HSBC Credit Card Rewards

1 How you earn Rewards: You earn Rewards when you use your card to make new purchases (minus returns, credits and adjustments)

2 You can receive Cash Back redemptions as a direct deposit or as a statement credit to your HSBC 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.  Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.

3 All Reward 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.

4 The listed merchants are in no way affiliated with this program, nor are the listed merchants considered sponsors or co-sponsors of this program. Use of merchant names and/or logos are by permission of each respective merchant and all trademarks are the property of their respective owners. Terms and conditions are applied to gift cards/certificates. Please see the merchant's gift card/certificate/website for additional terms and conditions, which are subject to change at merchant's sole discretion, if permitted by law.

Amazon.com: Restrictions apply, see amazon.com/gc-legal

Apple: Beware of gift card scams. Do not share your code. Valid only for U.S. transactions in Apple properties. For assistance, visitsupport.apple.com/giftcard or call 1-800-275-2273. Not redeemable at Apple resellers or for cash, and no resale, refunds, or exchanges, except as required by law. Apple is not responsible for unauthorized use. Terms apply; seeapple.com/us/go/legal/gc. Issued by Apple Value Services, LLC (AVS). © 2020Apple Inc. All rights reserved.

Best Buy: Visit BestBuy.com to find your nearest store location. To check your balance, visitwww.bestbuy.com/giftcardbalance or call 1-888-716-7994.PLEASE TREAT THIS EGIFT CARD LIKE CASH AND SAFEGUARD IT ACCORDINGLY.

For full Best Buy gift card Terms & Condition, visitBestBuy.com/gcterms. BESTBUY, the BEST BUY logo, the tag design, MY BEST BUY, and BESTBUY.COM are trademarks of Best Buy and its affiliated companies.

The Home Depot: Gift Card is valid for the purchase of merchandise/services at any The Home Depot® store in the U.S., Canada and online atHomeDepot.com. Gift Card is not a credit/debit card and is not redeemable for cash or credit unless required by law. Gift Card cannot be applied to any credit or loan balance, Tool Rental Deposits, or for in-home purchases. To replace a lost or stolen Gift Card, visit your local store. Lost, stolen or damaged Gift Cards will not be replaced without proof of purchase. Replacement value is the value of the Gift Card at the time it is reported lost or stolen. Gift Cards purchased with cash will not be replaced unless required by law. Returns for purchases made with this Gift Card are subject to The Home Depot’s Returns Policy (details available at any The Home Depot store) and eligible refunds will be issued in store credit. Gift Card may be deactivated or rejected if fraud is suspected in the issuer’s sole discretion. Check your balance at any The Home Depot store or online. Reload Gift Card value at any The Home Depot store or online at HomeDepot.com. For cross-border redemptions, Gift Card is redeemable at The Home Depot’s applicable local currency exchange rate at the time of redemption. Gift Card is issued by Home Depot Incentives, Inc.© 2019Home Depot Product Authority, LLC. All rights reserved.

Sony Playstation: Your use of this PlayStation®Store card (“Card”) constitutes your acceptance of these terms and any additional terms available at playstationnetwork.com/terms-of-service. Activated Cards can only be redeemed through an SEN master account subject to prior acceptance of the SEN Terms of Service and User Agreement and applicable Privacy Policy available at playstationnetwork.com/terms-of-service. PS4, PS3, PS Vita and PSP systems, personal computers, access to the internet, compatible hardware and software sold separately. Your account will only accept Cards from the country designated on your account. Card is not redeemable for cash, cannot be returned for cash or credit, and may not be used for any other purpose. Card will not be replaced if lost, destroyed, or stolen. Sony Interactive Entertainment LLC, its parent company, affiliated companies and licensors make no express or implied warranties with respect to Card, PSN or the availability of products or services. To the extent permitted by law, your sole and exclusive remedy is the replacement of Card. All rights are reserved. Terms of Card may change without notice. Void where prohibited or restricted by law. For assistance, contactplaystation.com/helpme. “PlayStation”, “PSP”, “PS” Family Logo, “PS4” and “PS3” are trademarks, and “PSN” and the “PSN” Logo are service marks of Sony Interactive Entertainment Inc.

