hsbc travel premier

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• HSBC Malaysia online banking

HSBC Premier Travel Mastercard Credit Card

Earn 1.1 Air Miles for every RM1 overseas spend

By Invitation only

Ideal for frequent flyers

HSBC Premier Travel Credit Card, the best companion for your overseas travel with air miles rewards.

eWelcome pack (PDF)

By invitation only

Eligibility:

Exclusively for HSBC Premier Elite account holders. A primary cardholder must be at least 21 years old with a minimum RM3,000,000 in total relationship balance with HSBC.

Apply online today and enjoy an online exclusive sign-up offer

At a glance.

• 1.1X Air Miles on all overseas spend 1
• 1X Air Miles for every RM4.00 local spend
• Complimentary access to Plaza Premium Lounges worldwide 2 Get away from the hustle and bustle of a busy airport and relax whilst you enjoy a range of refreshments, newspapers, television and business facilities.
• Enjoy Global Data Roaming by Flexiroam in over 150+ countries 3 Including redemption of one free 3GB 10-day Global Data Roaming pass per eligible card, per calendar year, and a 15% discount on future data plans. Learn more .
• Get free unlimited access to Digital Health services 4 Experience free consultation via Video Teleconsultations by Doctor Anywhere and Digital Health Assistant by Medi24 24/7. Register here .
• 1% contribution 5 on Charity Spend When you make a donation to any cause with your HSBC Credit Card, we will contribute 1% to our supported charities.
• This HSBC Credit Card is now made from 100% recycled plastic
• Enjoy added peace of mind when you shop online with an HSBC Premier Travel Mastercard now 6 The e-Commerce Protection insurance by Mastercard provides you with worldwide coverage and reimbursements of up to USD200. Find out more on the Mastercard website .
• Enjoy savings with Expedia and Agoda 7 Enjoy 10% 7   discount on  Expedia hotel bookings  and 7% 7  discount on  Agoda hotel bookings  other than Air Miles rewards.
• Travel rewards : shop at key destinations around the world and enjoy cashback offers and discounts from both in-store and online merchants across over 25 countries –  Find out more 

Enjoy 50% off green fees at 42 golf clubs and golf lessons at 1 participating golf academy in Singapore – Book now . Terms & Conditions apply.

Valid until: 15 January 2025

Card Privileges

Premier Junior Savers Account   8

Convert Air Miles to cashback into Premier Junior Savers Account

Premier SmartPrivileges   9

Indulge in exclusive deals and special VIP treatments from us while enjoying great savings at more than 2,000 shopping outlets nationwide with your HSBC Premier Travel Mastercard. With new and exciting offers every month, you'll be spoilt for choices.

Reward Redemption   10

Explore the extensive Premier Travel Rewards Catalogue, with wide selection of items at great value. You can redeem gifts, vouchers or frequent flyer miles with selected airlines.

Who will benefit from the 1% contribution?

Donate to any charity and we will contribute 1% of the amount to these supported charity organizations.

Global Environment Center

Support the conservation and rehabilitation efforts of peat forest in Pahang and mangrove forest in coastal areas in Johor & Perak.

PINTAR Foundation

Empower children across the country by bringing knowledge to them through the state-of-the-art PINTAR Mobile Learning Unit.

Yayasan Chow Kit

Help provide a safe and conducive learning environment for children in and around Chow Kit to enable them to reach their full potential.

Pertubuhan Tindakan Wanita Islam (PERTIWI)

Caring for the welfare and needs of women, children and the elderly from among the homeless and low income groups in Malaysia.

Document Required

Things you should know.

Important notes

1 Amended Terms & Conditions For HSBC Premier Travel Mastercard Credit Card apply. Air Miles awarded are capped at 20,000 Air Miles for overseas spend and 30,000 Air Miles for local spend per calendar month. Earn 1 Air Mile for every RM4 local spend.

2 Terms and Conditions for HSBC Plaza Premium Lounge Programme . This programme is only applicable to Primary cardholder. Each Eligible Cardholder is entitled to a maximum number of 12 complimentary visits a year. Lounge access for the 13th and subsequent visit and accompanying guests (including Supplementary Cardholders) will be charged the lounge prevailing rates. Any subsequent visit on the same day and any visit exceeding the 3-hour limit will be subject to the applicable charges listed at the respective lounge. List of eligible Plaza Premium Lounges.

• List of eligible Plaza Premium Lounges (PDF) List of eligible Plaza Premium Lounges (PDF) Download

3 Subject to Global Data Roaming by Flexiroam Terms and Conditions apply.

4 Subject to Digital Health by Allianz Terms and Conditions apply. 

5 The Bank will make a Charity Donation to Selected Charity Organization(s) which is equivalent to 1% of the Eligible Charity Spend made by Eligible Cardholders, up to a maximum of RM500,000 per year. List of Selected Charity Organization(s) refer here .

6 Subject to Mastercard Terms and Conditions apply.

7 10% discount on Expedia is applicable for 1 hotel room booking. Both Agoda and Expedia's discounts are subject to their respective Terms and Conditions. 

8  Protected by PIDM up to RM250,000 for each depositor.

9 Terms & Conditions for HSBC SmartPrivileges .

10 Terms and Conditions for HSBC Premier Travel Rewards Programme 2023 . Effective January 2023.

• Product Disclosure Sheet (PDF) ENG Product Disclosure Sheet (PDF) ENG Download
• Product Disclosure Sheet (PDF) BM Product Disclosure Sheet (PDF) BM Download

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Mastercard Automatic Biller Update (Effective 12 June 2020)

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The best HSBC credit cards of 2020

Update : Some offers mentioned below are no longer available. View the current offers here .

HSBC is one of the world's largest banking and financial services institutions. Yet many U.S. consumers don't think of the company when shopping for a new rewards credit card . HSBC currently only offers six credit cards to U.S. consumers, so let's take a detailed look at these six cards and answer some common questions about them.

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Best HSBC credit cards for 2020

• HSBC Gold Mastercard® credit card : Best for introductory APR
• HSBC Cash Rewards Mastercard® credit card : Best for cash-back rewards
• HSBC Cash Rewards Mastercard® credit card Student Account : Best for cash-back rewards for students
• HSBC Advance Mastercard® credit card : Best for dining and entertainment
• HSBC Premier World Mastercard® credit card : Best for travel
• HSBC Premier World Elite Mastercard® credit card : Best for premium travel rewards

To start our analysis, here is a comparison of the best HSBC credit cards currently accepting new applications.

