HSBC Advance MasterCard | HSBC

 

HSBC Advance MasterCard® credit card

25,000 Rewards Program Bonus Points1

For new HSBC Advance MasterCard® credit card customers who spend $1,500 or more in new, net card purchases during the first 3 months from Account opening. Plus, a competitive Introductory APR† 2 for the first 12 months from Account opening.

Card Features

No annual fee for qualified Advance or Premier clients† 2

No foreign transaction fees

2X Rewards Program Points

Be rewarded for doing the things you enjoy by earning 2X Rewards Program Points on dining and select entertainment purchases.

Travel Benefits

Make your next trip worry-free with our exceptional travel benefits. Enjoy $1 million travel accident coverage and rental car collision insurance at no extra cost3.

Shopping Benefits

Shop with confidence knowing that your purchases are covered with our valuable protection programs3.

Personal Assistant

MasterCard® Concierge Service4 provides personalized assistance with travel plans, dining reservations and much more.

  • Introductory Offer
    • 25,000 Rewards Program Bonus Points1 for new HSBC Advance MasterCard® credit card customers who spend $1,500 or more in new, net card purchases during the first 3 months from Account opening.
    • 0%† 2 Introductory APR on credit card purchases and balance transfers for the first 12 months from Account opening. After that, a variable APR of 13.49% or 17.49%† 2, will apply.
  • Travel Benefits
    • Know that you are covered should the unthinkable happen. You and your family will be provided up to $1 million in coverage if an accident should occur on a commercial passenger vehicle3.
    • In the event of collision, damage or theft of a rental vehicle, you may be eligible for up to $50,000 in coverage3.
  • Card Features
    • No annual fee for qualified Advance or Premier customers† 2.
    • No foreign transaction fees
  • Shopping Benefits
    • Extended Warranty doubles the original manufacturer warranty up to two additional years3.
    • Price Protection can refund the difference if you buy an item and then see it advertised for less within 120 days3.
    • Purchase Assurance covers the cost to repair or replace eligible items for damage or theft that occurs within 90 days of purchase3.
  • 2X Rewards Program Points
    • Earn 2X Points every day for dining and select entertainment purchases.
    • Redeem Points for airline travel with no blackout dates or seat restrictions.
    • Shop for brand name merchandise including electronics, luggage, kitchenware, sports gear and much more.
    • Browse for gift cards from popular retailers5 or redeem for cash back6.
  • Personal Assistant
    • You can rely on MasterCard® Concierge Service for assistance with a variety of tasks - from making dinner reservations to locating hard-to-find items4.

To apply for an HSBC Advance MasterCard® credit card you must have an existing HSBC Advance7 or Premier8 checking account relationship.

Learn more about HSBC Advance Learn more about HSBC Premier

Summary of Terms can be accessed here

HSBC Advance MasterCard® credit card Guide to Benefits and Terms & Conditions brochure can be accessed here

HSBC Advance MasterCard® credit card Rewards & Benefits brochure can be accessed here

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

2 The information about the costs and benefits of the card described is accurate as of 03/24/2017. The 0% Introductory APR does not apply to cash advances and overdrafts. After the Introductory Period, a variable Purchase APR of 13.49% or 17.49%, depending on your creditworthiness, will apply to credit card purchases; and a variable Balance Transfer APR of 13.49% or 17.49%, 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 25.49%. Your APRs may increase to the variable Penalty APR of 30.49% 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 Balance Transfer Fee of either $10 or 3%, whichever is greater, will apply on each balance transfer and credit card check. A Cash Advance Fee of either $10 or 3%, whichever is greater, will apply on each cash advance transaction. An Overdraft Transaction Fee of either $10 or 3%, whichever is greater, will apply on the overdraft amount, if applicable. A $0 Annual Fee will apply for HSBC Advance MasterCard® credit card Account customers who have a qualifying U.S. HSBC Advance7 or U.S. HSBC Premier8 checking account relationship. A $45 Annual Fee will apply for HSBC Advance MasterCard® credit card Account customers who no longer have a qualifying U.S. HSBC Advance7 or U.S. HSBC Premier8 checking account relationship. The Annual Fee will not be assessed to your credit card Account within the first year of Account opening. There is no Foreign Transaction Fee. See Summary of Terms for details.

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.

3 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. Please see the HSBC Advance MasterCard® credit card Guide to Benefits and Terms & Conditions brochure, which is provided to all new customers following the receipt of their card. The 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.

4 The 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.

5 All Reward option items are subject to limited availability and to the terms, conditions and restrictions imposed by suppliers. New items may replace selections, and certain items may be discontinued at any time, without advance notice. When necessary, HSBC Bank USA, N.A. may substitute a Reward of equal or greater value without advance notice. The customer will be notified of such a change when ordering. Redemption levels, Point values and availability are subject to change without prior notice.

6 Customers can choose to receive cash back redemptions as a direct deposit or as a statement credit on their HSBC Credit Card. If you select cash back as a direct deposit, only HSBC Bank USA, N.A. consumer checking and savings accounts in your name alone or as a joint accountholder are eligible. Please see the HSBC Advance MasterCard® credit card Guide to Benefits and Terms & Conditions brochure, which is provided to all new customers following the receipt of their card.

7 HSBC Advance MasterCard® credit card requires an HSBC Advance or Premier relationship and is subject to credit approval. To qualify for an HSBC Advance relationship, you need to open an HSBC Advance checking account and maintain $10,000 OR at least $5,000 with a recurring direct deposit from a third party to an HSBC Advance checking account at least once per monthly cycle. Business owners may use their commercial balances to qualify for a personal HSBC Advance relationship. A monthly maintenance fee of $20 will be incurred if minimum balance requirements are not met.

8 HSBC Premier World MasterCard® credit card requires a U.S. 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.

HSBC Advance MasterCard® credit cards are issued by HSBC Bank USA, N.A., subject to credit approval and require a U.S. HSBC Advance or Premier relationship. To learn more, speak with an HSBC branch representative.

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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†† Investments, Annuity and Insurance Products:
ARE NOT A BANK DEPOSIT OR OBLIGATION OF THE BANK OR ANY OF ITS AFFILIATES ARE NOT FDIC INSURED ARE NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY ARE NOT GUARANTEED BY THE BANK OR ANY OF ITS AFFILIATES MAY LOSE VALUE

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