Credit card comparison - Which Credit Card is best for me? | HSBC

 

 

HSBC Premier
World MasterCard®1

HSBC Platinum MasterCard® with
Cash or Fly Rewards6

HSBC Platinum MasterCard®7

 
Key details      
 
For those who need:

A card for HSBC Premier clients with a rich Rewards Program including a variety of travel benefits tailored to the needs of the discerning traveler2.

A card with a Rewards Program earning Points on every purchase. Earn unlimited Points with no earnings cap or Point expirations and enjoy the flexibility to choose travel or cash back rewards.

A card with a competitive APR on both purchases and balance transfers.

 
Introductory Offers

New Premier World MasterCard customers will earn 25,000 Bonus Rewards Program Points3 after spending $1,500 or more in new, net card purchases in the first three months from Account opening. And after that, earn 1 Point for every new, net dollar in credit card purchases, with no Points expiration or earnings cap.

New HSBC Platinum MasterCard with Cash or Fly Rewards customers can earn double Rewards Points on all new, net card purchases for the first six months from Account opening. Afterwards, you will earn one Point for every new, net dollar in credit card purchases, with no Points expiration or earnings cap.

0%6 Introductory APR on credit card purchases and balance transfers for 12 months from Account opening ("Introductory Period").

0% Introductory APR on credit card purchases and balance transfers for 18 months from Account opening ("Introductory Period").

 
APR

12.99%4 APR on purchases and balance transfers.

After Introductory Period, a variable APR of 12.99%, 16.99% or 22.99%6 will apply.

After Introductory Period, a variable APR of 12.99%, 16.99% or 22.99%7 will apply.

 
Terms

View Summary of Terms

View Summary of Terms

View Summary of Terms

Exclusive Rewards

Discover the possibilities of HSBC Premier Rewards. Earn unlimited Premier Rewards Program Points and redeem them for Airline Travel with no blackout dates or seat restrictions, Rewards for Miles, Cash Back, Merchandise and Gift Cards and Charitable Donations.

It's your choice. Earn unlimited Cash or Fly Rewards Points that never expire. Choose to redeem for Cash Back, or Travel Credit and Airline Travel discounts of up to $1,200 off any airline ticket with no blackout dates or seat restrictions.

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Security Chip and PayPassTM Enabled

Yes


View Details

Yes


View Details

Yes


View Details
 
Foreign Transaction Fees

No foreign transaction fees4 on card purchases made in a foreign country.

No foreign transaction fees6 on card purchases made in a foreign country.

No foreign transaction fees7 on card purchases made in a foreign country.

 
Eligibility

Exclusively for HSBC Premier clients1. Existing HSBC Premier client? Apply Now

To learn more call customer service at 888.662.4722.

Available to HSBC Customers.

Apply Now

Available to HSBC Customers.

Apply Now

 
Additional Benefits      
 
MasterRental® Insurance Coverage9

Yes

Yes

Yes

 
MasterAssist - Travel Assistance Services9

Yes

Yes

Yes

 
24-hour toll-free assistance with lost or stolen cards, emergency temporary card replacement and emergency cash advances9

Yes

Yes

Yes

 
Spending Limit

No pre-set spending limit5

Limits vary

Limits vary


View the HSBC Premier Cardmember Agreement*
View the HSBC Platinum Cardmember Agreement*

1 HSBC Premier World MasterCard® credit card requires an HSBC Premier relationship and is subject to credit approval. 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.

2 HSBC Premier World MasterCard® Guide to Benefits and Terms & Conditions brochure will be supplied to all new customers following the receipt of their card.

3 The 25,000 Rewards Program Bonus Points ("Rewards Bonus Points") offer applies to new, net retail purchases using your HSBC Premier World MasterCard® when you charge the qualifying amount or more, within the first three (3) months from Account opening ("Promotional Period"). The 25,000 Rewards Bonus Points offer does not apply to balance transfers, credit card checks, cash advances or overdrafts. Your Premier World MasterCard® credit card must be open and in good standing at the time of Rewards Bonus Points fulfillment. Allow 4-6 weeks after the Promotional Period has ended for the Rewards Bonus Points to post to your Account.

4 Premier World MasterCard: The information about the costs and benefits of the card described is accurate as of 07/25/2014. The variable Purchase APR applies to credit card purchases and is 12.99%. The variable Balance Transfer APR applies to balance transfers and credit card checks and is 12.99%. 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 $0.50. A Cash Advance Fee of either $5 or 3%, whichever is greater, maximum $50 fee, will apply on each cash advance transaction. A Balance Transfer Fee of either $5 or 3%, whichever is greater, maximum $50 fee, 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.

5 No pre-set spending limit: This does not mean that all charges will be approved. Each time you make a charge (except ATM cash advance transactions), 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. Prior to making purchases above your Revolving Credit Line, consider contacting your Relationship Manager.

6 HSBC Platinum MasterCard® with Cash or Fly Rewards: The information about the costs and benefits of the card described is accurate as of 07/25/2014. The 0% Introductory APR does not apply to cash advances and overdrafts. After the Introductory Period, a variable Purchase APR of 12.99%, 16.99% or 22.99%, depending on your creditworthiness, will apply to credit card purchases. After the Introductory Period, a variable Balance Transfer APR of 12.99%, 16.99% or 22.99%, 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 $10 or 4%, whichever is greater, will apply on the overdraft amount, if applicable. There is no Annual 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.

7 HSBC Platinum MasterCard®: The information about the costs and benefits of the card described is accurate as of 07/25/2014. The 0% Introductory APR does not apply to cash advances and overdrafts. After the Introductory Period, a variable Purchase APR of 12.99%, 16.99% or 22.99%, depending on your creditworthiness, will apply to credit card purchases. After the Introductory Period, a variable Balance Transfer APR of 12.99%, 16.99% or 22.99%, 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 $10 or 4%, whichever is greater, will apply on the overdraft amount, if applicable. There is no Annual 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.

8 The World MasterCard® Concierge Service is provided by Aspire lifestyles. Certain restrictions, limitations and exclusions may apply. This service is administered by a company not affiliated with HSBC Bank USA, N.A.

9 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, or HSBC Bank USA, N. A. Usage restrictions apply to the emergency temporary card. Full details will be sent when you become a customer.

HSBC Credit Cards are issued by HSBC Bank USA, N.A., subject to credit approval.

Deposit products offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.

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

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