Comparing the best HSBC credit cards

More details on the best hsbc credit cards.

Let's take a look at the details of each of these HSBC credit cards and offers, including rewards rates, benefits and annual fees.

HSBC Gold Mastercard credit card: Best for 0% introductory APR

Why this is the best for 0% introductory APR : This card offers 0% introductory APR on purchases and balance transfers for the first 18 months after account opening.

Introductory offer : 0% introductory APR on purchases and balance transfers for the first 18 months from account opening. Balance transfers must be posted within the first 60 days following account opening. Once the introductory period is over, a variable APR of 12.99%, 16.99% or 22.99% will apply. A balance transfer fee of either $10 or 4%, whichever is greater, applies on each balance transfer.

Rewards rate : None

Top benefits and perks :

• Check to see if you are prequalified , which only requires a soft credit check that has no impact on your credit score
• Late fee waiver, which means HSBC will waive the late fee once within a 12-month period
• No penalty APR, which means HSBC will not raise your APR if you pay late
• MasterRental coverage, which provides protection for physical damage and theft to most rental vehicles
• No foreign transaction fees

Annual fee : None

Is this card worth it? Whether you're looking to delay payment of a large purchase or you're working to pay off debt , the HSBC Gold Mastercard may be able to help with its 0% introductory APR on purchases and balance transfers for the first 18 months. However, some other cards offer lower balance transfer fees, so it may be worth considering other options.

Related reading: The best balance transfer credit cards

HSBC Cash Rewards Mastercard credit card: Best for cash-back rewards

Why this is the best for cash-back rewards : This card provides 3% cash back on up to $10,000 in purchases made within your first 12 months and 1.5% cash back after that.

Introductory offer : Earn 3% cash back on up to $10,000 in purchases within your first 12 months from account opening. Plus, get 0% 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 variable APR of 12.99%, 16.99% or 22.99% will apply. A balance transfer fee of either $10 or 4%, whichever is greater, applies on each balance transfer.

Rewards rate : Earn 1.5% cash back on all purchases (after the 3% introductory period ends)

• $5 off on Postmates orders of $25 or more for delivery of food, drinks and groceries (not including taxes, delivery fees, and tips)
• Cellular wireless telephone protection that may provide reimbursement up to $600 per claim if your cellphone is stolen or damaged
• Complimentary ShopRunner membership for unlimited, free two-day shipping and free return shipping at over 140 online stores

Is this card worth it? The introductory 3% offer provides solid cash-back earning during your first year, and 1.5% cash back long-term is also strong. If you're looking for a simple no annual fee card that earns flat-rate cash back, this is a solid choice. However, you can do slightly better with some other cards such as the Citi® Double Cash Card that provides up to 2% cash back on everything as 1% when you buy and 1% as you pay.

Related reading: The best cash-back credit cards

HSBC Cash Rewards Mastercard credit card Student Account: Best for cash-back rewards for students

Why this is the best for cash-back rewards for students : Students can be approved without any credit history. Plus, the card offers 1.5% cash back on all purchases.

Introductory offer : None

Rewards rate : Earn 1.5% cash back on all purchases

• No credit history required for approval
• Unlimited access to online tools to learn about credit
• Get your FICO Credit Score for free each month on your HSBC credit card statement
• Graduate to the standard HSBC Cash Rewards Mastercard credit card after four years if your account is in good standing
• Complimentary ShopRunner membership

Is this card worth it? The HSBC Cash Rewards Mastercard credit card Student Account can be a good option for students who have an existing HSBC deposit account. Eligible students may be able to open this unsecured credit card without credit history and earn 1.5% cash back while building their credit .

Related reading: Best credit cards for college students

HSBC Advance Mastercard credit card: Best for dining and entertainment

Why this is the best for dining and entertainment : This card earns 3x points on dining and select entertainment during your first 12 months and then 2x points once the introductory period is complete. You must have a qualifying HSBC Advance or Premier checking account relationship to be eligible for this card.

Introductory offer : Earn an introductory 3x points on dining and select entertainment purchases plus 2x points on all other purchases in the first 12 months from account opening, up to the first $25,000 in purchases. Plus, get 0% introductory APR on credit card 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 variable APR of 14.99% or 18.99% will apply. A balance transfer fee of either $10 or 4%, whichever is greater, applies on each balance transfer.

Rewards rate : Earn 2x Rewards Program Points on dining and select entertainment purchases after the intro period. Plus, earn 1x on all other purchases after the intro period.

• 10% off when booking luxury hotel stays through onefinestay

Annual fee : $0 during the first year of account opening, then $0 for cardholders who have a qualifying U.S. HSBC Advance or Premier checking account relationship and $45 for cardholders who no longer have a qualifying checking account relationship

Is this card worth it? If you are eligible for this card with a $0 annual fee, it can be a good way to earn bonus points on dining and entertainment. But, it's unclear from publicly available materials what type of redemption value you'll get from Rewards Program Points. So, it may be better to opt for a more straightforward rewards credit card that earns bonus rewards on dining and/or entertainment such as the Capital One Savor Cash Rewards Credit Card or the Capital One SavorOne Cash Rewards Credit Card.

The information for the Capital One Savor card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related reading: Credit card showdown: Capital One Venture vs. Capital One Savor

HSBC Premier World Mastercard credit card: Best for travel

Why this is the best for travel : This card offers 2x points on travel purchases as well as various travel-related perks. You must have a qualifying HSBC Premier checking account to be eligible for this card.

Introductory offer : Earn 35,000 Rewards Program Bonus Points -- worth at least $400 in air travel -- after spending $3,000 in the first three months from account opening.

Rewards rate : Earn 2x Rewards Program Points on travel purchases and 1x Points on all other purchases.

