Premier Travel
HSBC · Mastercard
Premier Travel
Why pick it: 0.99% foreign fee and free airport lounge access
Premier travel card: ₱12,500 fee waived with ₱5M TRB, 0.99% FX, about 1 mile per ₱25 overseas/online, 10 Priority Pass visits yearly.
- Score
- 25 /100
- Status
- Limited eligibility
- Annual fee
- ₱12,500
Thin data: the bank does not publish the income requirement. Check with the bank before you apply.
Totoong travel card ito, pero kailangan mo ng ₱5M na naka-park sa HSBC.
Bottom line: Kung may ₱5M ka na sa HSBC at madalas kang bumiyahe, sulit ito. Kung ililipat mo pa ang pera para mag-qualify, hindi.
Read the full take: the math, what's good, what hurts
Pagkatapos ng foreign fee (0.99%), ang typical household (~₱825k a year) ay may ~₱7,500 na rewards at ~₱5,000 na travel value. Free ang first year; mula year 2, ₱12,500 ang fee, pero waived ito habang hawak mo ang ₱5M total relationship balance (TRB) na kailangan din para makakuha ng card, per the page. Hindi kasama ang card sa open-card ranking kasi limited ang pwedeng mag-apply. Sa lahat ng cards, #104 ito mula sa 170; 25 ang score.
The numbers in this take are our estimates for a typical household, not bank policy. Check fees and waivers with the bank.
What's good
- Low foreign fee (0.99%): 0% mula sa HSBC, plus ang Mastercard cross-border fee.
- Free airport lounge access and airport transfers via the Life's Premier app, per the page.
- 4 bonus points per ₱20 sa foreign-currency spend.
- Free ang travel insurance kapag binayaran mo ang fare gamit ang card.
What's bad
- Premier clients lang, at ₱5M ang TRB na kailangan.
- Per the HSBC rewards T&Cs 2(e) at 3(a), base 1 point per ₱20 lang ang peso online, at hindi nag-e-earn ng bonus points ang drugstores, education at utilities.
- Naka-cap sa ₱60,000 a month na spend ang accelerated points.
The catch: The page doesn't state the number of free lounge visits (10 a year ayon sa data) or the insurance amount. May ₱3M din sa eligibility section ng data na hindi namin makumpirma, kaya mag-confirm sa bank.
Rechecked on the bank page on 2026-10-24. Not on the page: number of free lounge visits; insurance amount; how the ₱1,920 monthly cap in our data maps to the ₱60,000 spend cap; whether the TRB bar is ₱5M or ₱3M (our data row notes both). Our opinion, based on published terms. Not financial advice. The bank decides approval.
The take above is written for a typical household spending about ₱825,500 a year. Get your own score in 60 seconds.
- Yearly value for a typical household:
- about ₱12,500 in rewards (₱7,500) and travel value (₱5,000), before the ₱12,500 annual fee (rarely waived at this fee level)
- To qualify:
- Not published; HSBC Premier clients only; card requires ₱5M Total Relationship Balance (limited eligibility)
- Deposit with the bank:
- Needs ₱5M with HSBC
- Bank service:
- About typical.
First year
- Annual fee:
- First-year annual fee waived.
Bank details as of Oct 23, 2026. Offers change; confirm on the bank's page before you apply. None of this changes the card's score.