Starbucks: Reload your Card, check your balance and find out how to register and protect your Card balance at participating Starbucks stores, starbucks.com/card or 1-800-782-7282. Your Starbucks Card may only be used for making purchases at participating Starbucks stores. Cannot be redeemed for cash unless required by law. Refunds only provided for unused Cards with the original receipt. This card does not expire, nor does Starbucks charge fees. Complete terms and conditions available on our website. Use of this Card constitutes acceptance of these terms and conditions.

The Starbucks word mark and the Starbucks Logo are trademarks of Starbucks Corporation. Starbucks is also the owner of the Copyrights in the Starbucks Logo and the Starbucks Card designs. All rights reserved. Starbucks is not a participating partner or sponsor in this offer.

Bed Bath & Beyond: For balance inquiries or store locations, call 1-800-GO BEYOND® (1-800-462-3966) This gift card is redeemable for merchandise only and may not be redeemed for cash, except where required by law. This gift card cannot be redeemed for purchase of other gift cards including pre-paid gift cards issued by financial institutions such as Visa®, Mastercard®, or American Express®. This gift card cannot be used for portrait studio services. If a gift card is lost or stolen, a replacement gift card will be reissued with the balance remaining when an original receipt is presented. There are no service fees or expiration dates connected with the use of this gift card. Gift card cannot be redeemed until activated. Gift card can also be redeemed at our other retail concepts or online at bedbathandbeyond.com and buybuybaby.com. PROTECT THIS CARD AND TREAT IT AS YOU WOULD CASH. Scratch below and use PIN# to make purchases online. This gift card is issued by BBB Value Services Inc. ©Liberty Procurement Co., Inc. 

Bed Bath & Beyond® is not a sponsor of this promotion. Terms and conditions apply to gift cards. Bed Bath & Beyond is a registered trademark. © 2018 BedBath & Beyond Inc. and its subsidiaries.

Burger King: The value on this card will not be replaced if the card is lost, stolen, or damaged. This card cannot be redeemed for cash, except where required by law. Use of this card constitutes acceptance of these terms and conditions. Burger King Corporation is not responsible for lost or stolen cards or any unauthorized use. For complete terms and conditions or balance inquiries, call 1-800-522-1278 or visitwww.bkcrowncard.com.

GAP: This gift card is issued by Direct Consumer Services, LLC, a California limited liability company. Gift cards may be redeemed for merchandise in-store an online at any Gap Inc. brand, excluding INTERMIX. Purchases will be deducted from this gift card until the value reaches zero. May not be used or redeemed with certain promotional offers and may not be applied as payment on any account. Additional value maybe added at any Gap Inc. location, excluding INTERMIX. Redeemable for cash when the balance is less than $5 or as required by law. Restricted to use in the USA, Puerto Rico and Canada. For balance inquiries or to report a lost or stolen gift card call 1-800-GAPSTYLE

Lowe’s: This is not a credit/debit card and has no implied warranties. This card is not redeemable for cash unless required by law and cannot be used to make payments on any charge account. Lowe’s® reserves the right to deactivate or reject any Gift Card issued or procured, directly or indirectly, in connection with fraudulent actions, unless prohibited by law. Lost or stolen Gift Cards can only be replaced upon presentation of original sales receipt for any remaining balance. It will be void if altered or defaced. To check your Lowe’s® Gift Card balance, visit Lowes.com/GiftCards, call 1-800-560-7172 or see the Customer Service Desk in any Lowe’s® store. ©2016 Lowe’s, LOWE’S and the Gable Mansard Design are registered trademarks of LF, LLC.

LOWE'S® and the GABLE MANSARD DESIGN are registered trademarks and service marks of LF, LLC.Lowe’s® is not affiliated with HSBC.