• Enjoy complimentary unlimited premium Wi-Fi at over a million secure hotspots worldwide with Boingo . Get simultaneous access for up to four devices.
• Receive up to $50 in statement credits annually for rides with Uber and Lyft
• Get a statement credit of $85 every five years as reimbursement for a TSA PreCheck application fee
• 10% discount when you book your hotel or vacation home stay through Expedia, Agoda or onefinestay
• Trip cancelation insurance that may reimburse you for your prepaid, non-refundable expenses in case you have to cancel your trip for a covered reason
• Hotel and motel burglary insurance that may reimburse you up to $1,500 per claim for personal property stolen or damaged from your hotel or motel room as a result of burglary by forcible entry
• Lost luggage insurance that may reimburse you up to $1,500 per claim for checked or carry-on luggage that is lost or damaged while traveling on a common carrier
• Baggage delay insurance that may reimburse you up to $250 per claim for the cost of essential items such as clothing and toiletries if your luggage is delayed in getting to your scheduled destination
• Purchase assurance that may reimburse you when an item you bought with your card is damaged or stolen within 90 days of purchase

Annual fee : $0 during the first year of account opening, then $0 for cardholders who have a qualifying U.S. HSBC Premier checking account relationship and $95 for cardholders who no longer have a qualifying HSBC relationship.

Is this card worth it? If you have a qualifying U.S. Premier checking account with HSBC, you might as well open the HSBC Premier World Mastercard credit card for its travel-related benefits and shopping benefits. But, if you aren't already an eligible HSBC customer, you may want to consider other travel credit cards with stronger earning rates and additional perks such as a Global Entry application fee credit .

Related reading: Best travel rewards credit cards

HSBC Premier World Elite Mastercard credit card: Best for premium travel rewards

Why this is the best for premium travel rewards : This card provides 3x earning on travel purchases , 2x earning on dining purchases and various travel and shopping benefits. You must have a qualifying HSBC Premier checking account to be eligible for this card.

Introductory offer : Earn 50,000 Rewards Program Bonus Points -- worth $750 in airfare when booked online through HSBC Rewards -- after spending $4,000 in the first three months of account opening.

Rewards rate : Earn 3x Rewards Program Points on travel purchases, 2x on dining purchases and 1x on all other purchases.

• Receive up to $100 in statement credits annually as reimbursement for air travel purchases charged to your card
• Receive up to $100 in statement credits annually for rides with Uber and Lyft
• Enjoy complimentary Lounge Key membership and get two free lounge visits per year. Additional visits are only $32 per person
• Get one Global Entry application fee statement credit or one TSA Precheck application fee statement credit every 54 months
• Enjoy complimentary unlimited premium Wi-Fi at over a million secure hotspots worldwide with Boingo. Get simultaneous access for up to four devices
• Price protection that may reimburse you when you purchase an item with your card and then see a printed advertisement or non-auction Internet advertisement for the same product at a lower price within 60 days from the date of purchase
• Extended warranty that may double the original manufacturer warranty up to a maximum of 24 months when you purchase an eligible item with your card
• Purchase assurance that may reimburse you when an item you bought with your covered card is damaged or stolen within 90 days of purchase
• Cellular wireless telephone protection that may provide reimbursement up to $800 per claim if your cellphone is stolen or damaged
• Earn $5 in Fandango rewards for every two movie tickets purchased

Annual fee : $395 plus $65 per authorized user

Is this card worth it? This card offers some perks that aren't commonly found on credit cards anymore such as Boingo Wi-Fi access and price protection . Plus, the card offers 3x earning on travel purchases as well as 2x earning on dining purchases and allows redemption for 1.5 cents per point when you book through HSBC Rewards. However, you'll need to have a qualifying HSBC's Premium checking account to get this card.

Related reading: Battle of the premium travel rewards cards: Which is the best?

How we chose the best HSBC credit cards

HSBC currently only offers six credit cards in the United States. And, only two of these cards are available to consumers without an existing HSBC relationship. So, in this guide we decided to analyze all six of the currently available HSBC credit cards and determine for whom each card might be best.

Benefits available on all HSBC credit cards

All of the currently available HSBC credit cards offer some basic benefits. In particular, you'll find the following perks available on all of the HSBC cards:

• Contactless-chip enable cards that allow you to tap and pay
• See your FICO score for free on your monthly statement
• MasterRental car rental insurance
• Travel accident insurance
• Mastercard ID theft protection that can provide identity theft resolution services
• Automatic enrollment in HSBC's fraud alert program
• Access to Mastercard global services which can assist with lost and stolen card reporting, emergency card replacement and emergency cash advance
• Access to Mastercard's Priceless Cities program which can provide exclusive access to more than 2,000 priceless experiences around the globe
• Access to Mastercard's Priceless Golf program which can provide exclusive access to iconic destinations and discounts on public tee times
• Access to Mastercard's airport concierge services including a discount on airport meet and greet services

Related reading: World Elite vs. World Mastercard: Benefits and value

HSBC Premier and Advance relationships

The HSBC Premier World Mastercard and HSBC Premier World Elite Mastercard require you to have an HSBC Premier relationship to apply, while the HSBC Advance Mastercard requires you to have an HSBC Advance relationship to apply. Here's what you need to know about both of these HSBC relationships.

HSBC Advance

With HSBC Advance, you won't need to pay any HSBC fees when using a third-party ATM and you can get up to four third-party ATM surcharge fees reimbursed per month. You'll also get access to preferred saving rates.

However, if you don't maintain a combined balance of at least $5,000 in your HSBC deposit and investment accounts, have a recurring direct deposit from a third party to an HSBC Advance checking account once per calendar month or have an HSBC U.S. residential mortgage loan, you'll need to pay a monthly maintenance fee of $25.

Related reading: The best checking accounts

HSBC Premier

With HSBC Premier, you won't have fees on everyday banking transactions, no HSBC ATM fees worldwide and unlimited third party ATM rebates within the U.S. You can extend your Premier status to up to four family members and you have automatic Premier status in all countries where you bank with HSBC affiliates.

However, to become an HSBC Premier client you must have at least $75,000 in total deposits and/or investments, have at least $5,000 in total direct deposits per month or maintain a U.S. residential mortgage loan with an original loan amount of at least $500,000. A monthly maintenance fee of $50 will be incurred if one of these requirements is not maintained.

Frequently asked questions about HSBC credit cards

What is the best hsbc credit card.

The best HSBC credit card is the HSBC Premier World Elite Mastercard credit card, due to its travel and shopping perks. But, this card requires you to have an HSBC Premier relationship, which may be difficult for many consumers. The best card for you depends on what factors you're looking for in a card.

Related reading: Best credit cards

Does HSBC have secured credit cards?

HSBC doesn't currently offer any secured credit cards. But, there are plenty of good secured credit cards offered by other issuers.

Is HSBC Gold Mastercard a good credit card?

