BEHhWnz28h+jrHPDV63DlNE88E6fw1xBUSX4gWJZefGdQSDSQ/7QJyHQPBJ2sQPbZAYFrDORSOTo3Fib8xc9fpgEQttwtzy0U8N5hh5mj8VgcBT4iU/Ds/wutjLCpXexo6AgSy5LKnNCg4LY+crAHaucZyEVsB9e9K8PDwY/dZgSPOoIv1/FhHMIjjtE/JGjxTaQIm9KqXQKh1AyKGCLA1fZHvh70c2FG6eE7sG9lTEramHSuzzw7ysRnP2B5UfErKTiqTLgvv4X/N3n5PMXE1T+kveILauIFjw1/4zwOtBoxA56hnFHRCxmCv4iGgidK5edl9WCwxaMY/DJXXdwGyYNxM1n8Bz5+86D50angYE/f97wwa4S8T7RiZb7ChzPoMBySSKt7RxLbwcr7tcwbojiRkm5hIf554t1EILBe8EhXxzF91Not4bxM/i3D8snRuG5cTou/L70V30g9EcIqJuw/uO55foPz/s4CFy4z3PRKbYykxkUUJj2H675R1CXd4XFpjr2c4jziI14gu2YQFDUp9x948Y7IkMzPHe4ljuBf3ITDCMUFOySy5LKnNCggMKpiGA4Vzgc54zlEDGIbEXw6zhSul+4GCWDQsQffCBS5PkjYesrZytOa8T7z4PdTbiGAZ9n2HnRnFSOu3UKeWH5uXu2lVUANp/FM8LrcAgivdg0l8vOC9+paIZb6T3ksg8ll+Yc7xm3V8S8NgfWcJR7LwHjinJdI+McFISwe9DFM81d88GEhwg4Ipws0Wn7uxxhrEMl+sfFdqEGtqDsxxahB8p8PZI7f6T0uERRJjsosNxGRBErkHm5/q054OOm+MdWCSgoyJLLksqc8KCQ7yuP+sXAk5vVwvhVgd1N+HIR3LKz3IbrThQNCjlH9NuSzXrrK7og6d0h4H1kS31pCwxjIzZ7vSReg6/rM6G18ne2sg6l8BnZrkM8L/jyxNaQXH5OdZi4DM5zl0NAcQK7APCe9+fA/86Uen45/owtxVLTXCciKIgNb/wQbDGFt8M5ZHL17UD9K3WfuWePKdYvxZaBfG6s/9iysza+tx8vkzv3wfoP566k/k+BoICqgzp4bDgY6nBZz5D8czcjxbqeSuMqKGDLOowtGavuvX5YMPTdsKYdjuNF8t9OiGZTUEDhAGcU+5zxqyEQLDpVzRO5L1jbvx+kaFDA51Dm2GqxtvQMBs/2ali51MP3lZrS547gy+ES+xpj//VhodAnomiwliF5djwu+DfcdL7U2MJEBAWU+GIPhnBjpX+Tz1Et4Ph2wTt7SiuyP4jYFdFvnB+xvn7dfBiVB+t/wHHnQMEUCQr5cZ1zC+pZ0a4k1xhGF7bQitx/uaBQjz4NW8q4ayT8/OeI9V6eFzPzKshwXBPNtqCQV9QfvNSa0x/8c+7rq9IK0gvX8/9jF4nD7/IUDQoRXFgUMH4WrrxryhHx1ZgLVnhtpb6QS0kMqmHqZWH4JQfVioPT9vzB78plFwo3r7GcpZia+T9h553TvGG9132589+FxokfBfK585qooIASCQoDxreFLWDXX4kWgAd6o/iB4Q8+1tTUtEw+Z17COfpDV+NYS8Tqcqr83OAUI5Yj+yfb73JMlaCAWg33bs2awiSZwXcjluO2nbMcBfb1N1BffxV2noFYMiigTcLvjsT6GQ6EXgY/8LcRa9fAZ3LZCsZlQWNZzdaggMIXAhUWnTk644q+TtGw4OvsaixP/l0BRYMCSlQMkb6iuEPyjNVE3lrt3HesH+I5Wa2ZSprQ+L47cTxDLttBou8XFxTlgqStLI/0YCsFjOssN0FxIoMCqsD2XrKu1X5Oj2yH53wdPkPmYsaaCMLWYseKWwxh7IoNGF/D88q/O/A3Uygo5IRf6AZOq8avfPl8rsh9cAnbxe4e59Z+yaAg6jq8f7w/+LvnD4wZQX2Fa3sGnuvF8jETIrHBC863DwR/FbEi/iHkZiwU6w8uKbmsAwSMTfiFLP99OeEUvWhIzHz4ha1MyyCeko8pJTHGEI0uF1PWDAPzw8BXqosBz6AxiMHACASuwC++/PQ9+XrywNfbg7iCVz5/XtjPn3O+PjHNMGDcH8V9mZ13cyoF9rG/hRlRo7pxCs64cZgy6lU4FQ+vDyp/8K6I1eXh5itePCNwCLdjnynem1xwEdVhF4+hGx/CWS5iq8qAMNyiU4mLnRe/tHD6pJuAgMJWUW4Tets7ROS/r4XwvWP9wWsFJ327uHb3rSTs695tPaPAGSE1dESuLpYNCCis/9idBNewButM2BrnwDokn+cQ4Dn9RYxLgA3j7CScPhsNBM6LODwzAfwd1kX5/IUCx4oz5+zHAmjzeB75mGqUszmfFZSD38i1mmz36sBunPUVCgQuzF1THW6yI3yadN1Q5m+gDj8RUtUj5POjhD+z0r38Flp3f4PjflDOBvi3J8J+XNMS/Lx8zERpLlYkQ9dPMRwSiAGnFJuzXE4OZQlE863MTBAnYQCz+rkDJ8tl5suVj3EhMf9YLKQKBj+G/a1gIDeBU7kfv17CVgrrLRHchxWcO7zob1tT8oKnYkU3CubOy9eTJ6SHToD7dbW3r3CI4IDFvr568PPYgsAFWHg9YDg/jGACvIM8D9fxqPhdAIIafOnCcWJ9Q+6duR5ULqODc7TD4TOg0l6ODkycG/eNzl2PGMQLBn8I13NLNBj+Mj4jPKaS+iP2loA6glNy0eFgyxLKvVPca+588B5wwPSn+G9hfEbB4I3VnBeeu+/wUOgE+f3lkf++lsJrxWvGa4fn++UoJskL4qy04KPF7hd+dw04pPPwGeEiQSimkky/Yh8PrDPgA9bhLC2o/9+x6pvxU7iWnx9yXngP6BDh3Cfi80Lnil1yOGVTfl550LbAdouO5aDg746Rjys8vtRYUDWC8hvQjvG5C1vD5x4wHhZ1+eBz74D7vhf9AgY4/HAr9F94fVEt+GH5ukOB0CcOB9svUQ+F7xVdRfgRGDReiVgfvK9EAqGL/H5/RD6ANDnCVBE+rKTwsj4TxrUNodBFuGo0qGkfxmmtbr88ayWoONGc0azBLo48UEHPzwVI/B1+iU/IbIUP51Yj47lx4C5/PcIQdP2E8chZtBruD1cF473mzwfv58v4XvDf8GusmqSGU01wT4bYzQyecbH7xf5x+bhqBWU3oMMT58BBWVzlXHBeaHnhM56QejYZEs/dCnjrCuxsHTjoow3Lxly1wrxIpArxw8eUPxgL4xTrQLAdnzWrLMiTSCQSaTbr/wEqgTPrxls3cAAAAABJRU5ErkJggg==>
Expert Review
Detailed Analysis
The HSBC Premier Credit Card stands out as a premium choice for those seeking a credit card with excellent rewards and benefits. With Up to 3% rewards on eligible spends, it makes a compelling option for premium enthusiasts.
The card's comprehensive insurance coverage and lounge access benefits offer added value and convenience for cardholders.
While the card offers numerous advantages, it is essential to consider the annual fee of ₹20000 and other associated charges. These factors should be weighed against the benefits offered.
Overall, the HSBC Premier Credit Card is a great option for those who want a premium credit card with excellent rewards and premium benefits. If you are looking for a card that offers good value for money, this is worth considering.
Quick Stats
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