Top of main content

HSBC Credit Cards

Earn more with your choice of rewards card and get the most of your HSBC relationship.

Enjoy exclusive benefits

Unlimited rewards points with no expiration – apply today.

HSBC Premier Credit Card

Premium travel benefits and rewards

  • 2X Points – on travel

  • 1X Points –  on all other purchases

  • TSA Precheck – $85 credit2 for application fee

  • Travel coverage –Trip Cancellation Insurance, $1 Million Travel Accident Insurance2, lost or damaged baggage coverage

  • Competitive, variable APR of 14.99% to 18.99%3 on Purchases and Balance Transfers

  • No Foreign Transaction Fees

  • No Annual Fee3 for Premier clients

Introductory offer

35,000

Rewards Program
Bonus Points*

*worth at least $400 in air travel, after spending $3,000 in the first 3 months from Account opening1

HSBC Elite Credit Card

The ultimate travel companion

  • 3X Points – on travel

  • 2X Points – on dining

  • 1X Points – on all other purchases

  • 1000+ airport lounges – complimentary membership plus unlimited free lounge visits for cardholder and one guest5

  • Up to $400 in Travel Credits when you book your travel through HSBC Travel

  • Trusted Traveler - You are eligible for either one Global Entry® Application Fee Statement Credit, up to a maximum of $100, or one TSA Precheck Application Fee Statement Credit, up to a maximum of $85, every 54 months2

  • Lyft Credit - Take three rides per month and receive a $5 Lyft Credit (in app)

  • Travel coverage -- lost or damaged baggage coverage, Trip Cancellation Insurance, $1 Million Travel Accident Insurance5

  • Competitive, variable APR of 14.99% to 18.99%6 on Purchases and Balance Transfers

  • No Foreign Transaction Fees

  • $395 Annual Fee6 (plus $65 per Authorized User)

Introductory offer

50,000

Rewards Program
Bonus Points*

*worth $750 in airfare when booked online through HSBC Travel, after spending $4,000 in the first 3 months of Account opening4

To apply for an HSBC credit card, you must have an existing U.S. HSBC Premier checking7 account relationship.

Tap & Go® with any HSBC Credit Card

Tap & Go® contactless payments are faster than swiping or inserting your card for payment. 

It’s easy! 

  • Place – Simply place your HSBC Credit Card close to a contactless payment terminal

  • Hold – Briefly hold your card close to the terminal until it confirms the payment with a green light or beep,

  • Done – Follow the prompts, and you're done!

Did you know? 

We have improved our fraud monitoring so your new credit card no longer requires a signature.

As an HSBC customer, you're automatically enrolled in our fraud alert program.

We have improved our fraud monitoring so your new credit card no longer requires a signature.

See your FICO® Score for free, along with key score factors, on your monthly statement.8

All HSBC Credit Cards are available with Apple Pay®, Google PayTM, and Samsung PayTM.

View the HSBC Premier World Mastercard® credit card Cardmember Agreement

View the HSBC Elite World Elite Mastercard credit card Cardmember Agreement

 

Already a HSBC credit card customer?  Visit our Credit Card Resource Center for questions on our Mobile App, Rewards, Offers, Terms & Conditions and more,  

see https://www.us.hsbc.com/credit-card-resource-center/

 

The 35,000 Rewards Program Bonus Points (“Bonus Points”) offer applies offer applies when you open a new HSBC Premier World Mastercard® credit card and charge the qualifying amount or more in new purchases (minus returns, credits and adjustments) within the first three (3) months from Account opening (“Promotional Period”). The Bonus Points offer does not apply to account upgrades, account transfers, balance transfers, credit card checks, cash advances or overdrafts. Your HSBC Premier World Mastercard® credit card must be open and in good standing at the time of Bonus Points fulfillment. Allow 4-6 weeks after the Promotional Period has ended for the Bonus Points to post to your Account.

2 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. Please refer to the HSBC Premier World Mastercard® credit card Rewards & Benefits brochure and the Mastercard Guide to Benefits or  brochure for full details.