The HSBC Gold Mastercard credit card can be a good option if you're looking for a no-annual-fee credit card that has a 0% introductory offer for purchases and balance transfers. But if you're looking to do a balance transfer , you may prefer a card with a lower or even waived balance transfer fee.

Is HSBC Premier World Elite Mastercard worth it?

If you have an HSBC Premier relationship and will take advantage of the HSBC Premier World Elite Mastercard's travel and shopping benefits, then the card can certainly be worth it. But, if you don't already have an HSBC Premier relationship, you may want to consider other premium travel rewards cards such as the Chase Sapphire Reserve or the UBS Visa Infinite Credit Card .

The information for the UBS Visa Infinite card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Are HSBC credit cards easy to get?

The HSBC Gold Mastercard and HSBC Cash Rewards Mastercard both allow potential applicants to check whether they're prequalified with just a soft credit pull . So, if you're worried about whether you'll be approved for an HSBC credit card, you may want to check whether you're prequalified for one of these cards.

Alternatively if you're a student you may want to consider the HSBC Cash Rewards Mastercard credit card Student Account since this card doesn't require any credit history. However, note that you need to have a consumer deposit relationship with HSBC to qualify for this card.

Can Wisconsin residents get an HSBC credit card?

Currently, all of the HSBC credit cards have a note in their Summary of Terms that states the offer is void in Wisconsin.

Related reading: The ultimate guide to credit card application restrictions

How do I pay my HSBC credit card?

You can pay your HSBC credit card using a checking account or savings account , by mail, by phone or by enrolling in autopay . Here's how to do each:

• Using an HSBC checking or savings account : Log-in to your HSBC account, select your credit card and click Move money
• Using a non-HSBC checking or savings account : Log-in to your HSBC account, select your credit card, click My Account, select Payments and then click Make a Payment
• By mail : Fill in the remittance stub and mail it along with your payment to HSBC Bank USA, N.A., PO Box 4657, Carol Stream, IL 60197-5255
• By phone : Call the number on the back of your credit card
• Enroll in autopay : You can enroll in EZ-Pay autopay by logging in to your HSBC account, selecting your credit card, clicking My Account, selecting Payments and then clicking Schedule EZ-Pay

Related reading: The right way to pay your credit card bills

Bottom line

HSBC offers six credit card products currently, although all but two of these products require an existing HSBC relationship. This means that most HSBC credit card products will be primarily useful to existing HSBC clients.

But, if you are looking for a no annual fee card with a 0% introductory APR offer on purchases and balance transfers, it may be worth checking whether you're prequalified for one of the two credit cards that are open to non-HSBC consumers.

HSBC VIP Travel and Expense Card

HSBC VIP Travel and Expense Card: Introducing the perfect travel companion – your new HSBC VIP Travel & Expense Mastercard© credit card.

Designed to make your business travel as convenient and seamless as possible, your new card includes exclusive benefits, such as airport lounge access, trip delay and cancellation insurance, complementary Boingo Wi-Fi in all major airports, premier customer service access and more.

Travel boldly with the card that offers benefits beyond the ordinary with the HSBC name that is instantly recognized and respected around the globe.

Introducing the perfect travel companion – your new HSBC VIP Travel & Expense Mastercard© credit card.

Mastercard© Coverage Brochure (PDF, 1.29MB)

Mastercard© Guide to Benefits (PDF, 389KB)

Mastercard© Guide to Benefits – Trip Cancellation & Trip Interruption (PDF, 1.43MB)

To file a claim visit: www.mycardbenefits.com or call 1-800-Mastercard

Mastercard Concierge

Priority Pass Registration

Priority Pass Member Support (FAQs, Priority Pass App, Contact)

Flight Delay Pass Registration

Flight Delay Pass Terms of Use (PDF, 438KB)

Boingo Wi-Fi for Mastercard Cardholders

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Premier World Elite Mastercard

Online credit card applications temporarily unavailable  

While we update our credit card application process, you won’t be able to apply online. You can still apply for new cards on the phone via your Relationship Manager. We're unable to accept applications for supplementary cards online or over the phone.

If you have any generic queries you can also call us on  +44 1534 616 313 .

An exclusive card designed for the dedicated traveller

Our Premier World Elite Mastercard offers cardholders a wide range of rewards and benefits, including access to over 750 premium airport lounges around the world. Plus, earn reward points when you spend to redeem on shopping and travel, as part of our exclusive Premier World Elite Rewards programme.

Representative example

Representative 59.3% APR

Purchase rate 18.9% pa

Based on an assumed credit limit of GBP 1,200

Annual fee GBP 195

Why choose a Premier World Elite Mastercard

Bonus reward points

Get 80,000 extra points when you meet our first 3 and 12 month spending criteria. T&Cs apply.

Access exclusive offers

Enjoy travel benefits and earn rewards.

Premium lounge access

Access 750 premium airport lounges on your travels around the world with Priority Pass.

Premier World Elite Rewards Programme

Earn points when you spend to redeem on shopping or travel. T&Cs apply .

• Earn 2 points for every GBP 1 spent in sterling in the UK, offshore and overseas, and earn 4 points for every GBP 1 you spend in eligible non-sterling currency
• Redeem against vouchers for top retailers or travel
• View our Premier Credit Card Rewards programme  

Travel benefits

Access discounts on hotels and Priority Pass airport lounge access.

• 10% discount on selected hotels booked with your card through Expedia
• 12 months complimentary Expedia+ Gold membership
• 10% discount on over 180,000 hotels booked with your card through Agoda
• Access to over 750 airport lounges worldwide with Priority Pass

Online account management

Suit yourself with round-the-clock online or phone access.

• Manage your account day to day - check real-time statements, report a lost or stolen card or block it temporarily, activate cards, make payments
• Redeem Premier Points
• Register and add your card to Global View to see your global HSBC accounts in one place
• Register for online banking  

Things to know

Who can apply.

You can apply for a World Elite Premier Credit Card if you:

• are aged 18 or over
• maintain a minimum relationship balance of GBP 50,000 or have a sole salary of GBP 100,000

HSBC Premier customers in other countries qualify.

All credit applications are subject to status, our lending criteria and an assessment of the circumstances of the applicant. Maximum credit limit subject to status.

Interest rates, fees and charges 

Apr (annual percentage rate), interest free period.

Up to 56 days on purchases if you pay your whole balance in full and on time.

