HSBC Credit Card Lounge Access: Top Cards and Benefits

When you own an HSBC Credit Card, it offers you multiple advantages. One of the biggest perks is the complimentary HSBC Credit Card lounge access. It allows the card owners to relax and unwind in luxury while they wait for their flights.

Lounge access is complimentary for both HSBC Live+ and HSBC Premier Credit Cards. However, if you wish to own the HSBC Live+ Credit Card, you may need to pay a joining fee of ₹999, whereas the HSBC Premier Credit Card comes with a joining fee of ₹12,000.

In this blog, let us find out the best HSBC credit card options for free airport lounge access.

Top 5 HSBC Credit Cards for Lounge Access

Whether you are vouching for Global Entry through LoungeKey or seeking unlimited access to domestic lounges, HSBC offers multiple credit card options. So, let us see the different possibilities that can make your upcoming journeys a lot more rewarding and comfortable. 

1. HSBC TravelOne Credit Card

Frequent travellers truly love this card as it gives them instant redemption opportunities through a wide network of partner hotels and airlines. Additionally, the TravelOne Card allows you to split your outstanding bills into flexible HSBC installmentplans, enabling you to enjoy your desired lifestyle without compromise.

Joining Fee: ₹4,999 + GST 

Renewal Fee: ₹4,999 + GST

Airport Lounge Benefits: Card users get 4 complimentary international and 6 domestic lounge visits with the Mastercard LoungeKey. 

Welcome Benefits

• You get ₹1,000 flat cashback on spending ₹10,000 within the first 30 days of activating your credit card. 
• HSBC rewards you with a PostCard Hotel voucher of ₹3,000. 
• Finally, you can enjoy 3 months' worth of EazyDiner Prime. 

Other Perks

• The TravelOne card provides a 15% discount on bookings made via Cleartrip, EaseMyTrip, Paytm Travel and Yatra. 
• There is a 10% discount on food orders and event bookings (up to ₹1,000 per month) through Zomato or District app. 

2. HSBC RuPay Cashback Credit Card

If you use this card, you are eligible for both domestic and international HSBC Credit Card lounge access without needing to meet any spending criteria. 

Besides complimentary lounge visits, you earn 1% cashback on all other spending, including UPI payments. However, there is one drawback: an upper cap of ₹400 is set for expenses in the 10% and 1% cashback categories per statement cycle.

Joining Fee: ₹499 + GST

Renewal Fee: ₹499 + GST

Airport Lounge Benefits: You can enjoy 2 free domestic lounge visits every quarter. For international travellers, 2 lounge visits are complimentary each year. 

Welcome Benefits

• Cardholders get ₹500 cashback on total transactions worth ₹10,000 within 30 days of card activation. 
• There is a ₹100 Amazon eGift voucher for online card applicants.
• Each new member gets a 2-month EazyDiner membership upon their card verification. 

Other Perks

• Customers can enjoy a 10% discount on grocery orders placed through Swiggy Instamart (capped at a maximum of ₹200).
• You will not be charged any markup fees for foreign transactions (valid until December 21, 2025).

3. HSBC Live+ Credit Card 

Previously marketed as the HSBC Cashback Credit Card, this card offers a flat 1.5% cashback on all kinds of spending. If you make transactions totalling at least ₹2 lakh using this card, the renewal fee for the following year will be waived.

Joining Fee: ₹999 + GST

Renewal Fee: ₹999 + GST

Airport Lounge Benefits: You can enjoy 4 free domestic lounge visits every year (one per quarter). 

Welcome Benefits

• Cardholders get ₹1,000 cashback on spending ₹20,000 within 30 days of activating the card. 
• Moreover, you are rewarded with a ₹250 e-Gift voucher from Amazon after completing the video KYC process.

Other Perks

• Customers can enjoy a 10% cashback on all types of grocery, food and dining spends.
• Cardholders can access their accumulated cashback quickly, as it is credited to their account within 45 days of the statement generation date.

4. HSBC Premier Metal Credit Card

In addition to the free HSBC Credit Card lounge access, the Premier Metal card offers free golf sessions, as well as travel, shopping and lifestyle benefits. The best part is that if you are a customer of one of the partner banks, your renewal fee is waived.

Joining Fee: ₹12,000 + GST

Renewal Fee: ₹20,000 + GST

Airport Lounge Benefits: You get unlimited free airport lounge access along with 8 instances where you can invite your guests to visit international airport lounges.  

Welcome Benefits

• Users get Taj Epicure and EazyDiner Prime Membership for free. 
• Plus, you can redeem a Taj Experiences Gift Card worth ₹12,000.

Other Perks

• Anyone with the HSBC Premier Metal Credit Card can get 30% off on dining bills through EazyDiner and a Buy-One-Get-One offer on purchases via BookMyShow. 
• There is an option to avail 24 free golf lessons throughout India. 
• Finally, you get 3 reward points for every ₹100 spent. 

5. HSBC Taj Credit Card

For the most exclusive privileges, you can own this HSBC Bank’s luxury credit card. Possessing this card allows you to carry a symbol of prosperity, as its benefits can be redeemed worldwide. High-net-worth individuals primarily use it for a wide range of perks.

Joining Fee: ₹1,10,000 + GST

Renewal Fee: ₹1,10,000 + GST

Airport Lounge Benefits: You get unlimited free airport lounge access along with 8 instances where you can invite your guests to visit international airport lounges.  

Welcome Benefits

• Users get Taj Epicure and EazyDiner Prime Membership for free. 
• Plus, you can redeem Taj Experiences Gift Card worth ₹12,000.

Other Perks

• Anyone with the HSBC Taj Credit Card can enjoy BOGO on BookMyShow movies and discounts at Swiggy, PVR, Zomato and Starbucks. 
• You get a 15% discount on purchases made via Adani One. 
• You become eligible for 4 complimentary chauffeur-driven limousine transfers (per year).  

How to Choose the Best HSBC Credit Card for Lounge Access in India?

Choosing the right HSBC credit card for lounge access in India is all about matching the card's perks with how often you travel and your personal lifestyle. The bank has a range of cards that offer different lounge access options, from unlimited entries to a set number of complimentary visits, so you can find one that fits your needs and eligibility perfectly.

Here’s how to pick the best HSBC credit card for lounge access:

1. Assess Your Travel Habits

Think about whether you need unlimited lounge access or if a limited option works for you. For instance, the HSBC Premier Mastercard and Taj Credit Card provide unlimited access domestically, while the TravelOne card allows for 6 domestic visits each year.

2. Check Eligibility and Fees

Look into the requirements like age (18-65), minimum annual income (₹4,00,000 and above) and where you live. Do not forget to compare the joining and annual fees, along with any options for waiving those fees.

3. Compare Features

Seek out cards that offer additional benefits, such as rewards, dining discounts or other travel perks beyond just lounge access.

4. Apply and Verify Benefits

You can apply online or head to a branch. Once you are approved, make sure to use your card at participating lounges according to the card’s policy (you will need to present your card and a pre-authorisation charge might apply).

By choosing a card that aligns with your travel habits and financial situation, you can enjoy maximum comfort in lounges while getting great value for your money.

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Conclusion

In 2025, HSBC Credit Card lounge access opens the door to a world of comfort and exclusivity for frequent and occasional travellers alike. With options ranging from limited visits to unlimited luxury experiences, HSBC ensures every journey begins in style. Choose the right card based on your travel frequency, lifestyle needs and benefits to maximise your travel experience.

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