HSBC Elite credit card

*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 Annual Percentage Rate (APR) applies to credit card purchases and will be 19.99% to 24.99%, depending on your credit worthiness. A variable Balance Transfer APR applies to balance transfers and will be 19.99% to 24.99%, depending on your credit worthiness, for the HSBC Elite World Elite Mastercard® credit card. The variable Cash APR applies to cash advances and is 28.99%. These APRs will vary with the market based on the Prime Rate, for a maximum APR of 29.99%. 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 transaction fee of $10 or 5%, whichever is greater, will apply for each Balance Transfer, Check, or Cash Advance transaction. There is no Foreign Transaction Fee. The Annual Fee for the HSBC Elite credit card is $495 for primary cardholder & $0 for Authorized User(s) per year; $0 for primary cardholder & $0 for Authorized User(s), for customers who hold a Private Banking Account relationship at the time of application and on each subsequent credit card Account anniversary date to qualify for the annual fee rebate; $295 for primary cardholder & $0 for Authorized User(s) for customers who hold HSBC US employee status at the time of application and on each subsequent credit card Account anniversary date to qualify for the annual fee rebate. See Summary of Terms for details. For more information regarding U.S. HSBC Premier eligibility requirements please visit https://www.us.hsbc.com/checking-accounts/products/premier/ or speak with your Relationship Manager.

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.

HSBC Elite World Elite Mastercard® requires a qualifying Premier or Private Bank relationship. For a complete list of HSBC Premier Relationship eligibility requirements please visit https://www.us.hsbc.com/checking-accounts/products/premier/ or speak with your Relationship Manager.

To become an HSBC Private Bank customer, you must be invited and reviewed on an individual basis. See your Relationship Manager for details.

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

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