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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 14.99% to
    18.99%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™.

Everyday values and experiences

3X Points on Monthly Expenses

Streamline your expenses in the new year and watch your Points balance grow.

Earn 3X Points when you use your Elite card to pay for -  internet and streaming services, cable, phone, electricity, gym memberships and more.

Up to $3,000 total spend from January 1, 2022 to March 31, 2022.

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.

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

Important Service Announcement

Updated January 1, 2022

We at HSBC Bank USA, N.A. (“HSBC” or “the Bank”) have set out on a journey to be able to better cater to our clients’ needs globally and from a wealth management perspective. You may have seen an announcement from us about the next phase of this plan. As a result of this new focus for HSBC, we are streamlining parts of the Bank. This decision was not made lightly, but is necessary for us to best position the Bank for the future. As part of this, some of our branches, clients and employees will be transitioned to another financial institution in the coming months.

What this means for you

If you are:

  • An existing HSBC customer who is opening a new deposit account and you have been notified that you’re being transitioned; or
  • A new HSBC customer who is opening a deposit account; or
  • An existing HSBC Retail Business Banking customer who is opening a new deposit account, then *

    * Any HSBC account(s) opened or applied for today will not be transitioned to a new financial institution in the near future.​ 

If you are:

  • An existing HSBC customer and you have been notified that you’re being transitioned and you are upgrading to Premier, Jade or the Private Bank, any account(s) opened or applied for today will be transitioned to a new financial institution in the near future.​
  • Additionally, any branch not listed in the FAQs on the HSBC Bank USA Wealth Center Locations list will be consolidated, closed or transitioned to a new financial institution in the near future.
  • For details regarding the transaction’s impact, if any, on new or existing insurance or investment accounts, contact an HSBC Securities (USA) Inc. Financial Consultant.

More details and FAQs can be found at

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 branch 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.

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 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.

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.

* Investment, annuities, and variable life insurance products are offered by HSBC Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. In California, HSI conducts insurance business as HSBC Securities Insurance Services. License #: OE67746. HSI is an affiliate of HSBC Bank USA, N.A. Whole life, universal life, term life, and other types of insurance are offered by HSBC Insurance Agency (USA) Inc., a wholly owned subsidiary of HSBC Bank USA, N.A. Products and services may vary by state and are not available in all states. California license #: OD36843Investments, Annuity and Insurance Products:  Are not a deposit or other obligation of the bank or any of its affiliates; Not FDIC insured or insured by any federal government agency; Not guaranteed by the bank or any of its affiliates; and may lose value. All decisions regarding the tax implications of your investment(s) should be made in consultation with your independent tax advisor.

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