Interest charging information

You will not pay interest on purchases if you pay your balance in full and on time each month. Otherwise, the period over which interest is charged will be as detailed in the table below. For cash advances and balance transfers any interest charge for the period from the previous statement to the date of full repayment will be debited the following month. Interest will not be charged on default charges.

Allocation of payments

Your payment is allocated in the following order:

• Cash advances
• Standard rate balance transfers
• Promotional rate purchases and balance transfers

For further details, please refer to your credit card terms and conditions.

Minimum monthly payment

Interest, default charges and any payment protection insurance premium plus 1% of the principal, or 2.5% of the balance or GBP 5 whichever is highest, or your statement balance if less than GBP 5.

Amount of credit

• Minimum credit limit - GBP 500
• Maximum credit limit - subject to status
• Primary card - GBP 195 (annual fee)
• Additional card - GBP 60 per additional card (annual fee)
• Cash fee - 2.99% handling fee, minimum GBP 3 (includes cash withdrawals, purchases of foreign currency and travellers cheques, but does not apply to gambling transactions)
• Balance transfers - 2.9% of each amount transferred, minimum GBP 5

Foreign usage

• Payment Scheme Exchange Rate - to find out more, visit the Mastercard Rates website

Depending which type of transaction you undertake, one or more of the following will apply:

• non-sterling transaction fee - 2.99% of the sterling amount of the transaction
• cash fee - 2.99% of the amount advanced, minimum GBP 3

Important documents 

• World Elite Mastercard Terms & Conditions (PDF) World Elite Mastercard Terms & Conditions (PDF) Download

Ready to apply?

Already with expat.

Contact your Relationship Manager directly or call us on +44 1534 616 313 to schedule an appointment with your Relationship Manager.

New to Expat?

You can apply for a Premier World Elite Credit Card once you've opened an HSBC Expat Bank Account with us.

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Premier mastercard.

An exclusive card for Expat customers.

HSBC Credit Card

The HSBC Credit Card is a GBP card accepted at over 24 million locations around the world. 

Additional information

Disclaimer .

Credit cards are provided by HSBC Bank plc, which is authorised by the Prudential Regulatory Authority and regulated by Financial Conduct Authority and the Prudential Regulatory Authority. HSBC Bank plc, Card Services, PO Box 6001, Coventry, CV3 9FP, United Kingdom.

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• Access the world with HSBC Global Money With an HSBC Premier Account you can apply for an HSBC Global Money Account, letting you convert, hold or send money in 50 currencies across 200 countries and regions worldwide with competitive exchange rates. Add your Global Money debit card to your digital wallet to start using it straight away. Global Money is only available via the HSBC app. Non-HSBC fees may apply. Learn more .
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• Stay on top of your global accounts If you have HSBC accounts in other countries or regions you can manage them all online, plus you can make fee-free transfers between them in minutes.

The first £500 of your arranged overdraft is interest-free, and it’s 39.9% EAR above that. Overdrafts are subject to status.

Representative example: 0% EAR variable on the first £500, 39.9% EAR 2  variable on anything above that, giving a representative rate of 21.8% APR 3  variable (assumed arranged overdraft £1,200).

How does our overdraft compare? The representative APR shows the cost of borrowing over a year, so you can use it to compare the cost of our overdraft against other overdrafts and ways of borrowing.

• Get it all for no monthly fee Experience all the benefits of a premium account without having to pay for the pleasure.

Explore more

Premier credit cards

Discover a world of travel benefits and rewards. As a Premier customer you’ll have exclusive access to a choice of 2 credit cards, both of which give you reward points when you spend, discounted airport lounge access – and more besides.

Representative example: 

• 59.3% APR (variable) representative
• 18.9% per year (variable) representative
• based on an assumed credit limit of £1,200 with an annual fee of £195

Credit is subject to status, affordability and applicable terms and conditions.

Explore Premier credit cards

Benefits for you and your family

Your Premier account offers a range of benefits and features.

Your family can also access a range of benefits could help them along their own life journey.

Explore family benefits

Home & Away - your rewards portal

HSBC current accounts and credit cards allow you to access worldwide offers and discounts on everything from savings on clothing to exciting days out for the whole family. If you’re also a Premier customer, you can take advantage of extra special discounts too. We’re constantly updating our offers, so keep looking out for our new deals.

Explore Home and Away

Support for you

Our team of professionals are there to help you to manage your banking and finances. Our aim is to meet your personal needs so you can make the most of HSBC Premier. You can also get HSBC Premier Financial Advice to help you make the right choices when planning for the future. Fees and eligibility criteria also apply for our financial advice service.

Things to know before you apply

Ready to apply?  Before you do, there are a couple of things you should check you're happy with.

About your optional arranged overdraft

When you open this account, you'll have the option to take out an  arranged overdraft .

An arranged overdraft allows you to borrow money (up to an agreed limit) if there’s no money left in your account. This can be useful if you're hit with an unexpected bill, for example.

If a payment would take you past your arranged limit (or if you don’t have one), we may let you borrow using an  unarranged overdraft . There's a chance that payments you try to make using an unarranged overdraft may be declined. However, we'll always try to allow essential payments if we can.

You can apply for an arranged overdraft when you open your account, or at any time later. You can ask to increase, remove or reduce your limit at any time in online or mobile banking, by phone or in-branch. Your new limit can't be less than what you owe.

We report account activity, including overdraft usage, to credit reference agencies. An unarranged overdraft lasting more than 30 days could have a negative impact on your credit rating.

Overdrafts are designed for short-term borrowing only and are subject to status.

Overdraft text alerts

If we’ve got your mobile number, we’ll send you an SMS text alert if you’ve gone overdrawn or we know you’re about to. These alerts are designed to help you manage your overdraft usage and avoid being charged interest.

You can opt out of overdraft text alerts by calling us or asking us in-branch – but remember you’ll be opting out for all your current accounts with us. If you opt out or we don’t have an up-to-date number for you, you could end up paying interest you might otherwise have avoided.

What are the overdraft charges for this account?

When you open your account, you can apply for an arranged overdraft. The first £500 is interest free. Anything you borrow above that but within your arranged or unarranged overdraft limit will be charged interest at 39.9% EAR (variable) 2 .

The monthly cap on unarranged overdraft charges for the HSBC Premier Account is £20. Further details can be found online at  our Overdrafts page .