Nordstrom: This prepaid gift card is redeemable in Nordstrom and Nordstrom Rack stores in the U.S. and online at Nordstrom.com, NordstromRack.com, and HauteLook.com. This card may not be returned or applied as payment on any account or redeemed for cash except as required by law. For complete terms and conditions or balance inquiry, please visit Nordstrom.com/giftcards, call1.877.283.4045 or inquire in-store at any Nordstrom store register. The purchase or use of this gift card constitutes acceptance of the terms and conditions. We donate 1% of all gift card sales to nonprofit organizations in our communities.

Sephora: Redeemable only for merchandise sold at Sephora locations in the U.S. and Canada, at Sephora.com, on our mobile app and at Sephora inside JCPenney stores. Not refundable or redeemable for cash except as required by law. The value of this card will not be replaced if the card is lost, stolen, altered or destroyed. Does not expire. If your purchase exceeds the balance, you must pay the difference. Card is issued by and is the obligation solely of LGCS Inc. You expressly release Sephora USA, Inc. and its affiliates other than LGCS Inc. for any and all liability with respect to this card. Complete terms and conditions are posted atwww.sephora.com/giftcards. Purchase, use, or acceptance of this card constitutes acceptance of its terms and conditions, which may change. For store locations, orders, or card balance inquiries, please visit www.sephora.com or call 1-888-860-7897. 2017 LGCS Inc. All rights reserved.

Shell: The Shell Gift Card can be used only for purchases of goods and services at Shell locations in the U.S., except territories. The Card cannot be redeemed for cash and no change will be given, except in states that require redemption for cash. Shell Oil Products U.S. and its related companies are not sponsors or co-sponsors of this promotion. If card balance falls below one dollar, pay at the pump may not be available, in which case contact station cashier to access balance or call the number printed on the card for assistance.

Subway: The SUBWAY®Card can be loaded with a dollar value and used to purchase goods and services at participating SUBWAY®restaurants in the U.S. and Canada, and certain online venues. The Card may not be used to purchase other Cards and is not redeemable for cash except where required by law. The prepaid card balance never expires, nor are any fees charged in connection with its use. Check your balance at www.mysubwaycard.com or call 1-877-697-8222. The remaining balance on lost, stolen, or damaged Cards will be replaced only if the Card has been registered and proof of purchase is provided. To register your Card, and for complete terms and conditions, visitwww.mysubwaycard.com. Use of the Card constitutes acceptance of those terms and conditions. This SUBWAY®Card can also be used in conjunction with the Subway® rewards program. For more information and applicable terms and conditions, visit www.mysubwaycard.com. SUBWAY® is a Registered Trademark of Subway IP Inc. ©2017 Subway IP Inc.(artwork) / Value Pay Services LLC (text).

©2017 Subway IP Inc. SUBWAY® is a registered trademark of Subway IP Inc. (“Subway IP”). Subway IP is not a sponsor or co-sponsor of this program. All rights reserved. Subway IP is not liable for actual or alleged claims related to this offer. Use of the SUBWAY® logos or word-marks must be approved prior to use. Terms and conditions of the SUBWAY® Card apply and can be found atwww.mysubwaycard.com

Walmart: For balance inquiry, call 1-888-537-5503 or go toWalmart.com/giftcardsorsamsclub.com. Use this card at any Walmart store or Sam’s Club in the U.S. or Puerto Rico, or on-line at Vudu, Inc., Wal-Mart.com or Samsclub.com. The balance on this card is a liability of Wal-Mart Stores Arkansas, LLC. This card cannot be redeemed for cash except where required by state law. Lost or stolen cards will not be replaced. Walmart may refuse to accept this card and to take action, including balance forfeiture, for fraud, abuse or violations of terms. Terms and conditions subject to change without notice. See Walmart.com for complete terms. Treat this card like cash.

