HSBC Platinum MasterCard with Cash or Fly Rewards details | HSBC
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A credit card with rewards to suit your needs
Travel or cash back? It's your choice.
When you opt for HSBC's Platinum MasterCard® with Cash or Fly Rewards, your card will take you even farther on life's journeys. In addition to all the benefits of the HSBC Platinum MasterCard® , you will earn Reward Points that can be used towards your choice of cash back or air travel rewards with the HSBC Platinum MasterCard® with Cash or Fly Rewards.
Competitive everyday rates
- No annual fee1
- No foreign transaction fees1 on card purchases made in a foreign currency
- 0%1 Introductory APR on credit card purchases and balance transfers for 12 months from Account opening. After that, a variable APR of 12.99%, 16.99% and 22.99%1, will apply
- Additional cards for family members at no additional cost1
Cash or Fly Rewards
New HSBC Platinum MasterCard with Cash or Fly Rewards customers can earn 2X Reward Points on all purchases for the first six months from the account open date. Afterwards, you will earn one Reward Point, for every $1 in new, net retail purchases. Your Points never expire, and there's no limit to the amount of Points you can earn. How you use your Points is up to you.
- Redeem Points for 1% cash back or
- Fly anywhere, anytime on just about any airline, with no blackout dates or seating restrictions. You can travel with as few as 7,500 Points on almost any major airline.
- $0 Liability, Online Guarantee on unauthorized purchases
- Purchase Protection on purchases that are stolen or damaged
- Identity Theft Resolution provides you with an ID Theft Affidavit should you become the victim of Identity Theft
Travel with extra coverage2
- Roadside Assistance should your car need to be towed or repaired
- Travel Assistance Services for help with lost/stolen travel documents and luggage, a network of physicians and attorneys worldwide
Summary of Terms can be accessed here.
1 The information about the costs and benefits of the card described is accurate as of 12/22/2014. The 0% Introductory APR offer for 12 months does not apply to cash advances and overdrafts. After the Introductory Period, a variable Purchase APR of 12.99%, 16.99% and 22.99%, depending on your creditworthiness, will apply to credit card purchase balances. After the Introductory Period, a variable Balance Transfer APR of 12.99%, 16.99% and 22.99%, depending on your creditworthiness, will apply to balance transfer balances 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 either $10 or 4%, whichever is greater, will apply to 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.
2 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. Full details will be sent when you become a cardmember.
HSBC Credit Cards are issued by HSBC Bank USA, N.A.
MasterCard® and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated.
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