HSBC Premier World Elite Mastercard® credit card

† Summary of Terms can be accessed here

HSBC Premier World Elite Mastercard® credit card Guide to Benefits brochure can be accessed here

HSBC Premier World Elite Mastercard® credit card Rewards & Benefits brochure can be accessed here

I don’t have an HSBC Premier checking account relationship

Applying to become an HSBC Premier client⁷ has many benefits beyond access to the HSBC Premier World Elite Mastercard® credit card.

1 The 50,000 Rewards Program Bonus Points (“Bonus Points”) offer applies when you open a new HSBC Premier 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 Premier 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.HSBC (4722). A variable Purchase APR applies to credit card purchases and will be either 16.49% or 20.49%, depending on your credit worthiness. A variable Balance Transfer APR applies to balance transfers and will be either 16.49% or 20.49%, depending on your credit worthiness, for the HSBC Premier World Elite Mastercard® credit card. The variable Cash APR applies to cash advances and overdrafts and is 26.49%. Your APRs may increase to the variable Penalty APR of 31.49% 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. A $395 Annual Fee will apply for HSBC Premier World Mastercard® Elite credit card account clients who have a qualifying U.S. HSBC Premier¹ checking account relationship, and a $65 Annual Fee will apply to each Authorized User. 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 Premier 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 Premier 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 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.

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 Premier 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.