HSBC Premier World Mastercard Credit Card

Min. annual incomePreferred clients

Principal annual feeRM0

Card networkMastercardConventional card

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6 visits per yearPlaza Premium Lounge

BEFORE YOU FLY

Airport lounge access

Selected Plaza Premium Lounges

6 visits per year

Plaza Premium Lounge

Use viaPresent physical eligible card; this is not a Priority Pass membership.

Qualifying spend & allocation: No separate retail-spend threshold stated in the linked programme.
Principal / supplementary: Principal cardholder only.
Guests: Accompanying guests age 12+ receive 25% off and children age 3–12 receive 30% off the applicable walk-in charges, paid with the eligible card.
Where it works: Listed lounges at KLIA T1, Singapore Changi T1 / T4 and Hong Kong T1.

July 2026 programme: one complimentary visit per day, up to three hours; benefit available within ten working days of activation.

Entry steps & validity

Active eligible card, matching valid boarding pass and required identity / programme QR code. Admission remains subject to lounge capacity.

July 2026 programme: one complimentary visit per day, up to three hours; benefit available within ten working days of activation.

Official participating lounge list & programme rules ↗

Check the linked card-specific list and your remaining entitlement before travelling. A lounge network logo does not mean every lounge or guest is free; entry remains subject to capacity and local rules.

THE DETAILS

Benefit breakdown

Premier Reward Points

Premier Reward Points
Category	Published earning
Overseas	Up to 10X, plus 5X when monthly Premier eligibility is met
Contactless	8X
Eligible grocery and selected online merchants	5X
Other eligible purchases	1X

The enhanced overseas 15X programme ends 31 December 2026. Bonus-category limits and merchant exclusions follow the issuer programme.

Fees & charges

Principal annual fee: RM0
Supplementary annual fee: RM0; applicable first-year / subsequent waiver conditions remain separate.
Annual-fee waiver: No annual fee.
Retail interest / effective profit rate: 15% / 17% / 18% p.a., based on prompt-payment history.
Cash advance interest / profit: 18% p.a., normally calculated daily without a retail grace period.
Service tax: RM25 for each principal / supplementary card; an annual-fee waiver does not waive this tax.
Cash advance fee: RM8.70 per transaction, plus applicable tax.
Minimum monthly payment: 5% of current balance plus full monthly card-plan instalments and any unpaid prior minimum, or RM50, whichever is higher.
Late payment: Higher of RM10 or 1% of outstanding balance, capped at RM100.
Foreign currency conversion: Visa / Mastercard conversion rate plus 1% bank conversion cost and applicable network transaction fees.
Replacement card: RM50
Retail grace period: At least 20 days when the prior statement is settled in full and the applicable no-cash-outstanding conditions are met.

Requirements

Principal age: At least 21 years
Supplementary age: At least 18 years
Application conditions: HSBC Premier relationship, normally RM300,000 total relationship balance.

Payment plans

Instalment services

Instalment services
Service	How it works
Card Instalment Plan	0% offers at participating merchants; qualifying purchases and available tenures apply.
Balance conversion / transfer	Separate application and approved repayment quote required; not assumed to be interest-free.

Product features

Income documents: NRIC / passport and accepted income evidence such as payslips, EPF, tax assessment and supporting bank statements. Self-employed applicants also need business registration and business statements. Foreign applicants must satisfy the bank’s work-permit / residency requirements.
Rewards validity: Reward Points are valid for three years; airline / hotel transfer ratios and minimum redemptions vary.
Travel insurance and roaming: Mastercard travel cover up to USD500,000 requires eligible fare payment and registration. FlexiRoam offers are separate dated Mastercard benefits, not unlimited free data.

Product disclosure·Card terms·Terms apply

Annual fees exclude applicable tax and transaction charges. Bank approval and current product terms apply.