HSBC Advance MasterCard credit card | HSBC

HSBC Advance MasterCard® credit card

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Learn more about HSBC Advance

Here's to Family, Friends and Life's Simple Pleasures


World-Class Benefits

The best times in life are enriched when you share them with the people you love most. The HSBC Advance MasterCard® credit card can make the good times with family and friends even better with 2x Rewards Program Points on dining and select entertainment purchases. Designed specifically for our HSBC Advance Clients1, the HSBC Advance MasterCard® credit card is accepted at millions of locations around the world. And no foreign transaction fees means you'll save on your purchases abroad. HSBC Advance MasterCard® credit card customers also enjoy:

  • As a new HSBC Advance MasterCard® credit card customer, earn 15,000 Rewards Program Bonus Points after spending $1,500 or more in new, net card purchases in the first three months from Account Opening4
  • No Annual Fee for qualified Advance or Premier customers† 3
  • No foreign transaction fees
  • A variable APR of 13.24% or 17.24%† 3 will apply on card purchases, balance transfers and credit card checks
  • Be rewarded for doing the things you enjoy by earning 2x Rewards Program Points on dining and select entertainment purchases
  • Enjoy access to MasterCard® Concierge Service5, providing assistance with worldwide travel arrangements, dinner reservations, and much more

Unlimited Rewards

HSBC Advance MasterCard® credit card Rewards Program Points never expire and are not capped. You earn two Points for every new, net dollar in dining and select entertainment credit card purchases. For all other types of merchant purchases, you earn one Point for every dollar in new, net card purchases.

Earn 15,000 Rewards Program Bonus Points after spending $1,500 or more in new, net card purchases in the first three months from Account Opening4.

Choose Rewards that suit your lifestyle like dining and entertainment options, music movie or game downloads, cutting-edge electronics or other top-brand merchandise. Or simply enjoy cash back or a variety of other Rewards options.

Concierge Service5

As a valued Advance client, we recognize that your time is valuable and you need easy access to services that can help simplify your busy life. With the MasterCard® Concierge Service5, offered through the HSBC Advance MasterCard® credit card, let us make your dinner reservations, purchase tickets to events, coordinate business arrangements worldwide, locate hard-to-find items, buy and deliver gifts and much more. For convenience, the cost of goods or services can be billed to your HSBC Advance MasterCard® credit card. To learn more, speak to a concierge representative any time, any day, by calling 800.622.7747.

Enhanced Protection

If the unexpected happens while you're at home or traveling abroad, the HSBC Advance MasterCard® credit card provides a safety net. If your card is lost or stolen, you'll have no liability for unauthorized use. You credit card also provides added protection when making everyday purchases.

Travel confidently
  • Enjoy $1,000,000 Travel Accident Insurance7
  • Receive emergency help worldwide with a cash advance or fast temporary HSBC Credit Card replacement6
Shop confidently
  • Enjoy up to 2 years Extended Warranty coverage plus Price Protection for most purchases7
  • Feel safe with $0 liability for any unauthorized purchases
  • Get help restoring your credit, plus expense reimbursement, if your identity is ever stolen with Identity Theft Resolution Services7
One small chip for greater peace of mind
  • HSBC MasterCard® Credit Cards now come with security chip (also known as EMV) and contactless payment technology
  • Security chip-enabled cards contain an encrypted microchip which is difficult to duplicate and provides enhanced protection when used at chip-enabled transaction terminals
  • Security chip payment technology provides you greater payment access as it is the standard in over 80 countries and accepted at 23 million point of sale terminals worldwide
  • HSBC MasterCard® Credit Cards allow you to simply tap your card on "contactless" payment readers at checkout to complete many smaller purchases

Become an Advance client

Apply for an Advance relationship today to become eligible for the HSBC Advance MasterCard® credit card. If you are already an Advance client, log on to Personal Internet Banking to start the credit card application process now.

 

Summary of Terms can be accessed here.

1 To qualify for an HSBC Advance relationship, you need to open an HSBC Advance checking account and maintain combined U.S. personal deposit and investment balances of at least $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 HSBC commercial balances to qualify for a personal HSBC Advance relationship. A monthly maintenance fee of $25 will be incurred if minimum balance or minimum balance with direct deposit requirement is not met.

2 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.

3 The information about the costs and benefits of the card described is accurate as of 05/26/2016. The 0% Introductory APR does not apply to cash advances and overdrafts. After the Introductory Period, a variable Purchase APR of 13.24% or 17.24%, depending on your creditworthiness, will apply to credit card purchases; and a variable Balance Transfer APR of 13.24% or 17.24%, 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 25.24%. Your APRs may increase to the variable Penalty APR of 30.24% 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 $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 Advance1 or U.S. HSBC Premier2 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 Advance1 or U.S. HSBC Premier2 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.

4 The 15,000 Rewards Program Bonus Points ("Rewards 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 15,000 Rewards 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 Rewards Bonus Points fulfillment. Allow 4-6 weeks after the Promotional Period has ended for the Rewards Program Bonus Points to post to your Account.

5 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.

6 Usage restrictions apply to temporary card.

7 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. Full details will be sent when you become a customer.

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

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

Advance eligibility

To qualify for an HSBC Advance relationship, you are required to:

  • Open an HSBC Advance Checking account and
  • Maintain linked combined balances of at least $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

Have a question?

Call our Customer Relationship Center
800.975.4722

Monday - Sunday 7:00am - 12:00am ET
Automated banking available 24/7
Lost Stolen 24/7

TTY: 800.898.5999
Monday - Sunday 7:00am - 12:00am ET

†† 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

Español

Estamos aquí para servirle. Si necesita ayuda en español o inglés, comuníquese con nosotros sin costo alguno al número 888.433.4722. Para llamadas por cobrar fuera de Estados Unidos, comuníquese al número 716.841.4288.

廣東話

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普通话

我们随时为您提供帮助。需要普通话或英语服务,请拨 800.711.8001(北美洲境内免费长途电话)或 716.841.6989(美国以外地区可采用对方付费方式致电)。

Other Languages

We are here to help. For service in all other languages, call us today toll free at 800.975.4722. For collect calls outside the U.S., contact us at 716.841.7212.

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