HSBC Premier Credit Card (Premier Mastercard Credit Card)

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)

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')

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

yes for lounge access: 'available to both Primary and Add-on Cardholders' (service guide Dec 2025); add-on cards get no complimentary guest visits

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 The live product page, the Dec-2025 T&C and the Dec-2025 service guide all say unlimited; the expired documents are superseded.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.