HSBC Platinum MasterCard with Rewards Credit Card | HSBC
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Rewards that help you see more savings
- Competitive rates
0%† 1 Introductory APR on credit card purchases and balance transfers for the first 12 months from Account opening. After that, a variable APR of 12.99%, 16.99% or 22.99%† 1, will apply. No annual fee† 1 or foreign transaction fee.
- Flexible Rewards
Earn 10,000 Rewards Program Bonus Points after you spend $500 on new, net card purchases in your first 3 months from credit card Account opening. Plus, you will earn one Point for every new, net dollar charged on card purchases3.
- Travel with extra coverage
When you're away from home, you're protected with a package of travel assistance services2.
- Purchase protection everywhere you go
Protect your purchases from theft or damage2 when you use your HSBC Platinum MasterCard® with Rewards3 credit card.
† Summary of Terms can be accessed here.
1 The information about the costs and benefits of the card described is accurate as of 03/03/2015. 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 purchase balances; and 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 Balance Transfer Fee of either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check. A Cash Advance Fee of either $10 or 4%, whichever is greater, will apply on each cash advance transaction. An Overdraft Transaction Fee of either $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.
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 USA, N.A. Full details will be sent when you become a customer.
3 You will receive 10,000 Rewards Program Bonus Points ("Bonus Points"), which can be redeemed for $100 cash back. To qualify and receive the Bonus Points, you must charge the qualifying amount or more in new, net purchases within the first three (3) months from Account opening ("Promotional Period"), using your HSBC Platinum MasterCard® with Rewards credit card. The Bonus Points do not apply to balance transfers, credit card checks, cash advances or overdrafts. Your Platinum MasterCard® with Rewards credit card must be open and in good standing at the time of Bonus Points fulfillment. Allow 4-6 weeks after Promotional Period has ended for Bonus Points to post to your Account.
HSBC Credit Cards are issued by HSBC Bank USA, N.A., subject to credit approval.
MasterCard® and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated.
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