The HSBC Premier Mastercard has a ₹20,000 annual fee, earns 3 Reward Points For ₹100 Spent, includes unlimited domestic & international lounge access and charges a 0.99% forex markup.
| Annual fee | ₹20,000 |
|---|---|
| Joining fee | ₹12,000 |
| Base rewards | 3 Reward Points For ₹100 Spent |
| Lounge access | Unlimited domestic & international lounge access |
| Forex markup | 0.99% |
From issuer benefit data, checked 22 Oct 2026. Base rewards is the general earn rate; category and partner rates are under Key Benefits.
Key Benefits
Live offers on this card
109 online offers across 73 brands right now, each valid for at least another 7 days. Checked 22 Oct.
- Yatra: Upto Rs.10000 off · till 31 Dec
- Paytm: Flat Rs.750 off · till 31 Dec
- Zepto: Flat Rs.100 instant discount · till 31 Dec
- MakeMyTrip: Upto 35% Instant Discount · till 31 Oct
- Cleartrip: 25% off · till 31 Oct
These are HSBC's own offers and Mastercard network offers, so they apply to every HSBC Mastercard card, not just this one. All HSBC offers by category.
More about the HSBC Premier MasterCard Credit Card
Is the HSBC Premier MasterCard Credit Card worth it in 2026?
The HSBC Premier MasterCard Credit Card offers 3 Reward Points for every Rs.100 spent and up to 12X points on hotel spends, making it valuable for frequent travelers. With unlimited complimentary domestic and international lounge access and fee waivers for HSBC Premier customers, the Rs.12,000 joining fee and Rs.20,000 annual fee can be justified by active users.
Who should get the HSBC Premier MasterCard Credit Card?
This card is ideal for premium users who travel frequently and spend significantly on hotels, flights, and car rentals. HSBC Qualified Premier customers benefit from fee waivers, making it suitable for high-net-worth individuals seeking luxury travel perks and high reward points.
How to maximise rewards on the HSBC Premier MasterCard Credit Card?
To maximise rewards, focus on spending on hotels to earn up to 12X Reward Points and flights for up to 6X points. Additionally, use the card for car rentals to earn 2X points and for all other purchases to earn 3 Reward Points per Rs.100 spent.
Is the HSBC Premier MasterCard Credit Card good for international travel?
Yes, it offers unlimited complimentary international airport lounge access and rewards up to 6X points on flight spends. These benefits make it highly suitable for frequent international travelers seeking comfort and high reward accumulation.