The card is only good for forex transcations.... the rewards are lousy....
but it has no annual fee
home&away discount can be had with premier debit card, so not really an added benefit to their MC
their general service is excellent. you get pretty much everything for free, draft etc, also some branchs have dedicated premier line. you only need to maintain HSBC premier status in one country and you can open HSBC premier accounts in other countries without the minimum requirement.