3 The information about the costs and benefits of the card described is accurate as of {{currentDate}}. The information may have changed after that date. To find out what may have changed, call 888.662.4722 (HSBC). A variable Purchase APR applies to credit card purchases and will be 14.99% to 18.99%, depending on your credit worthiness. A variable Balance Transfer APR applies to balance transfers and will be 14.99% to 18.99%, depending on your credit worthiness, for the HSBC Premier World Mastercard® credit card. The variable Cash APR applies to cash advances and overdrafts and is 24.99%. Your APRs may increase to the variable Penalty APR of 29.99% if you fail to make a minimum payment to us when due. These APRs will vary with the market based on the Prime Rate. For each billing cycle, variable APRs are calculated by adding a specified amount ("Spread") to the U.S. Prime Rate published in the Money Rates table of The Wall Street Journal that is in effect on the last day of the month ("Prime Rate"). If the Prime Rate changes, the new APRs will take effect on the first day of your billing cycle beginning in the next month. The Minimum Interest Charge is $1.00. A Balance Transfer Fee of either $10 or 4%, whichever is greater, will apply on each balance transfer. A check fee of either $10 or 4%, whichever is greater, will apply on each check written for purposes other than Balance Transfer. A Cash Advance Fee of either $10 or 5%, whichever is greater, will apply on each cash advance transaction. An Overdraft Transaction fee of $10 or 5%, whichever is greater, will apply on the overdraft amount. A $0 Annual Fee will apply for HSBC Premier World Mastercard® credit card account clients who have a qualifying U.S. HSBC Premier checking account relationship; otherwise a $95 Annual Fee will apply. The Annual Fee will not be assessed to your credit card Account within the first year of Account opening. There is no Foreign Transaction Fee. See Summary of Terms for details.

4 The 50,000 Rewards Program Bonus Points (“Bonus Points”) offer applies when you open a new HSBC Elite World Elite Mastercard credit card and charge the qualifying amount or more in new purchases (minus returns, credits and adjustments) within the first three (3) months from Account opening (“Promotional Period”). The 50,000 Bonus Points offer does not apply to account upgrades, account transfers, balance transfers, credit card checks, cash advances or overdrafts. Your HSBC Elite World Elite Mastercard® credit card must be open and in good standing at the time of Bonus Points fulfillment. Allow 4-6 weeks after the Promotional Period has ended for the Bonus Points to post to your Account.

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. Please refer to the Elite World Elite Mastercard® credit card Rewards & Benefits brochure and the Mastercard Guide to Benefits or  brochure for full details.

The information about the costs and benefits of the card described is accurate as of {{currentDate}}. The information may have changed after that date. To find out what may have changed, call 888.662.4722 (HSBC). A variable Purchase APR applies to credit card purchases and will be 14.99% to 18.99%, depending on your credit worthiness. A variable Balance Transfer APR applies to balance transfers and will be 14.99% to 18.99%, depending on your credit worthiness, for the HSBC Elite World Elite Mastercard credit card. The variable Cash APR applies to cash advances and overdrafts and is 24.99%. Your APRs may increase to the variable Penalty APR of 29.99% if you fail to make a minimum payment to us when due. These APRs will vary with the market based on the Prime Rate. For each billing cycle, variable APRs are calculated by adding a specified amount (“Spread”) to the U.S. Prime Rate published in the Money Rates table of The Wall Street Journal that is in effect on the last day of the month (“Prime Rate”). If the Prime Rate changes, the new APRs will take effect on the first day of your billing cycle beginning in the next month. The Minimum Interest Charge is $1.00. A Balance Transfer Fee of either $10 or 4%, whichever is greater, will apply on each balance transfer. A check fee of either $10 or 4%, whichever is greater, will apply on each check written for purposes other than Balance Transfer. A Cash Advance Fee of either $10 or 5%, whichever is greater, will apply on each cash advance transaction. An Overdraft Transaction fee of $10 or 5%, whichever is greater, will apply on the overdraft amount. There is no Foreign Transaction Fee. The Annual Fee for the HSBC Elite World Elite Mastercard credit card is $395 plus $65 for each authorized user; the Annual Fee is waived ($0) for customers with a qualifying U.S. HSBC Jade or Private Bank relationship. See Summary of Terms for details.

HSBC Premier World Mastercard® requires a U.S. HSBC Premier relationship. For a complete list of HSBC Premier Relationship eligibility requirements please visit https://www.us.hsbc.com/premier/ or speak with your Relationship Manager.

8 FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

How you earn Rewards Points: You earn Reward Points when you use your card to make purchases. 

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

Mastercard and Tap & Go are registered trademarks of Mastercard International Incorporated.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Google Pay is a trademark of Google LLC

Apple, the Apple logo, and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries.

Samsung, Samsung Pay, and Galaxy are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Other company and product names mentioned may be trademarks of their respective owners.

We're here to help you. Find the answers and while you're at it, tell us how we could do better.