HSBC Premier Mastercard Credit Card Review

If you are looking for the best possible credit card benefits at an affordable rate, then you would love the hsbc premier mastercard credit card. It is a lifetime free credit card that comes loaded with premium features and facilities like Free access to airport lounges, complimentary golf rounds, extra points hsbc rewards on every transaction, and lots more. The most attractive part is the forex charges which are just 1.99%. If you are interested in this mastercard card then make sure to read the complete hsbc credit card review to know more about the benefits. 

Who can apply for the hsbc premier credit card?

• Resident Type: Indian. 
• HSBC credit card eligibility criteria for salaried person:
  • Age: 21 to 60 yrs. 
  • Income: Rs.3,00,000 annually. 
• HSBC bank credit card eligibility criteria for self-employed person:
  • Age: 21 to 65 yrs. 
  • Income: Rs.5,00,000 annually. 
• A good CIBIL Score (750 or more) is mandatory to apply for this mastercard credit card.
• The applicant should maintain a total relationship balance of Rs.25,00,000.

As you submit your credit hsbc credit card application, you will get an unique application id. You can later use that to track your hsbc credit card application status from the official hsbc website by entering your application reference number, application form number, mobile number, or date of birth.

What documents are required to apply for an hsbc bank credit card?

• Photocopy of ID Proof (any 1)
  • Aadhar card
  • Voter Card
  • Passport
  • PAN Card
• Photocopy of Address proof (any 1) 
  • Last 6 months bank account Statement
  • Aadhar Card 
  • Driving License 
  • Passport
  • Utility bill
• One recent passport-sized photographs
• Proof of income statement:
  • Salaried Person (any 1)
    • Latest salary slip, (3 months) 
    • ITR(Income Tax Return)
  • Self-employed person
    • Latest Income tax return. 
    • Proof of business
    • Recent audited financial report.

 As per the new rules, all new mastercard credit cards are delivered in an inactive state. So if you want to know about the hsbc credit card activation process then make sure to take a look at our faq page.

What are the HSBC Premier master card credit card fees?

• HSBC premier credit card joining fee: None. 
• HSBC premier credit card annual fee: None. 

What are the hsbc credit card benefits?

• Make transactions more rewarding:

This card offers 2 hsbc credit card reward points on each Rs.100 spent with this card. You can redeem those hsbc credit card rewards into air miles (Intermiles, Singapore Airlines, British Airways) or into hotel points (Taj Inner circle). Those hsbc rewards can be used to get a product from the hsbc rewards redemption catalogue. 

You can check the status of your reward points from the hsbc credit card online banking account.

• Add comfort to your travel:

This hsbc card gives you access to over 850 domestic and overseas airport lounges. Click here for the hsbc credit card lounge access list.

• Enjoy travel benefits like never before:

From time to time, your hsbc premier card comes with exciting travel deals and offers. You can find the latest offers here. 

• Upgrade your lifestyle with unbelievable deals:

This HSBC premium card is packed with tons of attractive lifestyle and entertainment benefits. Click here to find the list of ongoing hsbc credit card offers.

• Make weekends entertaining:

Using this hsbc lifetime free credit card you can get free and discounted access at most of the leading golf courses in India. 

• Get freedom from fuel surcharges:

This hsbc credit card offers a 1% waiver on fuel surcharges across all fuel stations in India. The transaction amount should be between Rs.400 to Rs.4000. You check the status of your earned benefits from your hsbc credit card app.

• Complimentary insurance coverage:

This hsbc bank credit card comes with a complimentary air accidental death coverage of Rs.1 Cr. You can call the hsbc bank credit card customer service number to claim the benefits of the coverage.

• A multilingual concierge service to assist you:

This hsbc bank card comes with a multilingual concierge service to assist you with travel booking, gift delivery, medical services, etc. Call the hsbc premier credit card customer care number to book your free concierge.  

What are the hsbc premier credit card charges?

Particulars	Payable amount
HSBC india credit card cash withdrawal charges	2.5% against the amount, Min Rs.300 (Check your available hsbc credit card credit limit before making a withdrawal)
Finance Charge	2.49% monthly (applicable if the hsbc bank credit card payment is not made within the due date)
HSBC credit card foreign transaction fee	1.99% monthly

How to contact the hsbc credit card customer service department?

• Call the hsbc credit card helpline no: 1800 266 3456 // 1800 120 4722
• Write to the hsbc credit card customer care mail id: complaints.india@hsbc.co.in

100xGain Ratings: 

7.5/10

Pros and cons of this hsbc premier world mastercard credit card:

Pros	Cons
You will get free access to most of the domestic airport lounges. There are also some exclusive lifestyle benefits on this master card credit card. It is a lifetime free card, so you don’t need to think about, ‘How do I waive my credit card annual fee HSBC?’	The rate of earning hsbc credit card points is not that impressive.

Now if you are thinking, ’Which HSBC card is best?’ then make sure to take a look at our hsbc credit cards page.

Final Opinion:

If you are looking for a complete credit card at a low cost then this lifetime free credit card can be a very good option for you. With a free lounge and gold access, and yearlong lifestyle offers, this mastercard world card can add the touch of luxury to the lifestyle that you are looking for. 

But if you are ready to budget an annual fee of Rs. 5000+ then I would recommend you take a look at our top premium credit cards page. You can also compare the alternative card options given below.

Alternative of HSBC Premier Mastercard Credit Card: 

1. AU Small Vetta credit card (Best for reward points and lounge access benefits) 
2. ICICI Make My Trip Platinum Credit Card (Best for travel and movie benefits) 
3. RBL Practo Plus Credit Card (Best for lounge access and reward benefits)