HSBC India
HSBC Premier World MasterCard Credit Card
Premium Mastercard World with travel rewards and lounge access
₹5,000/yr annual fee · 5x rewards
By FinWiz24 Research Desk · Last reviewed · How we review
FinWiz24 Research Desk
Verified independently against issuer Terms & Conditions
Editorial Team
-
Best for
- HSBC Premier customer
- Frequent international traveller
- Premium cardholder
-
What we like
- 5x rewards on travel spend
- HSBC Premier banking privileges
- 2% reduced forex markup
-
Watch out for
- ₹5,000 non-waiver joining fee
- Spend threshold of ₹5 lakh/year required to waive annual fee
- Higher income requirement
Annual fee
₹5,000/yr
Reward rate
5x
Min. income
₹10,00,000
Forex markup
2%
Lounge access
Domestic + international
Eligibility
₹10 lakh/yr · CIBIL 750+
Reward cap
Not explicitly stated
Welcome benefit
₹5,000 travel voucher on annual spends ≥ ₹5,00,000; ₹10,000 voucher on ≥ ₹10,00,000.
HSBC Premier World MasterCard Credit Card review: premium Mastercard World with high rewards on travel spend, complimentary domestic + international lounge access, milestone vouchers, and HSBC Premier banking privileges for premium customers.
Who is this for
- HSBC Premier customer
- Frequent international traveller
- Premium cardholder
What we like
- 5x rewards on travel spend
- HSBC Premier banking privileges
- 2% reduced forex markup
Watch out for
- ₹5,000 non-waiver joining fee
- Spend threshold of ₹5 lakh/year required to waive annual fee
- Higher income requirement
Issuer
HSBC India is an RBI-regulated entity. See RBI's Master Directions on Credit Cards for the regulatory framework.
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹5,000 | Not waivable |
| Annual fee | ₹5,000 | Waived on annual spends ≥ ₹5,00,000 |
| Renewal fee | ₹5,000 | Waived on annual spends ≥ ₹5,00,000 |
| Forex markup | 2% | Not waivable |
| Late payment | ₹1,300 | Not waivable |
| Cash advance | 2.5% of amount | Not waivable |
| Fuel surcharge | 1% | 1% surcharge waived on fuel transactions between ₹400 and ₹4,000 |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| TRAVEL | 5 Reward Points per ₹100 on travel spend; 3 Reward Points per ₹100 on retail; 2 Reward Points per ₹100 on dining; 1 R… | Not explicitly stated | Redeemable via HSBC rewards portal; air miles conversion to partner airlines |
| All spends | 3.00 | Not explicitly stated | 0.50 |
| DINING | 2.00 | — | 0.50 |
Benefits
-
5x Rewards on Travel Spend Highlight
5 Reward Points per ₹100 on travel spend — high earn rate for premium travellers.
-
Domestic + International Lounge Access Highlight
6 complimentary domestic + 4 international lounge visits per year.
-
HSBC Premier Privileges Highlight
HSBC Premier banking privileges: dedicated RM, priority banking, exclusive events.
-
Lower Forex Markup
2% forex markup (down from 3.5%) on international spends.
-
Milestone Vouchers
₹5,000 travel voucher on annual spends ≥ ₹5,00,000; ₹10,000 voucher on ≥ ₹10,00,000.
Eligibility
- Age
- 21–65 years
- Min. income
- ₹10,00,000
- Min. credit score
- 750+
- Score note
- Good to excellent credit card required
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar (DigiLocker sufficient), salary slip / ITR for self-employed
HSBC Premier World MasterCard Credit Card is the premium Mastercard World tier. It targets HSBC Premier banking customers with travel rewards and exclusive privileges.
Fees and rewards
- Joining fee: ₹5,000 (non-waiver)
- Annual fee: ₹5,000, waived on annual spends ≥ ₹5,00,000
- Rewards: 5 Reward Points per ₹100 on travel; 3 Reward Points per ₹100 on retail
- Forex markup: 2%
Premier benefits
- 5x rewards on travel spend
- 6 domestic + 4 international lounge visits per year
- HSBC Premier banking privileges (dedicated RM, priority banking)
- ₹5,000 milestone voucher on ₹5 lakh spend; ₹10,000 on ₹10 lakh
- 2% reduced forex markup
Eligibility
Minimum annual income ₹10,00,000 (salaried) / ITR-based for self-employed. Good to excellent credit score required.
Card data is compiled from the issuer’s published fee schedules. Last reviewed 2026-09-26.
Step-by-step application guide: Read the HSBC Premier World MasterCard Credit Card apply walkthrough →
Apply for HSBC Premier World MasterCard Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
You may also like
Cards with similar benefits, rewards, or eligibility requirements.
Frequently asked questions
Is the HSBC Premier World MasterCard Credit Card worth it?
What is the annual fee for the HSBC Premier World MasterCard Credit Card?
How does the HSBC Premier World MasterCard Credit Card reward rate work?
What are the eligibility requirements for the HSBC Premier World MasterCard Credit Card?
Does the HSBC Premier World MasterCard Credit Card offer airport lounge access?
← All credit cards · All HSBC India cards · All Mastercard cards
Disclaimer: Card details are based on publicly available issuer schedule of charges. Eligibility and approval are at the issuer’s sole discretion. FinWiz24 does not guarantee card approval or specific terms. Always read the issuer’s terms and conditions before applying.
FinWiz24 may earn a commission from issuer referral links, at no extra cost to you. Our editorial content is independent and not influenced by compensation.