HSBC Premier Mastercard Credit Card

In today's blog, we will provide you with the information about the HSBC Premier Mastercard Credit Card, mainly about its welcome benefits, cashback rate, and more. For more information, read below:

The HSBC Premier Mastercard Credit Card is designed to offer a premium experience to individuals who want comfort, convenience, and global recognition in one card. It goes beyond regular credit cards by giving you lifestyle, travel, and financial benefits that make everyday living smoother and international travel easier. Since it’s on the Mastercard network, it is accepted almost everywhere, so you don’t have to worry about accessibility when you travel abroad.

One of the biggest advantages of this card is the travel-related privileges. A highlight is the Apple product privilege, which allows you to buy Apple devices with flexible payment options and special benefits, helping you stay updated with the latest technology while spreading out the cost. You can enjoy complimentary access to airport lounges, insurance coverage for trips, and global emergency assistance that gives peace of mind when traveling outside the country. For frequent flyers or professionals who travel for work, these features can make a real difference. On top of that, the card also brings you special deals on dining, hotel stays, and shopping, which makes everyday spending more rewarding.

More than just a spending tool, this card works like a lifestyle partner. Whether it’s reducing stress during travel, unlocking premium experiences, or providing extra safety through insurance and security features, the HSBC Premier Mastercard Credit Card is about adding real value to both business and personal life.

What Are The Welcome Benefits of HSBC Premier Mastercard Credit Card?

• Welcome Benefit: Epicure membership with offers and benefits across Taj hotels. Taj Experiences gift card worth Rs 12,000. Complimentary EazyDiner Prime annual membership.

1. Epicure Membership (Taj Hotels)

   As a cardholder, you get a complimentary Epicure membership. This gives you access to exclusive discounts, dining offers, and other perks when you stay or dine at Taj Hotels, Resorts, and Palaces across India. For someone who enjoys luxury hospitality, this adds real value.

   
   

2. Taj Experiences Gift Card (Worth INR 12,000)

   You also receive a Taj Experiences gift card worth INR 12,000, which can be used for stays, dining, or spa services at Taj properties. It’s like a prepaid luxury voucher that lets you enjoy Taj services without extra cost.

   
   

3. Complimentary EazyDiner Prime Annual Membership

   Along with hotel benefits, you get a free EazyDiner Prime membership. This comes with guaranteed discounts (usually 25–50%) and priority reservations at some of the best restaurants in India. Perfect for those who love fine dining.

What Is The Cashback Rate of HSBC Premier Mastercard Credit Card?

1. Reward System: Users will earn 3 reward points for every INR 100 spent, 1 reward point = 1 Airmile (for more than 20 Airlines). 

   • Air India – Maharaja Club (1 point = 1 mile)

   • AirAsia – airasia rewards (1 point = 3 miles)

   • Air France–KLM – Flying Blue (1 point = 1 mile)

   • British Airways – British Airways Club (1 point = 1 mile)

   • Etihad Airways – Etihad Guest (1 point = 1 mile)

   • EVA Air – Infinity MileageLands (1 point = 1 mile)

   • Hainan Airlines – Fortune Wings Club (2 points = 1 mile)

   • Japan Airlines – JAL Mileage Bank (1 point = 1 mile)

   • Singapore Airlines – KrisFlyer (1 point = 1 mile)

   • Qantas Airways – Qantas Frequent Flyer (1 point = 1 mile)

   • Qatar Airways – Privilege Club (1 point = 1 mile)

   • Thai Airways – Royal Orchid Plus (1 point = 1 mile)

   • Turkish Airlines – Miles&Smiles (2 points = 1 mile)

   • United Airlines – MileagePlus (2 points = 1 mile)

   • Vietnam Airlines – Lotusmiles (1 point = 1 mile)

2. 1 Reward point = INR 1 for redemption against Apple products. 

3. Reward points cannot be redeemed against a credit card statement or for cash.

4. For Flights (Airmiles):

   1 reward point = 1 airmile. Since HSBC has tie-ups with over 20 airlines, you can convert your points into miles and use them to book or upgrade flights. So, the more you spend, the more free or discounted travel you get.

   
   

   Cheaper Travel: Instead of paying full price for tickets, you can use your accumulated miles to get free or heavily discounted flights. This means your everyday spending (like groceries, bills, or shopping) is helping you save on future trips.

   
   

   Upgrades to Premium: Airmiles aren’t just for tickets; they can also be used to upgrade from economy to business or business to first class. That means a more comfortable travel experience without paying the full upgrade cost.

   
   

   Global Flexibility: Since HSBC has tie-ups with a wide range of international airlines, you don't have to choose one carrier. You can choose flights that actually suit your destination and travel plans.

   
   

   Travel Rewards: Instead of your expenses giving you small cashback or discounts, they’re funding your travel. For frequent travelers, this adds up to big savings every year.

