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HSBC Premier Mastercard
Premium travel card with unlimited lounge access for the whole family and accelerated miles.
This credit card includes airport lounge access through participating lounge programs. Access eligibility, guest policies, and lounge availability vary by airport and may change over time. Credit card lounge access is not guaranteed and may be subject to capacity limits or restrictions. Learn how credit cards provide lounge access. In summary, lounge access depends on your card, the lounge network, and the specific airport. Learn more about airport lounges.
Last reviewed: . Card information is reviewed against the issuer's official benefit pages periodically; verify all terms on the issuer's site before applying.
The Good
- Unlimited Lounge Access for Primary + 3 Supps
- High Earn Rate: 1.4 mpd (Local) / 2.3 mpd (FX)
- Fee Waived for Premier Customers (S$200k TRB)
- Comprehensive Travel Insurance (Family covered)
The Bad
- High Annual Fee S$708.50 (if not waived)
- Limo benefits require S$12k spend/qtr or S$1.2M TRB
- Guest visits generally chargeable (policy varies)
Lounge Access
1 lounge network included
Guest Policy
Unlimited for Primary & 3 Supplementary Cards
Purchase APR
27.8% p.a.
Credit Score
Excellent (S$65k Income)
Is the annual fee worth it for you?
Set how often you would use a lounge and what one visit is worth to you. We compare that against this card's real SGD 708.50 annual fee. This counts lounge value only, not credits, points, or other perks.
Starting point is a typical day-pass or guest fee. Adjust to match the airports you use.
- Estimated lounge value
- SGD 520/yr
- Annual fee
- SGD 708.50/yr
- Net for your usage
- -SGD 188.50
At SGD 65 per visit, you cover the fee at about 11 visits per year. This card opens 339 lounges we track.
Estimate only, not financial advice. It uses values you enter and excludes statement credits, points, taxes, and guest fees. Lounge access and day-pass prices change; verify with the issuer and lounge before you rely on these numbers.
Limited Time Offer
Up to 60,000 KrisFlyer Miles
Offer Terms & Eligibility:
Spend S$5,000. Valid till 31 Dec 2026.Lounge Networks
1 IncludedAdditional Travel Perks
Lounges HSBC Premier Mastercard Opens
339 lounges tracked across 172 airports, derived from this card's network coverage.
Showing top 12 airports by lounge count. 160 more airports also have at least one lounge this card opens.
Coverage is derived from the lounge networks listed on this card and the lounges AirportLounge.com tracks. Specific lounge access can change without notice; verify on the operator's app or site before you travel.
Popular Airports With Lounges
Priority Pass lounges are available at hundreds of airports worldwide