Rates and Rewards | HSBC Advance | HSBC

 

TOGETHER,
WE ADVANCE

At HSBC, we'd never claim to play a starring role in your successes, but we're here to support them in every way we can.

Enjoy preferential rates and personalized rewards

There's no such thing as a typical HSBC Advance1 customer. Which is why we make the effort to understand your needs and how you like to bank. We'll offer you localized offers and rewards that we think you'll be interested in, as well as preferential rates2 on our Advance Deluxe Mortgages7. Because if we want to help you reach your individual goals, we need to treat you like an individual.

  • Reward yourself every time you use your HSBC Advance Mastercard® credit card3

    Some moments in life are truly fulfilling. With an HSBC Advance relationship, you can now be rewarded more for doing the things you love. HSBC Advance Mastercard® credit card customers earn 2X Rewards Program Points on dining and select entertainment purchases and 1X Rewards Program Points on all other purchases.

    Unlimited Rewards4

    Make every day more rewarding

    • For dining and select entertainment purchases – earn 2X Rewards Program Points for every $1 in new, net card purchases. For all other types of purchases earn 1X Rewards Program Point for each $1 in new, net card purchases.
    • There is no limit on Rewards Program Points earned and they never expire
    • Redeem Rewards Program Points for popular gift cards, merchandise, flights on most major airlines12 and cash13 back
    Everyday Value

    Save on purchases and balance transfers

    Enhanced Protection

    Feel more secure at home and abroad

    • Now enhanced with security chip and contactless payment technology
    • Enjoy $1,000,000 travel accident coverage5
    • Enjoy Extended Warranty coverage plus Price Protection for most purchases6
    Learn more about the HSBC Advance Mastercard® credit card
    Go back to Credit Card section

    View Summary of Terms for details on rates, fees and other costs

  • Something different from the standard mortgage

    We know that a home is so much more than bricks and mortar. Whether you're working towards your first home or your next home, we understand that everyone needs a helping hand when making their dream home a reality.

    Advance Deluxe Mortgage6

    With an HSBC Advance Deluxe Mortgage, we not only offer you access to preferred rates2, we also offer:

    • Access up to $3 million in financing
    • A range of fixed and adjustable rate mortgage(ARM)7 options
    • Options to reduce closing costs8
    • Additional rate discount available for clients selecting auto-pay from a U.S. HSBC Advance checking account
    • Mortgage options for international borrowers who have qualifying documentation
    • Includes 1-4 unit family dwellings, second homes, cooperatives, homes in planned unit development, and condominiums
    View Advance Deluxe mortgage rates
    Visit our Home Loans Center
  • Access your home's equity with help from HSBC Advance

    You've worked hard to build equity in your home. If you're ready to start using that equity – whether for home improvement9, school tuition, or other major expenses – we can help.

    Home equity14 that comes with choices

    With a home equity line of credit you'll get:

    • .25% rate discount for HSBC Advance checking customers selecting auto-pay from a U.S. HSBC Advance checking account2
    • Potential tax deductibility – the interest you pay on a home equity line of credit may be tax-deductible10
    Learn more about Home Equity options

To Apply for HSBC Advance:

Call 844.374.9016

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

Discounts and loan amount depend on a specific program and may require certain Advance balances, reserves, equity, and automatic payment from an HSBC U.S. Advance checking account.

3

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.

4

Please refer to the HSBC Advance Mastercard® credit card Guide to Benefits and Terms and Conditions brochure, which will be supplied to all new customers following the receipt of their card.

5

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.

6

To be eligible for an Advance Deluxe Mortgage, you must: (a) be an Advance relationship customer with a U.S. Advance checking account; and (b) have combined U.S. personal deposit and investment balances of at least $10,000 at any member of the HSBC Group located in the U.S. The Advance balances must be fully funded before the closing of the mortgage loan.

7

Interest rate may increase per the terms stated in your adjustable rate note.

8

Option to reduce closing costs through higher interest rates.

9

HELOCs for the purpose of home improvement are not eligible in New Jersey.

10

Consult your tax advisor for details on tax deductibility of interest paid on loans secured by your home.

11

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.

12

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.

13

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.

14

To be eligible for an Advance home equity line of credit, you must be an Advance relationship customer with a U.S. Advance checking account.

United States persons are subject to U.S. taxation on their worldwide income and may be subject to tax and other filing obligations with respect to their U.S. and non-U.S. accounts.

Mortgage and home equity products are offered in the U.S. by HSBC Bank USA, N.A. and are only available for properties located in the U.S. Subject to credit approval. Borrowers must meet program qualifications. Programs are subject to change. Geographic and other restrictions may apply. Discounts can be cancelled or are subject to change at any time and cannot be combined with any other offer or discount.

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

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

PayPass is a trademark of Mastercard International

†† 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

我們隨時為您提供協助。需要廣東話或英語服務,請撥 800.711.8001(北美洲境內免費長途電話)或 716.841.6989(美國以外地區可採用對方付費方式致電)。

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're here to help. For service in any other languages, call us today toll-free at 800.975.4722. If you are calling from outside the U.S. or Canada, please call us collect at 716.841.7212.

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