No Problem if You a Premier Ac Holder you get Credit Card from any Bank, I think they just need your Ic only for CC Appl. (Correct me if I'm Wrong) & Hear THIS from OCBC recently...

@xKeneshirox, nobody was questioning nor belittling your ability to manage your own finances. Over here we advise people and it's up to anyone to do what they want at their own risk. However, we are proud to offer offer frank and responsible advice and not anything which serve to push our readers off the personal finances cliff. 

Typically HSBC will offer the Premier Mastercard to their Premier members. However, I'm not sure whether they will still enforce the income checking for those not working. Choice of credit card is up to an individual spending pattern as one want to be rewarded by it but do have in mind the potential debt trap. Often those who fall are those who are in denial and I'll stop here as I don't appreciate nor want you to snap at me as you did with fly126.

As for your question whether HSBC is good or not then ... it's up to you to determine your own spending pattern and match that with a suitable card. If holding that card benefits you (or it's the only bank wanting to offer you a card) then it's alright then. For some of us, it's not the best card (myself included). And if you intend to constantly use it for cross border transactions then you need to note and have in mind the recurring cross border fees that you need to bear. (No discount on this nor it is waiverable)