HSBC Premier Mastercard Credit Card
Earn 4.2 Reward points per S$1 locally and 6.9 on foreign-currency spending, including eligible overseas education. At the KrisFlyer ratio of 3 points per mile, these are 1.4 / 2.3 miles per S$1.
Benefits & important limits
- Earn 4.2 Reward points per S$1 locally and 6.9 on foreign-currency spending, including eligible overseas education. At the KrisFlyer ratio of 3 points per mile, these are 1.4 / 2.3 miles per S$1.
- Priority Pass access is unlimited for the primary and up to three supplementary cardholders under the benefit valid until 31 December 2026. Present the physical Premier Mastercard and boarding pass; guests cost US$35 each per visit.
- Premier relationship required. Annual fee is waived with at least S$200,000 HSBC Singapore total relationship balance; this is separate from the salary requirement. Limousine privileges have their own relationship and quarterly-spend conditions.
Fees & repayments
- Principal annual fee (GST included)
- S$708.50
- Fee waiver
- Waived for Premier customers with at least S$200,000 total relationship balance.
Interest, late-payment and cash-advance fees are separate from annual fees. Check the current tariff before carrying a balance.
Airport lounge access
Priority Pass access is unlimited for the primary and up to three supplementary cardholders under the benefit valid until 31 December 2026. Present the physical Premier Mastercard and boarding pass; guests cost US$35 each per visit.
Participating lounge directory ↗ · Lounge programme details ↗
Eligibility & work passes
New customers and existing customers with total relationship balance below S$50,000 need S$65,000 yearly income. Existing customers with at least S$50,000 TRB: local salaried S$30,000; local self-employed / commission earners S$40,000. Foreign applicants need S$65,000 in either case. HSBC names EP and S Pass in its documents; passport / pass validity and income documents are required.
Principal age: 21+
Application documents ↗Overseas & FX fees
Foreign-currency purchases attract up to 3.25% in conversion and administrative fees. Rewards do not cancel these charges; overseas SGD and DCC transactions follow separate rules.
Pay in the merchant’s local currency when comparing network conversion. Dynamic Currency Conversion (DCC) uses the merchant’s rate; 0% issuer fees do not promise the interbank rate or remove merchant mark-ups, cash-advance charges or ATM fees.