LIFETIME FREE Mastercard ★ Metal Edition 📡 Contactless NFC

HSBC Premier Mastercard Credit Card

Joining FeeFREE

Annual FeeFREE

Forex Markup 0% ZERO

Application ModeDirect via Bank Website

⚖️ Card Verdict & Target Persona

Who Should Apply

HSBC Premier Banking clients and affluent international travelers seeking 0% forex markup, unlimited global lounge visits with guest passes, 1:1 air mile transfers, and golf passes.

Who Should Avoid

Non-Premier customers or individuals who cannot maintain HSBC Premier banking relationship criteria.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

Complimentary Taj Epicure Membership / luxury welcome dining voucher upon account setup and Premier onboarding

Unlimited Global Lounge Access + 8 Guest Visits

Unlimited complimentary domestic and international airport lounge access for primary cardholders plus 8 international guest visits per year.

0% Forex Markup Worldwide

Zero foreign currency markup fee (0% forex) on all international point-of-sale and online transactions worldwide.

Up to 12X Points on Travel & 30% Off Dining

Earn up to 12X Reward Points on travel bookings via Travel with Points portal + 30% off dining via EazyDiner.

💰 Reward Structure & Point Valuation

1 Reward Points = ₹0.25

Standard Base Earning

3 Reward Points per ₹100 spent on regular domestic retail (0.75% return; 1 RP = ₹0.25)

Accelerated / Partner Rate

Up to 12X Reward Points (12 points per ₹100, 3.0% return) on hotel, flight, and car rental bookings via Travel with Points (capped at 18,000 points/month); 30% off dining bills up to ₹1,500 via EazyDiner; 0% foreign exchange markup on all international spends

Points Validity:36 Months

Redemption Fee: ₹0 (Free)

Redemption Modes: 1:1 Airline Miles Transfers (Singapore KrisFlyer, British Airways, Air France/KLM, Emirates), 1:1 Hotel Loyalty Points (Marriott Bonvoy, IHG One Rewards), Direct Statement Cash Credit / Travel Portal Bookings

🚫 No Reward Points / Cashback on:

Fuel Wallet Loads Government Transactions Rent Payments Jewellery Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge VisitsUnlimited complimentary domestic airport lounge access for primary and add-on cardholders

🌐

International Lounge VisitsUnlimited complimentary international airport lounge access worldwide via Priority Pass for primary cardholder + 8 complimentary guest visits per calendar year

⚠️

Spend Criteria: None (Unconditional VIP global access)

⚡ Spend Milestones & Special Perks

Annual Fee Waiver Lifetime Free (₹0)

Complimentary Lifetime Free (LTF) credit card exclusively for HSBC Premier Banking clients maintaining required Total Relationship Balance (TRB)

UPI Payments Support✗ Not Supported

UPI not supported on Mastercard network

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 (Capped at ₹500/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit18 - 65 Years

Min. Monthly Income₹300,000

Min. Credit Score750 CRIF

Employment Typesalaried

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):1.99% per month (23.88% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,200

Official Bank Portal Application

Get the HSBC Premier Mastercard Credit Card

Lifetime Free Card • Zero Annual Maintenance Charges

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Frequently Asked Questions

Yes, the HSBC Premier Mastercard Credit Card is a Lifetime Free credit card with ₹0 joining fee and ₹0 annual renewal fee.