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HSBC Premier MasterCard Credit Card
HSBC • MasterCard

HSBC Premier MasterCard Credit Card

Global-premium HSBC card with travel and international usage focus.

Reviewed by CardWise Editorial Team
Last Verified: 2/12/2026
Editorial Independence: Our recommendations are driven by mathematical value, not issuer payouts. We may earn a commission if you apply through our links, but this does not affect our scoring or the cards we feature.
Annual Fee₹12000Waived for eligible HSBC Premier relationship profiles
Base Reward1.0%On all spends
Lounge Access1913 domestic • 6 intl
Est. Annual Savings₹-10,422Based on ₹4.8L annual spend

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹3,600

Assumes base reward rate only.

Annual fee₹12,000

Waived for eligible HSBC Premier relationship profiles

Net value₹8,400

Estimated cost after fees.

Reward Rate Breakdown

Category-wise reward rates for this card

Travel
3.0%
International
3.0%
Basedefault
1.0%

Key Takeaways

Verified card-level notes, best use-cases, and watchouts.

Pros & Insights

  • HSBC Premier MasterCard Credit Card is best positioned as a travel + international specialist rather than a universal all-spend card.
  • Its current reward model is anchored around 3.0% on travel-aligned lanes, while broad base return remains closer to 1.0%.
  • Current mapped lounge footprint is 19, adding travel-side utility when issuer eligibility conditions are met.

Best Utilization

  • Route this card to travel and international spends first, then shift spillover transactions to stronger category alternatives.
  • Track statement outcomes monthly to confirm that expected reward credits are posting in the intended merchant/category buckets.
  • Maintain break-even discipline against the annual fee of INR 12,000 and reduce allocation if annual net value weakens.

Watchouts

  • points-value realization depends on redemption choice and transfer use
  • Lounge access may still require spend/quarter gating or program conditions; verify issuer terms before travel plans.
  • Category caps, partner restrictions, and MCC-level exclusions can materially reduce realized value versus headline promotion copy.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

Expand

Offer Truth

  • Joining fee₹12,000
  • Annual fee₹12,000
  • Waiver thresholdNot listed
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/pointNot listed
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkMasterCard
  • Domestic count13
  • International count6
  • Quarterly limitNot listed
  • Airport-terminal rows19
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports4
  • Approval reports2

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

HSBC TravelOne Credit Card

Annual fee: ₹4999

Shared focus: Travel, Rewards+23 more lounge visits in current datasetEstimated +₹6,149/yr value
View Details

Lounge Eligibility Checklist

Mapped from issuer lounge dataset + card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for HSBC Premier MasterCard Credit Card using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

Verify issuer-side spend thresholds, card eligibility, and visit caps before travel.

Quarter / cycle rule

No quarter or billing-cycle lounge rule is explicitly listed.

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

International lounge access is listed; verify if this is via Priority Pass or direct network.

Lounge Locations

19 airport lounge rows
View lounge map and location list19 rows
Loading interactive lounge map...

Click a city marker to jump to its lounge list below.

Ahmedabad

1 lounges • 1 domestic • 0 international

1
TheDomestic

AHM • Ahmedabad Airport • Terminal 1

Bengaluru

1 lounges • 1 domestic • 0 international

1
BlrDomestic

BEN • Bengaluru Airport • Terminal 1

Chennai

2 lounges • 1 domestic • 1 international

2
TravelDomestic

CHE • Chennai Airport • Terminal 1

TravelInternational

CHE • Chennai Airport • Terminal 2

Goa

1 lounges • 1 domestic • 0 international

1
EncalmDomestic

GOA • Goa Airport • Terminal 1

Hyderabad

2 lounges • 1 domestic • 1 international

2
EncalmInternational

HYD • Hyderabad Airport • Terminal 1

EncalmDomestic

HYD • Hyderabad Airport • Terminal 1

Kochi

2 lounges • 1 domestic • 1 international

2
EarthDomestic

KOC • Kochi Airport • Terminal 1

EarthInternational

KOC • Kochi Airport • Terminal 3

Kolkata

2 lounges • 1 domestic • 1 international

2
TravelDomestic

KOL • Kolkata Airport • Terminal 1

TravelInternational

KOL • Kolkata Airport • Terminal 2

Mumbai

3 lounges • 2 domestic • 1 international

3
AdaniDomestic

MUM • Mumbai Airport • Terminal 2

LoyaltyInternational

MUM • Mumbai Airport • Terminal 2

TravelDomestic

MUM • Mumbai Airport • Terminal 1c

New Delhi

4 lounges • 3 domestic • 1 international

4
EncalmDomestic

NEW • New Delhi Airport • Terminal 1

EncalmDomestic

NEW • New Delhi Airport • Terminal 2

EncalmDomestic

NEW • New Delhi Airport • Terminal 3

EncalmInternational

NEW • New Delhi Airport • Terminal 3

Pune

1 lounges • 1 domestic • 0 international

1
EarthDomestic

PUN • Pune Airport • Terminal 1

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Decision Data Enrichment

Reused from validated provider snapshots with freshness gates and quality filters.

Enriched decision data not available

This card does not have publishable enrichment records in the current high-confidence snapshot.

Key Benefits

  • Global travel and lounge-oriented premium profile
  • International usage and partner privilege stack
  • Priority servicing for eligible premier customers

Things to Consider

  • Most benefits tied to Premier relationship eligibility
  • High annual fee outside eligible profiles
  • General spend rewards are moderate vs specialist cards

About HSBC Premier MasterCard Credit Card

HSBC Premier MasterCard Credit Card is a points card from HSBC, best for hsbc premier users with frequent international travel. It is tagged under premium, travel, international, rewards categories in our database.

PremiumTravelInternationalRewards

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Frequently asked questions

Is HSBC Premier MasterCard Credit Card lifetime free?

It has an annual fee of ₹12000. Waived for eligible HSBC Premier relationship profiles

What rewards does HSBC Premier MasterCard Credit Card offer?

Global-premium HSBC card with travel and international usage focus.

Does HSBC Premier MasterCard Credit Card include lounge access?

HSBC Premier MasterCard Credit Card lists 19 lounge visits (13 domestic, 6 international).

Who should consider HSBC Premier MasterCard Credit Card?

HSBC Premier users with frequent international travel

Where can I apply for HSBC Premier MasterCard Credit Card?

Check the issuer website for application availability.

Sources & Verification

  • Official Issuer Page:Direct Link
  • Last Verified: 2026-02-12
  • Data Method: Automated scraper + Manual audit

Key Terms

APR (Annual Percentage Rate)

The interest rate charged on unpaid dues if you don't pay your full bill by the due date.

Forex Markup

An additional fee charged for transactions made in foreign currency.

Lounge Access

Complimentary entry to airport lounges, often subject to spend milestones.

Milestone Benefits

Bonus rewards unlocked when you cross specific spending thresholds within a period.