Representative example:  0% EAR (variable)  on the first £500,  39.9% EAR (variable)  on anything above that, giving a representative annual percentage rate (APR) of 21.8% APR (variable) 3 . Based on an arranged overdraft of £1,200 .

To find out more,  visit our Overdrafts page , where you can find out if you’re eligible for an arranged overdraft and use our overdraft cost calculator.

You may not be eligible for some account features if you remain resident outside the UK.

Who can apply?

HSBC Premier is available to you if you meet  ONE of the following eligibility criteria:

Income and product

Have an individual annual income of at least £75,000 and 1 of the following with HSBC UK: a mortgage, an investment, life insurance or a protection product.

You'll also need to pay your annual income into your HSBC Premier Bank Account.

Savings or investments

Have savings or investments of at least £50,000 with HSBC UK (within 6 months of opening your account if you're new to HSBC, or before you open your account if you're an existing customer).

International Premier

Hold and qualify for HSBC Premier in another country or region.

If you're looking for a sole account (not a joint account), you can apply online in minutes below.

Your application is subject to a credit check against your name (if you live in the UK).

Please review our complete eligibility criteria before applying 

HSBC Premier Bank Account eligibility criteria

If you'd like to open an HSBC Premier Account, please ensure you fulfil all the following criteria:

• You are 18 years or older
• Your residential address is within the EU, or, if you live outside the EU, you can still apply for a HSBC Premier account subject to local rules and regulations and meeting the UK proof of address
• You can provide us with certified proof of your identity and address and one month's bank statements from your current bank (translated into English if appropriate)
• If you are resident in the UK, you are happy for us to undertake a credit register search
• In order to qualify for lending, savings and travel insurance benefits and preferential rates you will need to be a UK resident. This is subject to status and meeting HSBC's proof of UK address requirement.

For eligibility purposes, please note: HSBC in the UK includes Jersey, Guernsey or Channel Islands and Isle of Man, and excludes M&S Bank,  first direct  and HSBC Expat. For the second criteria listed above (‘an individual annual income of at least £75,000 and one of the following products with HSBC in the UK’), in the case of a joint account, at least one of the parties must have an individual annual income of at least £75,000. The investment, life insurance or protection products also include those purchased through one of HSBC's advisers.

HSBC Premier Travel Insurance eligibility criteria

Are you under 70 years of age when your trip starts? Note: When you reach 70, you will no longer be covered by HSBC Premier Travel Insurance.

Are you a resident of the UK, Channel Islands or Isle of Man?

Are you registered with a doctor in the UK, Channel Islands or Isle of Man and liable to pay local taxes?

Are you going to start and finish your trip in the UK, Channel Islands or Isle of Man?

Are there any dependent children aged under 18 at the start of the trip or under 23 if they are in full-time education and live with you outside term time? (Children will only be covered when travelling with the account holder or their domestic partner, or whilst travelling abroad on their own to visit and stay with close relatives for the duration of the trip.)

You will need to call the HSBC Medical Risk Assessment Helpline on 0800 051 7457 before booking your trip if you or any insured person in the last 12 months has been prescribed medication, have received or are awaiting medical treatment, tests or investigations, been referred to a specialist or admitted to hospital for any condition not listed on the accepted conditions list in the 'Your Health' section in the policy booklet. You should also tell us before you travel if there has been any changes to your health or you have been referred to a consultant/specialist or admitted to hospital.

There is no cover for undiagnosed symptoms or any claim where you knew at the time of opening your HSBC Premier Bank Account or booking your trip (whichever is later) that you or your travelling companion may be unable to travel or may need to come home early e.g. illness of a close relative or travel companion.

Pre-existing conditions are not covered at any time under the policy unless listed within the accepted conditions list or have been disclosed to and accepted in writing by the HSBC Medical Risk Assessment Helpline.

You must also declare any serious illness, injury or disease suffered by anyone whose health may cause you to cancel or abandon your travel plans, such as a close relative or travelling companion.

Pre-existing medical conditions are not covered at any time under the policy unless they have been disclosed to and accepted in writing by the HSBC Medical Risk Assessment Helpline.

Not the right account for you? Check out our  Advance Account  or view our  other accounts .

Important account documents 

• HSBC Premier Welcome Brochure (PDF, 628KB) HSBC Premier Welcome Brochure (PDF, 628KB) Download
• HSBC Travel Insurance Policy Wording: HSBC Private Banking, HSBC Premier (retained Jade benefits), and HSBC Premier Accounts (PDF, 528KB) HSBC Travel Insurance Policy Wording: HSBC Private Banking, HSBC Premier (retained Jade benefits), and HSBC Premier Accounts (PDF, 528KB) Download
• HSBC Premier Worldwide Travel Insurance IPID (PDF, 141KB) HSBC Premier Worldwide Travel Insurance IPID (PDF, 141KB) Download
• Privacy Notice (PDF, 236KB) Privacy Notice (PDF, 236KB) Download
• Premier Bank Account Fee Information Document (PDF, 129KB) Premier Bank Account Fee Information Document (PDF, 129KB) Download
• UK FSCS Information Sheet and Exclusions List (PDF, 134KB) UK FSCS Information Sheet and Exclusions List (PDF, 134KB) Download
• Glossary of Terms (PDF, 75KB) Glossary of Terms (PDF, 75KB) Download
• Standards of Lending practice (PDF, 44KB) Standards of Lending practice (PDF, 44KB) Download
• Guide to Credit Scoring, Credit Reference and Fraud Prevention Agencies (PDF, 74 KB) Guide to Credit Scoring, Credit Reference and Fraud Prevention Agencies (PDF, 74 KB) Download
• Pre-Contract Credit Information (PDF, 130KB) Pre-Contract Credit Information (PDF, 130KB) Download
• HSBC Banking Terms and Conditions and Charges (PDF, 1,445 KB) HSBC Banking Terms and Conditions and Charges (PDF, 1,445 KB) Download
•   Important notes Important notes Opens in overlay

Other account information 

Expert financial advice.

If you’re planning for the future, you want to feel sure you’re making the right financial choices. That’s where our Premier Financial Advice service comes in.

Our financial advisers can give you advice on a range of things, including:

• planning for your retirement
• managing and growing your wealth
• planning for your children’s future
• and lots more

To use this service you must be an HSBC current account customer and have £50,000 or more in savings or investments.

