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HSBC Elite Credit Card

A premium card that offers our richest travel benefits and rewards

Unlimited Rewards Points with no expiration

50K introductory offer

Earn 50,000 Rewards Bonus Points worth $750 in airfare – when booked online through HSBC Travel from Rewards – after spending $4,000 in the first 3 months of account opening1

3X travel points

You’ll earn 3X Rewards Points on new travel purchases – including airline, hotels, and car rentals

2X dining Points

You’ll earn 2X Points on new dining purchases

1X Points on all other purchases

You’ll earn 1X Points on all other purchases

$395 annual fee. view footnote 2 for details
  • Add authorized users for $65 each2
  • No Foreign Transaction Fees
  • Competitive, variable APR of 17.24% to
    21.24%2 on Purchases and Balance Transfers

Explore this card

Travel benefits

$400 in Travel Credits

Up to $400 per year for all airfare, hotels and car rentals booked through HSBC Travel.

Unlimited Lounge Access

You and one guest get complimentary, unlimited access to 1,000+ airport lounges provided by LoungeKey™.

Mastercard® Travel Rewards

Exclusive Offers from fine restaurants, designer brands and more when you use your card abroad.3 

Rewards For Miles

Transfer your Points into any of the Rewards for Miles partners’ loyalty programs.  We have expanded the program to now include 11 airlines and 2 hotel partners.

Everyday values and experiences

3X Points for Seasonal Entertainment

Whether local or abroad, experience the world around you and get rewarded this fall and winter. From all-inclusive ski resorts, tickets to watch your favorite sports team or an evening at the theater.

Earn 3X Points (up to $3,000 spend) starting October 1, 2022 through December 31, 2022, on seasonal entertainment. 

Luxury Gifts

An exclusive Luxury Thank You Gift when you reach $50,000, $75,000 and $100,000 in cumulative spend annually. Up to 3 Luxury gifts per year.


Take 3 rides per month and receive a $5 Lyft App credit5.


Complimentary ShopRunner membership for unlimited, free 2-day shipping and free return shipping at 140 online stores.

Peace of mind

Mastercard ID Theft ProtectionTM

If your identity is compromised, you’ll receive one-on-one support until your claim is resolved5

Identity Fraud Expense Reimbursement

Provides expense reimbursement in the event your identity is compromised through identity fraud5

Cellular Wireless Telephone Protection

Provides reimbursements up to $800 per claim if your cellphone is stolen or damaged5

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!

Thousands of merchants accept contactless payments – use your card wherever you see the contactless symbol.

† Summary of Terms can be accessed here

HSBC Elite World Elite Mastercard credit card Rewards & Benefits and Mastercard Guide to Benefits brochure can be accessed here.

How to apply

To apply for an HSBC Elite Credit Card, you must have a qualifying Premier, Jade or Private Bank relationship7.

New to HSBC

To apply for an HSBC Elite Mastercard credit card7, you must have an existing U.S. HSBC Premier checking account relationship. Explore the benefits today.

Existing HSBC Customer

Log on to Personal Internet Banking to apply for an HSBC Elite Mastercard credit card.

For Jade or Private Bank relationships, please see your Relationship Manager.

PhoneContact our 24/7 Premier Customer Relationship Center.

888.662.4722 (HSBC)

If you’re calling from outside the US or Canada, call


In Person

Find the Wealth Center closest to you to apply in person.

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

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

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

1 The 50,000 Rewards 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. Customers who have opened the same credit card product within the last 36 months are not eligible to receive the Rewards Program Bonus Points offer.

2 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 17.24% to 21.24%, depending on your credit worthiness. A variable Balance Transfer APR applies to balance transfers and will be 17.24% to 21.24%, depending on your credit worthiness, for the HSBC Elite World Elite Mastercard credit card. The variable Cash APR applies to cash advances and is 27.24%. Your APRs may increase to the variable Penalty APR of 32.24% 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. 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.

3 Certain restrictions, limits and exclusions may apply. Full details will be sent when you become a customer.

4 Customers can choose to receive cash back redemptions as a direct deposit into their HSBC Bank USA, N.A. Checking or Savings Account, or as a statement credit on their HSBC Credit Card. For complete eligibility details, refer to the HSBC Elite World Elite Mastercard credit card Guide to Benefits brochure.

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 HSBC Elite World Elite Mastercard credit card Rewards and Benefits brochure and Mastercard® Guide to Benefits brochure, for full details.

6 The Mastercard® Concierge Service is provided by Aspire Lifestyles. Certain restrictions, limitations and exclusions may apply. This service is administered by a company not affiliated with HSBC Bank USA, N.A

7 HSBC Elite World Elite Mastercard® requires a qualifying Premier, Jade, or Private Bank relationship. For a complete list of HSBC Premier Relationship eligibility requirements please visit or speak with your Relationship Manager.

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

HSBC Elite World Elite Mastercard credit cards are issued by HSBC Bank USA, N.A., subject to credit approval and require a U.S. HSBC Premier1 relationship. To learn more, speak with an HSBC Premier Relationship Manager.

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.

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

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