# HSBC Premier

HSBC · Mastercard. lifetime free · 0.99% forex · 3 RP / ₹100.

community-verified · checked 20 June 2026

## How it earns (3)

- 3 RP / ₹100 · community-verified
- 12X HSBC Travel With Points · hotels (36 RP/₹100, cap 18K RP/mo) · cap 18,000 points per month · community-verified · checked 24 June 2026
- 6X HSBC Travel With Points · flights (18 RP/₹100, cap 18K RP/mo) · cap 18,000 points per month · community-verified · checked 24 June 2026

## On gift vouchers

- ₹300 back on a ₹10,000 voucher bought direct. · Counted as points for travel; ₹75 if they are cashed out. · 3 RP / ₹100

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## What earns nothing (1)

- Wallet-load gift cards may not earn RP · brand vouchers earn base

## Lounges (1)

- Unlimited international visits through LoungeKey, with 8 guest visits a year on the primary card, and unlimited domestic visits on the Mastercard India programme. The programme runs to 31 Dec 2026. · LoungeKey (international) + Mastercard India (domestic) · domestic and international · unlimited · +8 guest · checked 21 October 2026

## Statuses it opens (2)

-  tr-epi-base · enrolment needed · verified · checked 7 July 2026
- GHA Discovery GHA Discovery Platinum · enrolment needed · ✓ official · checked 19 July 2026

## Transfer partners (17)

- AirAsia Rewards Points · 1 : 3 · ~3-5 days · verified · checked 7 July 2026
- ALL Reward Points · 1 : 1 · 2-3 days · ✓ official · checked 17 July 2026
- Avios (BA Club) · 1 : 1 · ~3-5 days · verified · checked 7 July 2026
- Avios (Qatar Privilege Club) · 1 : 1 · ~3-5 days · verified · checked 7 July 2026
- Etihad Guest Miles · 1 : 1 · ~3-5 days · verified · checked 7 July 2026
- IHG One Rewards Points · 1 : 1 · ~3-5 days · verified · checked 7 July 2026
- JAL Mileage Bank Miles · 1 : 1 · ~3-5 days · verified · checked 7 July 2026
- KrisFlyer Miles · 1 : 1 · instant · verified · checked 13 June 2026
- Lotusmiles (Vietnam Airlines) · 1 : 1 · ~3-5 days · verified · checked 7 July 2026
- Maharaja Points · 1 : 1 · ~5 days · verified · checked 13 June 2026
- Marriott Bonvoy Points · 1 : 1 · ~3-5 days · verified · checked 7 July 2026
- Qantas Frequent Flyer Points · 1 : 1 · ~3-5 days · verified · checked 7 July 2026
- Royal Orchid Plus Miles · 1 : 1 · ~3-5 days · verified · checked 7 July 2026
- Wyndham Rewards Points · 1 : 1 · ~3-5 days · verified · checked 7 July 2026
- Miles&Smiles Miles · 2 : 1 · ~1 day · community-verified
- United MileagePlus Miles · 2 : 1 · ~3-5 days · verified · checked 7 July 2026
- Shangri-La Circle Points · 5 : 1 · ~3-5 days · verified · checked 7 July 2026

## Fees

- Annual fee: Lifetime free
- Forex markup: 0.99%
- DCC markup: Not published
- Earns: HSBC Reward Points · ₹0.5 a point at baseline

## Dated changes (2)

- Improvement · 15 August 2026: HSBC charges no forex markup on its credit cards until 31 October (https://getbrief.cards/changes#hsbc-zero-forex-2026)
- Improvement · 12 December 2023: Mastercard World-tier cards fast-track to GHA DISCOVERY status (to 31 Dec 2026) (https://getbrief.cards/changes#gha-mc-fasttrack-2026)

Every change, dated: https://getbrief.cards/changes

---

Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

All cards: https://getbrief.cards/cards
Canonical: https://getbrief.cards/cards/hsbc-premier