Get in touch for a free, no-obligation chat to find out if you could benefit from Premier Financial Advice.

Explore Premier Financial Advice

Emergency cash if you need it

If you lose your card or it gets stolen, you can collect up to $2,000 in emergency cash from any HSBC branch in the UK or abroad. You must have available funds in your account.

ATM withdrawal limits

You can withdraw up to £1,000 a day with your Premier contactless Visa debit card.

Please note that some ATM operators will charge you for using their machine – though you’ll always be told first. If you want to avoid a charge, you can use any HSBC ATM in the UK for free.

Apply from outside the UK or EU eligible countries 

If you’re a Premier customer in another country or region, you can apply online using the form below. Alternatively, you can speak to your Premier Manager.

EU eligible countries

Netherlands

• Apply from outside the UK or EU eligible countries  

Apply for your HSBC Premier Account now

New to hsbc uk.

Non-HSBC customers based in the UK or EU eligible countries can apply for a sole account online in minutes.

If you're Premier in another country and aren’t offered Premier during account opening, you can book an appointment with our specialist product telephone team. Just visit one of our branches or call 03457 404 404 .

Lines are open from 08:00 to 20:00 every day.

If you'd like a joint account, you can book an appointment with our specialist product telephone team. Just visit one of our branches or call  03457 404 404 . 

Already an HSBC UK customer?

If you’re an existing HSBC UK customer and want to discuss upgrading to a Premier Bank Account, visit one of our branches to discuss your options. Or call  03457 404 404   to book an appointment with our specialist product telephone team.

Apply in branch 

If you’re a Premier customer in another country or region, please speak to your Premier Manager or your local branch to apply for an account.

When visiting a branch, please bring  ID and proof of address  with you.

If you can’t find what you need online, please speak to  our live chat agents .

•   Textphone numbers Textphone numbers Opens in overlay

Get help whenever you need it

Chat with us at a time that’s convenient for you with 24/7 support on mobile chat.

You might also be interested in

Online bonus saver.

Enjoy the flexibility of instant access with an HSBC Online Bonus Saver account.

Earn points when you spend, which you can redeem for air miles, retail vouchers and more.

Current accounts

Not sure if a Premier Account is for you? Compare all our current accounts.

Standards of Lending Practice

HSBC adheres to the standards of lending practice guidelines.

Additional information

1. Premier Worldwide Travel Insurance is provided by Aviva and is available to Premier account holders. You must be under 70 years of age when the trip begins. Children/grandchildren must be under 18 when the trip begins (or under 23 if in full-time education).  See full eligibility criteria

2. EAR means effective annual rate. This is how all UK banks must show interest rates on their overdrafts, to make it easier for you to compare one bank’s overdraft with another. Please note that it doesn’t include any fees you might be charged in addition to interest.  Back to 'Charges and overdrafts'

3. APR (Annual Percentage Rate) is the rate at which someone who is borrowing money is charged, calculated over a period of 12 months. It takes into account not just the interest, but also any other charges that may have to be paid and any interest-free amount.  Back to 'Charges and overdrafts'

Customer support

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• Premier Worldwide Travel Insurance

• What's covered
• What you should know before you travel
• Making a claim

As part of your HSBC Premier experience, you enjoy the benefit of Premier Worldwide Travel Insurance at no extra cost.

Our cover gives you, your partner, dependent children and grandchildren under 23 years of age worldwide protection.

Premier Worldwide Travel Insurance is underwritten by Aviva Insurance Limited. Policy terms and conditions apply.

Please note: holidays taken solely in the UK, Channel Islands or Isle of Man are covered if they include at least two consecutive nights away from home and either pre-booked accommodation or prepaid public transport.

• Guidance and FAQs on Novel Coronavirus (COVID-19)  
• Guidance and FAQs on travel bookings with Flybe  

Eligibility requirements

Please ensure you can answer YES to the following questions:

• do you hold an HSBC Premier account?
• are you under 70 years of age when you open your HSBC Premier account or when your trip starts? Note: When you reach 70, you will no longer be covered by HSBC Premier Travel Insurance.
• are you a resident of the Channel Islands or Isle of Man?
• are you going to start and finish your trip in the UK, the Channel Islands or the Isle of Man?
• are any dependent children* under 23 years of age at the start date of the trip?
• are any grandchildren* under 23 years of age at the start date of the trip? 

*Children are only covered when travelling with you or your partner, or travelling with close relatives who are over 23 years of age, or travelling independently on a school/college trip with teachers/lecturers. Grandchildren are only covered when travelling with you or your partner.

Medical Conditions: 

To make a medical claim you must be registered with a doctor in the UK, Channel Islands or Isle of Man. 

You will need to call the HSBC Medical Risk Assessment Helpline on 0800 051 7457 before booking your trip if you or any insured person in the last 12 months has:

• been prescribed medication; 
• received or are awaiting medical treatment, tests or investigations; 
• been referred to a specialist, or admitted to hospital for any condition not listed on the accepted conditions list

All pre-existing medical conditions must be on the Accepted conditions list in your Policy Wording to be covered, otherwise they must be disclosed to and accepted in writing by the insurer.

1  Unexpected costs - significant or unusual exclusions

• any event, incident, or circumstance if, at the time you opened your account or booked a trip (whichever is later), you knew or could reasonably be expected to have known that travel disruption could impact travel plans
• any claim where the insured person hadn't allowed enough time, or done everything they reasonably could, to get to their departure point for the time shown on their itinerary
• any costs for running out of medication because the insured person hadn’t taken enough with them to cover their time away

2  Your belongings - significant or unusual exclusions

• belongings, valuables and money deliberately left somewhere that is not in the insured person's full view, with someone they know, or their travel provider
• valuables or money which is not kept in the insured person’s hand luggage while they're travelling
• theft from a vehicle or caravan unless it was broken into and the valuables or money were left in an enclosed storage compartment
• hired sports equipment

3  Winter sports - significant or unusual exclusions

• equipment deliberately left somewhere that is not in an insured person’s full view, with someone they know, or with their travel provider
• loss or theft from motor vehicles

Things you should know

Please take time to read the following:

• Privacy Notice  
• HSBC Premier Worldwide Travel Insurance Policy Wording (PDF) HSBC Premier Worldwide Travel Insurance Policy Wording (PDF) HSBC Premier Worldwide Travel Insurance Policy Wording (PDF) Download

Should you need a letter to confirm you have Travel Insurance in place, you can request it online from Aviva here .

