All cards / HSBC India
HSBC Premier Mastercard Credit Card
A relationship-gated super-premium travel card bundled with HSBC Premier banking — strong lounge and hotel privileges, but inaccessible unless you already qualify for HSBC's Premier banking tier.
Rates and fees last verified 19 July 2026.
Annual fee
₹20,000
Joining fee
₹12,000
Reward type
points
Base reward rate
3%
Card network
Mastercard
Card tier
Super-premium
Reward rates by category
- Travel36%
- Dining3%
Eligibility
- Minimum credit score: 780
- Minimum monthly income: ₹3,00,000
- Employment: salaried, self-employed
- Age: 18–65
Benefits
- 20,000 bonus reward points on card activation
- Complimentary access to 1,400+ airport lounges worldwide via Mastercard Travel Pass, plus 8 international guest visits/year
- Lost-card liability cover up to ₹3,00,000 for unauthorized use from 24 hours before reporting loss
- 1% fuel surcharge waiver on transactions ₹400–₹4,000
- 30% off (up to ₹1,500) via EazyDiner, 10% savings with District by Zomato, and complimentary upgrades at participating Mastercard Travel & Luxury hotels
- 3 points per ₹100 spent, up to 12X on flights/hotels/car rentals via Travel with Points; points never expire
Pros
- + 1,400+ airport lounges plus hotel/dining privileges
- + 20,000-point welcome bonus, and points never expire
- + Low 0.99% forex markup
Cons
- − Only available to existing HSBC Premier banking customers (₹50L TRB or ₹3L/month salary credit)
- − Very high joining (₹12,000) and annual (₹20,000) fees if Premier criteria aren't maintained
Applying takes you to HSBC India's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.