Privileges and Rewards

Your passport to a world of new experiences

Whether traveling the globe or enjoying the comforts of
home, you need a credit card that lets you live life to the
fullest. The HSBC Premier World MasterCard®, exclusively
for Premier clients¹, offers everything you expect
from a world-class credit card and more:

• No foreign transaction fees on purchases made in a
  foreign currency
• The Home & away privilege program providing exclusive benefits from local merchants in over 35 countries
• Accepted at millions of locations worldwide
• No preset spending limit²
• No annual fee, over-limit fees, or cash advance fees on balance transfers
• 0% Introductory APR on credit card purchases for the first 12 months from account opening³

World-Class Rewards

The Premier World MasterCard has a world-class rewards program that offers unique privileges.

• Earn 1 point for every net dollar in credit card purchases, with no Points expiration or earnings cap.
• Get 1,000 bonus Points with your first credit card purchase
• Choose a reward that suits your lifestyle including once in a lifetime experiences and vacation packages, shopping, dining and entertainment and cash back, or chose to give back with a charitable donation.
• Fly anywhere anytime with no blackout dates or seat restrictions.
• Enjoy exclusive benefits from local merchants at home and around the world in over 35 countries through the Home & away privilege program.

Worldwide Protection

Premier clients have a worldwide safety net should something go wrong while travelling.

• Next-day worldwide card replacement and free emergency cards for you and your family
• Immediate hotline assistance at +1 908 Premier in a financial emergency
• Emergency cash advance up to US $2,000 if your card is lost or stolen
• 100% fraud liability protection for unauthorized purchases
• Identity Fraud Expense Reimbursement*
• Coverage for lost luggage, baggage delay, rental car collision damage waiver and much more*

Protection for Your Family

Your family enjoys the same protection as you do since supplementary cards for family members come with the same emergency assistance and recognition around the world:

• No annual fee for supplementary cards
• Additional cards with individual credit limits that you can control for family members
• Complimentary Identity Fraud Expense Reimbursement* for supplementary cards
• Extended Warranty* that doubles the original warranty time period of a product for up to 12 additional months, Satisfaction Guarantee Coverage* on purchases, Lost or Damaged Luggage Coverage* and Baggage Delay Coverage*, MasterRental Insurance* that provides collision/ damage waiver for car rentals, and more

How to Get the HSBC Premier World MasterCard

In order to get the HSBC Premier World MasterCard credit card you need to begin a Premier Relationship. Apply for Premier now.

If you are already a Premier client, .

Compare HSBC Premier rewards with other credit card rewards

* Provided by MasterCard. Certain terms, conditions, and exclusions apply, and benefits may not be available in every state. Coverage is underwritten and administered by companies not affiliated with MasterCard or HSBC Bank Nevada, N.A. and HSBC Bank USA, N.A. Full details about these programs will be provided when you become a Cardmember.

1. To qualify for an HSBC Premier relationship, you need to open an HSBC Premier checking account and maintain $100,000 in combined U.S. personal deposit and investment balances. Business owners may use their commercial balances to qualify for personal HSBC Premier relationship. A monthly maintenance fee of $50 will be incurred if minimum balance requirements are not maintained. The HSBC Premier World MasterCard is subject to credit approval.

2. No pre-set spending limit does not mean unlimited spending. We may permit you to incur charges (except ATM cash advance transactions) that cause your new balance to exceed your revolving credit line. Each such charge will be evaluated based on Account usage and performance, other account relationships with us and your experience with other creditors. If we authorize such charges, you will be required to pay, as part of your Current Payment Due, the amount by which your new balance exceeds your revolving credit line, including amounts due to purchases, cash advances, Finance Charges, fees, or other charges.

3. Rates are accurate as of 9/17/09. The Introductory APR does not apply to cash advances or balance transfers. After the Introductory Period the variable Customary APR of 6.49% will apply, Minimum Customary APR 6.49%. If you fail to make a payment to us when due, the Introductory APR will increase to the variable Default APR of 23.49%, Minimum Default APR of 23.49%. The variable Cash APR is 19.24%, Minimum Cash APR 19.24%. The minimum Finance Charge is $.50. A 3% ($5 minimum/$50 maximum) Cash Advance Fee will apply to all cash advances, unless otherwise disclosed. We apply payments to lower APR balances before higher APR balances.

We have the right to change your APRs, fees, and other terms at any time, for any reason including, but not limited to, any change in your credit history, credit obligations, Account performance, use of your credit lines with us or any creditor, or our financial return. Any changes will be in accordance with your Cardmember Agreement and applicable law.

HSBC Premier Rewards program rules will be supplied to all new Cardmembers following the receipt of their card.
HSBC Premier World MasterCard® Credit Cards are issued by HSBC Bank Nevada, N.A. or HSBC Bank USA, N.A..
MasterCard and PayPass™ is a registered trademark of MasterCard International Incorporated.
Deposit products offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.