HSBC is not affiliated with Wal-Mart Stores, Inc., Wal-Mart Stores Arkansas, LLC, Walmart.com or any of their affiliates. Wal-Mart Stores, Inc., Wal-Mart Stores Arkansas, LLC, Walmart.com and their affiliates do not endorse or sponsor HSBC’s services, products, or activities. See www.walmart.com/giftcardtermsandconditions for complete gift card terms and conditions.

Charity Choice: Not redeemable for cash or merchandise. Never expires. CharityChoice Gift Cards is a project of Special Kids Fund (501c3, EIN 58-2550249). Special Kids Fund allocates funds to the selected charities, quarterly. Funds are distributed to each of the designated charities in one payment, as a bulk allocation. Keep confirmation of your charity designation and verification of your order from your rewards program for your records. Ask your tax advisor as to your eligibility for a tax deduction.

5 The listed merchants are in no way affiliated with this program, nor are the listed merchants considered sponsors or co-sponsors of this program. Use of merchant names and/or logos are by permission of each respective merchant and all trademarks are the property of their respective owners. Terms and conditions are applied to gift cards/certificates. Please see the merchant's gift card/certificate/website for additional terms and conditions, which are subject to change at merchant's sole discretion, if permitted by law.

6 Online travel booking platform, powered by Priceline Partner Network, allows you to easily redeem  Rewards for any kind of travel with Priceline, Booking.com or Agoda - from flights, hotels, vacation rentals and rental cars.

7 If you designate an Authorized User, a credit card will be issued in that person's name. You will be solely responsible for all charges and transactions made by the Authorized User, and the Authorized User will have no liability to HSBC Bank USA, N.A. for those charges and transactions.  For HSBC Elite World Elite Mastercard® credit card accounts, a $65 annual fee applies for each authorized user added to the account, see your Account Terms for details.

8 The promotional period for this offer is 12/7/2023 to 1/3/2024 11:59p.m. ET. Eligible Cardmembers will receive 25% bonus Avios for HSBC Elite World Elite Mastercard® or HSBC Premier World Mastercard® Credit Card Rewards Program Points transferred to Avios during the promotional period. Bonus Avios will be awarded separately from the original transaction and will be credited to the customer within 7–10 business days. 

You must have a membership with British Airways Executive Club, AerClub and/or Iberia Plus (“Participating Airline”) to participate in this offer.  These are the loyalty programs of British Airways, Aer Lingus, and Iberia, respectively.   To transfer Points to British Airways, you must be enrolled in the British Airways Executive Club. Visit ba.com/enrol to enroll. Avios are redeemed in accordance to the British Airways Executive Club Terms and Conditions, which can be found at www.britishairways.com/executive-club/terms-and-conditions.  To transfer Points to Aer Lingus, you must be enrolled in AerClub.  Visit aerlingus.com/aerclub to enroll. To transfer Points to Iberia, you must be enrolled in Iberia Plus. Visit iberia.com/us/iberiaplus/register to enroll. 

Before you redeem your Points, please read the Terms and Conditions, Security and Privacy Policy of the Participating Airline’s website, which may differ from the Terms and Conditions, Security and Privacy Policy of HSBC Bank USA, N.A. Once you have redeemed your Points to Avios, they become subject to the Terms and Conditions of the British Airways Executive Club, AerClub or Iberia Plus, respectively. Transactions cannot be reversed. All Terms and Conditions of each Participating Airline apply. Each Participating Airline reserves the right to withdraw or cancel the offer or modify or alter the Terms and Conditions of the offer at any time without assigning any reason whatsoever.

9 Reward bookings are subject to availability and cannot be waitlisted. Taxes, fees and carrier charges apply. In addition to your Avios, the only cash amount required for Reward Flights is to cover the taxes, fees and carrier charges. Your chosen date of travel will determine whether you pay a peak or off-peak Avios amount. When booking Reward Flights, you can choose all peak dates, all off-peak dates or a mixture of the two. The taxes, fees and carrier charges will vary dependent on airline, class of travel and destination and will be calculated when you book your flights.

Mastercard and Mastercard Pay with Rewards are registered trademarks of Mastercard International Incorporated.

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