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HSBC Elite Credit Card

Start 2024 with extra Points on health and financial wellness

Bonus Points are available by invitation only and you must enroll. Earn 3X Points (up to $3,000 spend) when you enroll, and use your credit card to pay your utilities, renew your digital subscriptions, make a tax payment, or even pay your medical bills from January 16, 2024, through March 31, 2024.


Welcome to home&Away, a unique program offering valuable benefits here and around the world. Enjoy a variety of offers from worldwide travel, shopping & unique experiences.

2024 Priceless Surprises

Your next purchase could be a chance to win big! From now until September 30, 2024, use your HSBC Credit Card and earn entries for each eligible purchase for a grand prize trip that suits your taste. Your HSBC Mastercard Credit Card could get you closer to your choice of one of the 14 dream destinations! Let your purchases create lasting memories for you.

Everyday Value


Get 2 months of Instacart+ and $10 off your second order each month with your HSBC Elite Credit Card.


New subscribers get $3 off Peacock Premium or $5 off Peacock Premium Plus each month when they use their HSBC Elite credit card to subscribe. Stream new movies from theaters, hit series, exclusive originals, live sports, and more.


Take 3 rides, get a $5 Lyft App credit every month with your HSBC Credit Card.


Complimentary ShopRunner membership for unlimited, free 2-day shipping and free return shipping at 140 online stores.

Get more from your card


Get a discounted 13-month subscription to McAfee Total Protection with your HSBC Elite World Elite Mastercard credit card. Plus, a complimentary TechMate subscription.

$400 in Travel Credits

Up to $400 per year for all airfare, hotels and car rentals booked through HSBC Travel powered by Priceline®

Cell Phone Coverage2

Get reimbursed up to $800 per claim, if your cell phone is stolen or damaged.

Amazon Shop with PointsTM 

Unlock the power of your rewards with Amazon Shop with Points. Redeeming your Credit Card Rewards Points on is easy. Simply link your credit card to Amazon, shop the incredible selection of products, and select HSBC Rewards at checkout to pay with your Points.

Travel the World

Trusted Traveler Credit

Receive one statement credit every 54 months for the $100 Global Entry® application fee or up to $85.00 to cover towards your TSA Precheck Application fee.

Rewards for Miles

Rewards for Miles has expanded to include 11 airlines and 2 hotel partners.

Unlimited Lounge Access

You and one guest get complimentary, unlimited access to 1,000+ airport lounges provided by LoungeKey™

Mastercard Travel Rewards

Get exclusive offers from top brands in over 15 countries outside the U.S. including France, Hong Kong, U.K. and more when you use your HSBC Elite or Premier Credit Card.8

Enhanced Experiences

Priceless Experiences®

Enjoy hidden-gem experiences and special-access events virtually and worldwide.

Priceless Golf®

Play like never before, with priceless offers and global golf experiences.

Concierge Service

A personal assistant ready to help 24/7, worldwide.

MasterRental™ Coverage2


Receive coverage on most rental vehicles when you rent for 31 consecutive days or less with your HSBC Elite Credit Card.

Mastercard Travel & Lifestyle Services™2


You have access to a suite of benefits, amenities and upgrades, preferential treatment and premium travel offers from best-in-class travel companies across hotels, air travel, tours, cruises, car rentals and more.

Travel Medical Insurance


If you have a medical emergency away from home, Travel Services Medical Protection Insurance can help you get the best care.

Unlimited Wi-Fi Access

Enjoy premium WiFi at over a million secure hotspots worldwide with Boingo.

Travel Accident Insurance2

Receive accidental death or dismemberment insurance coverage up to $1 million when travelling.

Trip Cancellation Insurance2

Pays a benefit of up to $1,500 per insured person in the event your trip is cancelled for a covered reason. 

World class rewards

Get rewarded for every purchase you make1.

3× Points on Travel

Earn three Points per dollar spent on new airline, hotel, car rental purchases and more.

2× Points on Dining

Earn two Points per dollar spent on dining purchases. From your daily coffee shop to five star restaurants. 

