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Credit Cards

Card Type Reward Features Detail
HSBC Premier World MasterCard®


Premier

HSBC Premier Rewards
Exclusively for HSBC Premier clients§ – the card for those who call the world home!

  • No foreign transaction fees on card purchases made in a foreign currency
  • Earn 1 Point for every new net dollar in credit card purchases, with no Points expiration or earnings cap
  • Earn double Points on all new net purchases for the first six months from your Account open date
  • Flexible rewards that suit your lifestyle including vacation packages, shopping, dining, entertainment and cash back
  • Fly anywhere anytime on most major airlines with no blackout dates or seat restrictions
  • No pre-set spending limit‡‡
HSBC Platinum MasterCard® with Cash or Fly


Cash Back

HSBC Cash or Fly Rewards

The HSBC Platinum MasterCard® with Cash or Fly Rewards comes with many benefits including:
  • 0%* Introductory APR on card purchases and balance transfers for 12 months. After that, a variable APR between 12.99% and 18.99% will apply*
  • 1 Point for every new net dollar spent on card purchases redeemable for travel rewards or 1% cash back
  • Travel credits with as little as 7,500 Points on almost any major airline, with no blackout dates
  • Platinum MasterCard Benefits††
HSBC Platinum MasterCard®


Cash Back

HSBC Non-Rewards

The non-rewards HSBC Platinum MasterCard comes with many benefits, including:
  • 0%** Introductory APR on card purchases and balance transfers for 12 months. After that, a variable APR between 11.99% and 17.99% will apply**
  • MasterRental® Insurance Coverage††
  • MasterCard Travel Assistance Services††
  • 24-hour toll-free assistance with lost or stolen cards, emergency card replacement and emergency cash advances††

§ HSBC Premier World MasterCard®: 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 information about the costs and benefits of the card described is accurate as of 03/01/2012. The variable Purchase APR applies to credit card purchases and is 9.99%. The variable Balance Transfer APR applies to balance transfers and credit card checks and is 9.99%. The variable Cash APR applies to cash advances and is 21.99%. Your APRs may increase to the variable Penalty APR of 27.24% if you fail to make a minimum payment to us when due. These APRs will vary with the market based on the Prime Rate. For each billing cycle, variable APRs are calculated by adding a specified amount ("Spread") to the U.S. Prime Rate published in the Money Rates table of The Wall Street Journal that is in effect on the last day of the month ("Prime Rate"). If the Prime Rate changes, the new APRs will take effect on the first day of your billing cycle beginning in the next month. The Minimum Interest Charge is $0.50. A Cash Advance Fee of either $5 or 3%, whichever is greater, $50 maximum, will apply on each cash advance transaction. A Balance Transfer Fee of either $5 or 3%, whichever is greater, $50 maximum, will apply on each balance transfer and credit card check. There is no Annual Fee, Overdraft Transaction Fee, or Foreign Transaction Fee.

We may change the terms on your Account. This may include changing, adding, or removing terms. We may do this in response to the legal, business, competitive environment or other reasons not listed here. We may increase the interest rate on existing balances in limited circumstances. Changes to some terms may require at least 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Account.

‡ During the first six months your Account is open, you will receive Double Points on new, net retail purchases. Otherwise, you will earn one Point for every dollar changed in new, net retail purchases to your HSBC Premier World MasterCard. Please refer to the HSBC Premier World MasterCard Terms and Conditions, which will be supplied to all new cardmembers following the receipt of their card.

‡‡ No pre-set spending limit: This does not mean that all charges will be approved. Each time you make a charge, we will evaluate it for approval including charges in excess of your Revolving Credit Line. You must pay the amount that exceeds your Revolving Credit Line by your next payment due date.

* HSBC Platinum MasterCard® with Cash or Fly Rewards: The information about the costs and benefits of the card described is accurate as of 03/01/2012. The 0% Introductory APR does not apply to cash advances. After the Introductory Period, the variable Purchase APR of 12.99%, 15.99% or 18.99%, depending on your creditworthiness, will apply to credit card purchases. After the Introductory Period, the variable Balance Transfer APR of 12.99%, 15.99% and 18.99%, depending on your creditworthiness, will apply to balance transfers and credit card checks. The variable Cash APR applies to cash advances and overdrafts and is 24.99%. Your APRs may increase to the variable Penalty APR of 29.99% if you fail to make a minimum payment to us when due. These APRs will vary with the market based on the Prime Rate. For each billing cycle, variable APRs are calculated by adding a specified amount ("Spread") to the U.S. prime rate published in the Money Rates table of The Wall Street Journal that is in effect on the last day of the month ("Prime Rate"). If the Prime Rate changes, the new APRs will take effect on the first day of your billing cycle beginning in the next month. The Minimum Interest Charge is $1.00. A Cash Advance Fee of either $10 or 4%, whichever is greater, will apply on each cash advance transaction. A Balance Transfer Fee of either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check. An Overdraft Transaction Fee of $5 or 3%, whichever is greater, will apply to the overdraft amount, if applicable. A 3% Foreign Transaction Fee will apply to transactions made in a foreign currency. There is no Annual Fee.

We may change the terms on your Account. This may include changing, adding, or removing terms. We may do this in response to the legal, business, competitive environment or other reasons not listed here. We may increase the interest rate on existing balances in limited circumstances. Changes to some terms may require at least 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Account.

** HSBC Platinum MasterCard®: The information about the costs and benefits of the card described is accurate as of 03/01/2012. The 0% Introductory APR does not apply to cash advances. After the Introductory Period, the variable Purchase APR of 11.99%, 14.99% or 17.99%, depending on your creditworthiness, will apply to credit card purchases. After the Introductory Period, the variable Balance Transfer APR of 11.99%, 14.99% and 17.99%, depending on your creditworthiness, will apply to balance transfers and credit card checks. The variable Cash APR applies to cash advances and overdrafts and is 24.99%. Your APRs may increase to the variable Penalty APR of 29.99% if you fail to make a minimum payment to us when due. These APRs will vary with the market based on the Prime Rate. For each billing cycle, variable APRs are calculated by adding a specified amount ("Spread") to the U.S. prime rate published in the Money Rates table of The Wall Street Journal that is in effect on the last day of the month ("Prime Rate"). If the Prime Rate changes, the new APRs will take effect on the first day of your billing cycle beginning in the next month. The Minimum Interest Charge is $1.00. A Cash Advance Fee of either $10 or 4%, whichever is greater, will apply on each cash advance transaction. A Balance Transfer Fee of either $10 or 4%, on each balance transfer and credit card check, whichever is greater, will apply. An Overdraft Transaction Fee of $5 or 3%, whichever is greater, will apply to the overdraft amount, if applicable. A 3% Foreign Transaction Fee will apply to transactions made in a foreign currency. There is no Annual Fee.

We may change the terms on your Account. This may include changing, adding, or removing terms. We may do this in response to the legal, business, competitive environment or other reasons not listed here. We may increase the interest rate on existing balances in limited circumstances. Changes to some terms may require at least 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Account.

HSBC MasterCard credit cards are issued by HSBC Bank USA, N.A. (referred to as "HSBC", "we", "us" or "our").

MasterCard® and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated

†† Certain restrictions, limits and exclusions apply. Benefits may not be offered in every state. Coverage may be underwritten and managed by companies that are not affiliated with MasterCard, Visa or HSBC Bank USA, N.A. Full details will be sent when you become a Cardmember.