   
   

5. For Apple Products:

   1 reward point = INR 1 when redeeming against Apple products. This is quite strong because if you collect, say, 20,000 points, you can use them like INR 20,000 to buy an iPhone, MacBook, iPad, etc.

   
   

   Here’s how it works step by step to redeem the points for Apple products:

   
   

   • Log in to your HSBC NetBanking / HSBC Rewards portal.

   • Go to “Redeem Rewards.”

   • Select Apple option (vouchers/products).

   • Use your points → e.g., 20,000 points = INR 20,000 Apple voucher.

   • Shop at the Apple Store/Apple Authorized Reseller with that voucher.

   
   

   Expensive Apple Products: Apple items like iPhones, MacBooks, or iPads are costly. If you’ve saved up, say, 20,000 points, you can use them as INR 20,000 off. That makes buying these products much lighter on your pocket.

   
   

   Your Daily Spending: Every time you pay for groceries, bills, shopping, or travel using this card, you’re actually collecting points. Those points later become money you can put toward an Apple product.

   
   

   Easier Upgrades: Apple keeps launching new products. By saving points, you can upgrade to the latest iPhone, iPad, or MacBook without paying the full price, since your points cover the cost.

   
   

Movie Benefits

Buy one, get one offer on BookMyShow.

Dining Benefits

Cardholders will get dining offers with 30% off on their bill (up to Rs 1,250) with EazyDiner.

Other Benefits

Low forex markup of 0.99%.Users will get dining offers with 30% off on their bill (up to INR1,250) with EazyDiner.Cardholders will get exclusive discounts with partner brands.

Lounge Access

Travel Benefits: Users will enjoy unlimited airport lounge access in India and internationally. Additionally, cardholders will also get 8 international guest visits.

Special Features

Complimentary access and discounted fee at select golf courses in India.

Eligibility Criteria

1. Maintain a quarterly Total Relationship Balance1 (TRB) of INR 4,000,000 (Rupees forty lakh only); or

2. Have a mortgage relationship with disbursal of INR 11,500,000 (Rupees one crore fifteen lakh only) or more, with HSBC India; or

3. Hold a corporate salary account under the HSBC Corporate Employee Programme (CEP) 3 in India with a net monthly salary credit of INR 300,000 (Rupees three lakh only) or more into the account.

Fees And Charges:

• Joining fees: NIL

• Annual fees: NIL

• Cash Advance fees: 2.5% of the cash withdrawn or Rs 500. (Whichever is higher)

• Late Payment fees: Charged if the minimum amount due does not reach HSBC within 3 days of the payment due date- Subject to a minimum of `250 and a maximum of `1,200 per month

• Interest charges: 2.49% per month, 29.88% p.a.

How to apply for a Credit Card?

Online: 

• Visit the HSBC India website. 

• Click on the "Credit Cards" tab. Select the "Premier Mastercard® Credit Card". 

• Click on the "Apply Now" button. Fill in the application form with your basic details, such as your name, PAN number, date of birth, father's name, occupation type, company name, marital status, and address details. 

• Submit your application. 

• A representative from HSBC will call you to complete the KYC process. Required documents: PAN card, Aadhaar car,d Income proof (salary slip or Form 16 for salaried individuals, and income tax returns for self-employed individuals) 

• Once your application is approved, you will receive your HSBC Premier Mastercard® Credit Card within a few days.

  
  

Contact Details

HSBC Personal Banking / Credit Cards 1800 267 3456 1800 121 220

Conclusion:

The HSBC Premier Mastercard Credit Card is a premium card designed for people who want comfort, global access, and real value from their spending. What makes it stand out is how it balances lifestyle benefits with financial rewards in a way that feels practical. Whether you travel often, enjoy luxury experiences, or simply want to get more rewards out of your daily spending, this card adds something extra.

One of the strongest parts of the card is its reward system. Every ₹100 spent gives you 3 points, and these points are worth a lot because of how they can be used. You can turn them into airmiles with more than 20 airlines, which means your regular shopping or bill payments slowly build into free or discounted flights. For frequent travelers, this is a huge benefit as it makes trips more affordable, and by passing time, you can also upgrade your class. On the other hand, if you are an Apple fan, those same points can be used like money to buy Apple products. Having the option to use points directly for gadgets like iPhones or MacBooks makes it very different from cards that limit you to gift catalogs or small vouchers.

Beyond rewards, the card comes with airport lounge access, global assistance, and insurance coverage, all of which make travel stress-free. Add to this lifestyle deals on dining and hotels, and the card becomes more than just a way to pay; it becomes a partner in both personal and professional life.

Hence, the HSBC Premier Mastercard Credit Card is ideal for people who travel, invest in technology, and value premium experiences. It turns everyday spending into something meaningful, giving you comfort, savings.

If you want to know the unbiased AI score of the HSBC Premier Mastercard Credit Card, read their detailed review, click here