Score breakdown, fees, rewards and perks
Score breakdown
- Yearly value7 / 63
These bars compare each part with other cards on its own, so they don't add up to Yearly value. How it is scored
- Rewards on the default spend16 / 37
About ₱7,500 a year in rewards on the typical household's spend, after caps and the foreign fee on foreign online spend. How the bars work
- Annual fee after waivers0 / 16
A ₱12,500 fee that banks rarely waive at this level. How the bars work
- Travel and perks on the default spend7 / 10
About ₱5,000 of travel value on one trip abroad a year, after the 0.99% foreign fee. It includes lounge visits (each person in a household of three who gets in counts). How the bars work
- Promos and 0% installments6 / 15
0% installment network: fair. Promos: weak, judged by what a typical household would likely save from the promos this card gets, past and current, with 17 live promos tracked. How it is scored
- Points flexibility7 / 10
3 airline partners, and points that expire. How it is scored
- Credit limit and upgrade path2 / 5
No standard card level. The score also reflects how HSBC handles credit limit increases and card upgrades. How it is scored
- App and service3 / 5
Banking app: strong. Service: about typical. How it is scored
- Late fee0 / 2
A late fee of ₱1,500 for one missed payment, or the unpaid minimum due if that is lower. How it is scored
On the default spend: about ₱7,500 a year in rewards and ₱5,000 in travel value.
Score over time
Total score and tier on each data date, on the default spend.
- Between Oct 24 and Oct 26 the scoring method changed (2 changes), so part of that move is the method, not the card.
- Between Oct 26 and Oct 27 the scoring method changed (10 changes), so part of that move is the method, not the card.
- Between Nov 2 and Nov 4 the scoring method changed (a card with a higher income minimum for first-time applicants is no longer left out), so part of that move is the method, not the card.
- Between Nov 10 and Nov 11 the scoring method changed (3 changes), so part of that move is the method, not the card.
- Method changes
Fees and who can apply
- Annual fee
- ₱12,500
- Supplementary fee
- ₱0
- Fee waiver
- Rarely waived at this fee level
- Foreign transaction fee
- 0.99%
- Minimum income
- Not published
- Also needs
- HSBC Premier clients only; card requires ₱5M Total Relationship Balance
Rewards
For HSBC Premier clients. 4 points per ₱20 on foreign-currency spend and 3 points per ₱20 on local dining and shopping. Caltex fuel earns a 3% rebate (6% on your first), up to ₱600 a month. Drugstores, education and utilities earn no points.
Caps: ₱600 per month (fuel); ₱1,920 per month (dining, department stores, online shopping, foreign online spend, airfare, hotels, spending abroad)
- Type
- Points
- Points expiry
- 36
- Airline partners
- Asia Miles, KrisFlyer, PAL Mabuhay Miles
Travel perks
- International lounge visits
- 10 a year
- Local lounge
- None
- Travel insurance
- None
Strengths
- Low FX fee (0.99%)
- 10 free international lounge visits a year
Watch out for
- ₱12,500 annual fee; a waiver is not guaranteed
- Rewards on fuel capped at ₱600 a month
Live and upcoming promos (17)
As of Nov 11, 2026. Check each promo's source before you rely on it.
- HSBCEnds Jan 31, 2027All HSBC credit cards
- HSBCEnds Jan 31, 2027All HSBC credit cards
- HSBCEnds Jan 31, 2027All HSBC credit cards
- MastercardEnds Mar 31, 2027Register firstAll Mastercard cards, any bank
- HSBCEnds Dec 26, 2026All HSBC credit cards
Show 12 more
- HSBCEnds Dec 31, 2026All HSBC credit cards
- HSBCEnds Dec 26, 2026All HSBC credit cards
- HSBCEnds Dec 30, 2026All HSBC credit cards
- HSBCEnds Nov 30, 2026All HSBC credit cards
- HSBCEnds Dec 14, 2026All HSBC credit cards
- HSBCEnds Jan 31, 2027All HSBC credit cards
- HSBCEnds Dec 20, 2026All HSBC credit cards
- HSBCEnds Dec 31, 2026HSBC Mastercard cards
- MastercardEnds Jan 31, 2027All Mastercard cards, any bank
- MastercardEnds Jan 31, 2027All Mastercard cards, any bank
- HSBCEnds Dec 31, 2026All HSBC credit cards
- MastercardEnds Dec 31, 2026All Mastercard cards, any bank
What cardholders say (0)
Individual accounts, read by us before they appear but not checked with the bank. They never change this card's score.
No cardholder posts yet.