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HSBC Premier Mastercard®

Data last updated 27 October 2026
31.80%
Purchase rate
HK$0
Annual fee
800
Bonus points

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HSBC Premier Mastercard® card
Application

CardIQ

58Good

Good

Overall score, out of 100 · How this works

  • Airport lounge54
  • No annual fee77
  • Rewards46
  • Sign-up bonus53
  • Travel59

Customer reviews

No reviews yet. Be the first to review the HSBC Premier Mastercard®.

Pros & cons

What's good

  • 800 bonus HSBC RewardCash to start, worth HK$800.
  • The 31.8% p.a. purchase rate is below the 32% p.a. market median.
  • No annual fee.
  • Complimentary airport lounge access.
  • Earns 2.4 RewardCash dollars per HK$100 on bonus categories.

Worth noting

  • Annual fee permanently waived for both primary and additional cards. No spending requirement.
  • Earns 0.4 RewardCash dollars per HK$100 on everyday spend, below the dataset average.
  • Up to 56 interest-free days on purchases (below the 56-day median).

Card details

The basics

Additional cardholder fee
HK$0 p.a.
Card tier
Platinum
Card type
Mastercard
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
HSBC RewardCash

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
Not published
Minimum income
Not specified
Residency
Not published
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
31.80% p.a.
Purchases
31.80% p.a.

Fees

Additional cardholder fee
HK$0
Annual fee
No annual fee
Cash advance fee
1% of the amount
Foreign transaction fee
1.95%
Late payment fee
HK$300
Over limit fee
HK$90

Repayments

Interest-free period
Up to 56 days on purchases
Minimum repayment
Total fees and charges currently billed to the card statement plus 1% of the statement balance (excluding any fees and charges currently billed) as at the statement date, or HKD300, whichever is higher; plus overdue or overlimit due

Balance transfers

This card has no promotional balance transfer offer.

Introductory purchase offer

This card has no introductory purchase rate offer.

Rewards

Earn rate

Everyday spend
0.4 RewardCash dollars per HK$100
Bonus categories
2.4 RewardCash dollars per HK$100 in bonus categories
Other purchases
None
Overseas spend
None
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
—

Sign-up bonus

Bonus spend required
—
Sign-up bonus
800 points

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Annual feeHK$0Tied for best (1st of 40 cards)
Overseas fee1.95%Top 25% (10th of 40 cards)
Purchase rate31.80%Better than most (11th of 40 cards)
Interest-free days56 daysBetter than most (12th of 40 cards)
Sign-up bonusHK$800Better than most (5th of 11 cards)
Rewards valueHK$144 a yearMiddle of the market (8th of 18 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Questions and answers

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Sources

Credit Card Compare
Credit card statistics for Hong KongHow CardIQ scores cards
Issuer
HSBC