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HSBC Platinum Mastercard® with Rewards Credit Card

Life’s better with choices. The HSBC Platinum Mastercard® with Rewards credit card allows you to enjoy your rewards the way you want. Apply now Apply now for a HSBC Platinum Mastercard with Rewards Credit Card
$100 Cash Back 1

Introductory Offers

  • Earn 15,000 Rewards Program Bonus Points (“Bonus Points”) which can be redeemed for $150 cash back after you spend $500 or more in new card purchases in your first 3 months from credit card Account opening1
  • 0%†,2 Introductory APR on Purchases and Balance Transfers for the first 12 months from Account opening.  Balance transfers must be posted within the first 60 days following Account opening.
    After that, a competitive variable APR of 14.99%, 18.99% or 24.99%†,2, will apply 

 

 

Rewards Program

Rewards

  • Select from over 3,000 brand name merchandise items, including electronics, luggage, kitchenware, sports gear and more3.
  •  Choose from hundreds of gift cards from popular retailers3.
  •  Reward yourself with unlimited cash back4 you can use for any purpose that never expires.
  •  Earn 1X Rewards Program Point for every dollar in new card purchases.
Card Features

Save on Fees

  • No Annual Fee†,2
  • No Foreign Transaction Fees
  • No fee for additional cards for authorized users
Travel Benefits

Travel Benefits

  • MasterAssist® provides pre-trip planning assistance, help with lost luggage and more5
  • Master RoadAssist® Roadside Services provides help in the event your car breaks down while traveling in the U.S.5
  • $1 Million Travel Accident Insurance5
Shopping Benefits

Shopping Benefits

  • Extended Warranty doubles your original warranty up to 1 additional year5
  • Purchase Assurance® covers most items from damage or theft5
  • Price protection refunds the difference if you see an item advertised for less within 60 days of purchase5
  • Identity Theft Resolution Services provides one-on-one support in the event your identity is compromised5
Fraud Protection

Payment Technology

  • Security chip offers enhanced protection when used at chip-enabled terminals
  • Contactless payment feature provides fast, easy and safe checkouts
  • Make mobile purchases with Google Pay™ , Apple Pay® and Samsung Pay™

† Summary of Terms can be accessed here

HSBC Platinum Mastercard® with Rewards credit card Guide to Benefits and Terms & Conditions brochure can be accessed here

HSBC Platinum Mastercard® with Rewards credit card Rewards & Benefits brochure can be accessed here

 

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person or entity that opens an Account.

What this means for you: If you open a personal account, we will ask for your name, address, taxpayer identification number, date of birth, and other information that will allow us to identify you. Additionally, we will take certain steps to verify your identity, such as asking for your driver's license or other identifying documents or checking other sources. Similar identification requirements apply to non-personal accounts such as corporations and partnerships. Be assured that we recognize the importance of protecting your privacy and safeguarding the confidentiality of the information you provide to us.

How to apply

New to HSBC

Apply for an HSBC Platinum Rewards Mastercard® credit card.

Existing HSBC Customer

Log on to Personal Internet Banking to apply for an HSBC Platinum Rewards Mastercard® credit card

Phone

Contact our Customer Relationship Center

Monday – Sunday 7:00am - 12:00am ET.

Toll-free from within the U.S. or Canada:

800.485.1794

Collect from everywhere else: 716.841.7141

Related links

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 Google Pay, Apple Pay, and Samsung Pay.

1 The 15,000 Rewards Program Bonus Points (“Bonus Points”) offer applies when you open a new HSBC Platinum Mastercard® with Rewards credit card and charge the qualifying amount or more in new purchases (minus returns, credits, adjustment) within the first three (3) months from Account opening (“Promotional Period”). You will receive 15,000 Rewards Program Bonus Points (“Bonus Points”), which can be redeemed for $150 cash back. The Bonus Points do not apply to account upgrades, account transfers, balance transfers, credit card checks, cash advances or overdrafts. Your Platinum Mastercard® with Rewards 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 cards described is accurate as of {{currentDate}}. The information may have changed after that date. To find out what may have changed, call 800.485.1794. The 0% Introductory APR does not apply to cash advances and overdrafts. Balance transfers must be posted within the first 60 days following Account opening.
After the Introductory Period, a variable Purchase APR of 14.99%, 18.99% or 24.99%, depending on your creditworthiness, will apply to credit card purchase balances; and a variable Balance Transfer APR of 14.99%, 18.99% or 24.99%, depending on your creditworthiness, will apply to balance transfers and credit card checks, for the HSBC Platinum Mastercard® with Rewards credit card. The variable Cash APR of 26.99% will apply to cash advances and overdrafts. Your APRs may increase to the variable Penalty APR of 31.99% 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 and credit card check. A Cash Advance Fee of either $10 or 4%, whichever is greater, will apply on each cash advance transaction. An Overdraft Transaction Fee of either $10 or 4%, whichever is greater, will apply on the overdraft amount, if applicable. There is no Annual Fee or Foreign Transaction Fee. See Summary of Terms for details.

3 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

4 Customers can choose to receive cash back redemptions as a direct deposit or as a statement credit on their HSBC 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. See the HSBC Platinum Mastercard® with Rewards credit card Guide to Benefits and Terms & Conditions brochure for further details

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. See the HSBC Platinum Mastercard® with Rewards credit card Guide to Benefits and Terms & Conditions brochure for full details.

How you earn Rewards Program 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 Platinum Mastercard® with Rewards credit card is issued by HSBC Bank USA, N.A., subject to credit approval.

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 Pay is a registered trademark of Samsung Electronics Co., Ltd.

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