HSBC Credit Card Rewards Program

How to earn Points: HSBC Premier World Mastercard® or HSBC Elite World Elite Mastercard® credit cardholders earn points on new purchases (minus returns, credits, and adjustments) that post to the account. New purchases do not include balance transfers, credit card checks, or cash advances. Earn rate is based on the merchant category code (“MCC”) assigned by Mastercard and is subject to change. HSBC does not control the assignment, definition, or classification of MCC codes and is not responsible for the codes used by merchants. Even though a merchant may sell an item that appears to fit within the listed category, the merchant may not have a code that falls within the categories listed. HSBC is not responsible for the merchant’s transaction description, or the exclusion of merchants within an MCC. Please see HSBC Premier World Mastercard® credit card Rewards & Benefits Guide us.hsbc.com/gtb-premier/ or the HSBC Elite World Elite Mastercard® credit card Rewards & Benefits Guide us.hsbc.com/gtb-elite/ for details.

Rewards Redemptions: All reward options are subject to limited availability and to the applicable terms, conditions and restrictions set by third-party suppliers. HSBC Bank USA, N.A. reserves the right, without prior notice, to replace existing reward items with new items, discontinue any reward item at any time; and substitute any reward with another of equal or greater value where necessary. Redemption levels, point values and reward availability may be amended or withdrawn at any time without prior notice.

You can receive Cash Back redemptions as a direct deposit or as a statement credit to your HSBC Premier World or, Elite World Elite Mastercard 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 account holder are eligible.