'Unlimited complimentary lounge access per Cardholder per year permitted' under the Mastercard India Lounge access Program within India (Dec-2025 T&C); product page: 'Enjoy unlimited domestic and international airport lounge access for cardholders'
International visits
unlimited
'Cardholders can avail unlimited complimentary international airport lounge visits in a calendar year' (LoungeKey, 1,400+ lounges outside India)
Programme
LoungeKey
www.loungekey.com/HSBCPremierIndia); pre-authorisation 'Indian Rupees equivalent of USD 3.25 ... reversed within 25 days'; LoungeKey applies only outside India
Network
Mastercard
Terms and Conditions
Spend condition
none - no spend condition in the Premier lounge T&C or service guide; eligibility is holding the card (Premier relationship: TRB INR 50 lakh quarterly per accounts page)
Guests
8 complimentary international guest visits per calendar year, primary card only: 'Guests accompanying Cardholders can avail 8 complimentary international airport lounge visits in a calendar year. Post that ... Indian Rupees equivalent of USD 27 plus taxes per person per visit'; 'No complimentary guest visits are applicable on Add-on cards'. Domestic guest policy: not published (Mastercard T&C says only 'one entry per cardholder')
Beyond your quota
cardholder visits: none (unlimited both). Guests beyond 8 international: USD 27 plus taxes per person per visit. Domestic INR 25 validation authorisation only, not charged
Add-on cards
yes for lounge access: 'available to both Primary and Add-on Cardholders' (service guide Dec 2025); add-on cards get no complimentary guest visits
Issuer notes
T&C PDF dated 18 Dec 2025 (created Feb 2025), 'This programme is applicable till 31 December 2026' for both LoungeKey and Mastercard domestic; service guide PDF dated 11 Dec 2025. CONTRADICTION ON HSBC'S OWN HOSTS: the still-served airport-lounge-access-tnc_B.PDF (Feb 2023, 'applicable till 31 December 2023', EXPIRED) says only '2 complimentary lounge access in a year' internationally and 'maximum of 6 (six) complimentary lounge access per cardholder per quarter' domestically, and the old hsbc-cc-service-guide.pdf at /documents/ (Nov 2023) still says '850 airport lounges ... 2 complimentary lounge access in a year'; the Oct-2020 T&C (expired 31 Dec 2021) says the same. The live product page, the Dec-2025 T&C and the Dec-2025 service guide all say unlimited; the expired documents are superseded. /credit-cards/products/premier-mastercard/ redirects to /premier/ so this is one card. Premier account page (Sep 2026) also states 'unlimited domestic and international airport lounge access, plus guest access too' as a Premier travel benefit.
Sources
The lounge list is the participating-lounge list HSBC publishes for this card. specials.priceless.com
Quotas and conditionscome from the card’s own terms page. www.hsbc.bank.in
What we cannot see: how much of your quota you have already used, a lounge turning people away when full, and temporary closures.
Annual fee is not published on this page. Check the issuer’s MITC.
TMChecked against HSBC’s published document. Tripmojo is not a bank or card issuer and earns nothing when you apply.
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