HSBC Premier Credit Card

Redeem your points, your way!

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 Premier World 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 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 Premier World 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 https://support.apple.com/km207105.

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 or HSBC Premier 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 and HSBC Premier 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, see https://www.us.hsbc.com/credit-card-resource-center/premier/#rewards for additional information.  All third party-trademarks are the property of the respective owners.

9 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.

10 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.

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

HSBC Premier World Mastercard® credit cards are issued by HSBC Bank USA, N.A.

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