Enroll to Earn Bonus Points9

Earn 3X points on health and financial wellness from January 16, 2024, through March 31, 2024.

1× Points

Earn one Point per dollar spent on all other purchases.

Your Points can add up quickly1

Monthly Travel Dining Shopping 3X Bonus Gas Total Reward Points
Spend $700 $300 $500 $400 $300 $2,200
Rewards Points 2,100 600 500 1,200 600 5,000

Your Points can add up quickly1

Monthly Spend
Travel $700
Dining $300
Shopping $500
3X Bonus $400
Gas $300
Total Reward Points $2,200
Monthly Rewards Points
Travel 2,100
Dining 600
Shopping 500
3X Bonus 1,200
Gas 600
Total Reward Points 5,000

Monthly spend chart is for illustration purposes only. Your spending and Rewards Points may vary. 

60,000 Points, annually.

Redeem your points, your way!

20,000 Points

Can be redeemed for:

  • $200 Cash Back
  • Golf Equipment
  • $300 trip booked with HSBC Travel

30,000 Points

Can be redeem for:

  • $300 Cash Back
  • $300 Dining Gift Card
  • $450 trip booked with HSBC Travel

50,000 Points

Can be redeem for:

  • $500 Cash Back
  • Robotic Vacuums
  • $750 trip booked with HSBC Travel

Tap & Go® for quick, secure payments

With Tap & Go® contactless payments, your HSBC Credit Card never leaves your hand. It’s not only secure but easier and faster than inserting or swiping your card for payments. 

So the next time you’re racing through a subway turnstile or grabbing a coffee on the way to work, make sure to keep your HSBC Credit Card at the top of your wallet.

You use your phone for everything else, why not purchases?

Add your HSBC Credit Card to a digital wallet and you can simply tap your phone to checkout at participating retailers. It’s quick, secure, and simple to set up. 

Plus, when you pay with mobile, you’ll also make it easier to:

Important documents

Please note: This Cardmember Agreement contains the Terms & Conditions for all HSBC consumer credit card products. For information about your credit card account pricing and fees, contact us via Live Chat at or call the number located on the back of your card.

1 How Points are earned: You earn Points when you use your card to make new purchases (minus returns, credits and adjustments). Rewards Points earn rate applies after any introductory period.  Monthly spend chart is for illustration purposes only. Your spending and Rewards Points may vary. 

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.

You can receive Cash Back redemptions as a direct deposit or as a statement credit to your HSBC Elite World Elite credit card. 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.

2 Certain terms, conditions and exclusions apply. Cardholders need to register for this service. This service is provided by Iris® Powered by Generali. Please see your HSBC Elite World Elite Mastercard® credit card Rewards & Benefits and Mastercard Guide to Benefits brochure for details or call 1-800-MASTERCARD.

3 Apple Pay works with iPhone 6 and later in stores, apps, and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2, and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, see

Apple, the Apple logo, Apple Pay, Apple Watch, iPad, iPhone, Mac, Safari, and Touch ID are trademarks of Apple, Inc., registered in the U.S. and other countries.  iPad Pro is a trademark of Apple Inc.

4 Google Pay is a trademark of Google LLC.

5 Samsung, Samsung Pay, Galaxy S7 and Samsung Knox are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Other company and product names mentioned may be trademarks of their respective owners.  Screen images are simulated; actual appearance may vary. Samsung Pay is available on select Samsung devices.

6 Fitbit, Fitbit Pay and the Fitbit Logo are trademarks, service marks and/or registered trademarks of Fitbit, Inc. in the Unites States and in other countries.

7 Garmin and Garmin logo are trademarks of Garmin, Ltd. or its subsidiaries and are registered in one or more countries, including the U.S. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.

