HSBC Premier World MasterCard card details | HSBC

¹ 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 No pre-set spending limit: This does not mean that all charges will be approved. Each time you make a charge, 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.

³ The information about the costs and benefits of the card described is accurate as of 05/18/2013. 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.

⁴ Provided by MasterCard. 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.

⁵ The 25,000 Bonus Rewards Program Points ("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 Bonus Points offer does not apply to balance transfers, credit card checks, cash advances or overdrafts. Allow 4-6 weeks after the Promotional Period has ended for the Bonus Points to post to your Account.

⁶ The World MasterCard^® Concierge Service is administered by VIPdesk. Certain restrictions, limitations and exclusions may apply. This service is administered by a company not affiliated with HSBC Bank USA, N.A.

HSBC Premier World MasterCard^® credit cards are issued by HSBC Bank USA, N.A. HSBC Premier World MasterCard^® credit card requires an HSBC Premier relationship and is subject to credit approval.

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

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