8 As an HSBC Elite credit cardholder, you do not need to enroll or register for the Mastercard Travel Rewards program. This program is available to you automatically, at no additional cost.  Merchants may provide to eligible HSBC Elite Mastercard credit cardholders (“cardholder”) certain discounts, rebates or other benefits on the purchases of goods and services ("Offers") that will be available on the Mastercard Site. Merchants may also have different payment acceptance criteria for online purchases (e.g., debit or prepaid cards may not be accepted). Such Offers are subject to certain Terms & Conditions and may change at any time without notice to you. Payment acceptance criteria is determined by the merchant in its discretion and may be visible on the Merchant website. HSBC or Mastercard will not be liable for any loss or damage incurred as a result of any interaction between you and a merchant with respect to such Offers. Except as set forth herein, all matters, including but not limited to delivery of goods and services, returns, and warranties are solely and strictly between you and the applicable merchants. You acknowledge that HSBC or Mastercard does not endorse or warrant the merchants that are accessible through the Mastercard Site nor the Offers that they provide. If applicable, all offer redemption is dependent on merchant shipping policies and availability to cardholder's shipping address. For all offers that are specified as “unlock additional online offers” cashback is not earned on shipping, handling, tax or the purchase and/or use of gift vouchers, which for avoidance of doubt, includes gift cards, gift certificates, or any other similar cash equivalents. Terms and conditions apply, visit for additional information.  All third party-trademarks are the property of the respective owners.

9 To be eligible for the campaign benefit, you must successfully enroll in the program within the specified enrollment period beginning January 16, 2024 through March 31, 2024.  After you have successfully enrolled, you will be entitled to receive the specified campaign benefit as outlined in the promotional materials. Bonus Points accumulation starts on the date after which you successfully enrolled into the program through the end of the campaign period (March 31, 2024). Bonus points accrue based on the product type at time of enrollment and will not change as a result of an upgrade or downgrade. Please note that the campaign benefit is subject to change or cancellation at the discretion of HSBC Bank USA, N.A. To enroll, you must follow the enrollment instructions provided by HSBC Bank USA, N.A. Any incomplete or inaccurate enrollment information may result in the forfeiture of the campaign benefit. The campaign benefit will only apply to transactions made after successful enrollment and within the campaign period specified in the promotional materials. Transactions made outside of this period will not be eligible for the benefit. Your credit card account must remain open, active, and in good standing to continue receiving the campaign benefit. If your account is closed, inactive, or in default, you may lose eligibility for the benefit. Once you have received the benefit, it cannot be transferred, redeemed for cash, or used in conjunction with any other offers. Enrolling in the campaign benefit is subject to the terms and conditions of the credit card agreement. By enrolling, you consent to receiving communications regarding the campaign benefit and related promotions via email or other means of communication provided by you. HSBC Bank USA, N.A. reserves the right to modify, suspend, or terminate the campaign benefit and its terms at any time without prior notice. By enrolling in the credit card campaign benefit, you confirm that you have read, understood, and agreed to the above terms and conditions.

From January 16, 2024, through March 31,2024, HSBC Elite Mastercard credit cardholders in good standing will earn three (3) Rewards Program Points (one Rewards Program Point and two promotional Points), up to $3,000 after successfully enrolling  in the program on net new purchases (minus returns, credits, and adjustments) made at stores or retailers classified under the following merchant category codes:(MCC 4900) Utilities — electric, gas, water and sanitary,(MCC 5815) Digital Goods—Media, Books, Movies, Music, (MCC 5817)Digital Goods—Software Applications (excluding games), (MCC) 6300 - Insurance sales, underwriting and premiums, (MCC 7997) Membership clubs (sports, recreation, athletic), country clubs and private golf courses, (MCC 8021) Dentists and orthodontists, (MCC 8071)Medical and dental laboratories, (MCC 8099) Medical services and health practitioners — not elsewhere classified, (MCC 9311)- Tax payments. HSBC is not responsible for 1) the merchant’s transaction description, 2) selection of MCC, 3) delays in the merchant submitting the transaction or 4), if the transaction date provided by the merchant differs from your actual purchase date. If at any point during the campaign you are no longer an Elite credit cardholder, you may no longer qualify to receive this offer.

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

HSBC Credit Cards are issued by HSBC Bank USA, N.A.

Mastercard®, Tap & Go and the circles design are registered trademarks of Mastercard International Incorporated.

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