What's not covered

• all pre-existing medical conditions must be on the Accepted conditions list in your Policy Wording to be covered, otherwise they must be disclosed to and accepted in writing by the insurer
• any sports activities which are shown as excluded in the policy document
• if you are aged 70 or over
• any event, incident or circumstance which had already happened, or was going to happen, at the time you opened your account or booked your trip (whichever is later) – and could reasonably be expected to affect your travel plans
• winter sports beyond the 31 days per calendar year limit
• business trips in connection with an insured person's job where the trip involves manual or physical work of any kind, working with children, providing healthcare, policing, security or military service or an insured person's role as a politician, religious leader, professional entertainer or sportsperson
• claims for death, injury, illness or disability are not covered if they result from the misuse of alcohol or drugs

Please note, all trips must begin and end in the UK, the Channel Islands or the Isle of Man.

Contact the relevant helpline number for assistance as soon as you can, quoting your policy number if possible.

In case of medical emergency please call (+44) 1603 605 135 from abroad or 0800 051 7458 within UK, Channel Islands or Isle of Man.

Lines are open 24 hours a day, 365 days a year. Calls may be monitored or recorded.

Travel Claims

If your claim does not require urgent medical attention you can contact aviva and make a claim online or by calling:.

0800 051 7459 Lines open 24 hours a day Calls may be monitored or recorded

Customer services  

03456 00 61 61 Lines open 24 hours a day Calls may be monitored or recorded

Medical assessment  

0800 051 7457 Lines open 8am to 9pm Monday to Sunday (closed Christmas Day, Boxing Day and New Years Day) Calls may be monitored or recorded

Premier Worldwide Travel Insurance 

What's covered , what you should know before you travel , making a claim , customer support.

Important notice

Due to the recent adverse weather situation in UAE, our Sharjah branch and Mall of the Emirates Customer Servicing Unit will remain closed until further notice.

Our mobile banking app, online banking and phone banking services remain fully operational.

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Mastercard Travel Pass

Enjoy complimentary airport lounge access

• What you'll get with this Mastercard flagship offer
• Black and Global Private Banking: Unlimited, complimentary access for you and one guest per visit to over 1,200 airport lounges in more than 450 cities in over 135 countries, as part of the Dragon Pass airport lounges network.
• Premier: Unlimited, complimentary access for you to over 1,200 airport lounges in more than 450 cities in over 135 countries, as part of the Dragon Pass airport lounges network.
• Advance: Unlimited, complimentary access for you to over 25 regional and international airport lounges across UAE, Saudi Arabia, Jordan, Kuwait, Egypt, Morocco, USA, UK, Canada, Germany, France, Singapore, and more.
• Access to business facilities: email, internet, phones, fax machines and conference space in some lounges.
• Complimentary refreshments and snacks.

Terms and conditions

• Download the Mastercard Travel Pass app from the App Store or Google Play Store and register your Mastercard card.
• See the lounges near you, and whether they offer complimentary access.
• Once you choose a lounge, book your visit to generate a QR code.
• Present the app QR code or your membership number to access the lounge.

I love dining

From local favourites to popular international cuisines, a sumptuous spread of discounts and privileges is all yours for the taking.

HSBC credit cards

Find out more about our credit cards. Apply and you could get approved for a credit card in less than 30 minutes.

600 55 4722  (within the UAE) or  +971 4 228 8007  (outside the UAE). To find out more about our latest offers call:  800 7010

Connect with us

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Explore the best things about your

HSBC Elite Credit Card

Explore your Rewards

All reward options are available to redeem online anytime, anywhere. 10

Enroll to earn 3X Points on fashion purchases

Bonus Points are available by invitation only and you must enroll. Elevate your style this Spring and earn more Points. Earn 3X Points (up to $3,000 spend) when you enroll, and use your credit card to pay at women’s, men’s and family clothing stores, shoe stores and cosmetic stores from April 01, 2024, through June 30, 2024.

•   Learn More Learn More Modal link

home&Away

Welcome to  home&Away , a unique program offering valuable benefits here and around the world. Enjoy a variety of offers from worldwide travel, shopping & unique experiences.

•   How to use How to use Modal link

2024 Priceless Surprises

Your next purchase could be a chance to win big! From now until September 30, 2024, use your HSBC Credit Card and earn entries for each eligible purchase for a grand prize trip that suits your taste. Your HSBC Mastercard Credit Card could get you closer to your choice of one of the 14 dream destinations! Let your purchases create lasting memories for you.

•   Learn more Learn more Modal link

HSBC Travel Credit

Earn up   to  $400 per year for all airfare, hotels and car rentals  booked through HSBC Travel powered by Priceline®

Trusted Traveler Credit

Receive one statement credit every 54 months for the  $100 Global Entry®  application fee or up to $85.00 to cover towards your  TSA Precheck  Application fee.

Rewards for Miles

Rewards for Miles has expanded to include 11 airlines and 2 hotel partners.

•   How to use How to use Expedia offer Modal link

Unlimited Lounge Access

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

• Travel benefits
• Manage my account
• Lost or stolen card?

Everyday Value

Get 2 months of Instacart+ and $10 off your second order each month with your HSBC Elite Credit Card.

New subscribers get $3 off Peacock Premium or $5 off Peacock Premium Plus each month when they use their HSBC Elite credit card to subscribe. Stream new movies from theaters, hit series, exclusive originals, live sports, and more.

Take 3 rides, get a $5 Lyft App credit every month with your HSBC Credit Card.

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

MLB® Postseason™ Sweepstakes

You could be at the ballpark to see your favorite team play in the  MLB® Postseason™  – compliments of your HSBC Premier Mastercard® Credit Card. Enter weekly until 9/29/24, and if your team makes it to the 2024  MLB® Postseason™ , you could win two (2) tickets to a home game – even the  World Series® 

Visit  baseballsweeps.mastercard.com  to enter.

Get more from your Card

Cell phone coverage 2.

Get reimbursed up to $800 per claim, if your cell phone is stolen or damaged.

Mastercard Travel Rewards

Get exclusive offers from top brands in over 15 countries outside the U.S. including France, Hong Kong, U.K. and more when you use your HSBC Elite or Premier Credit Card. 8

•   Explore 200+ Offers Explore 200+ Offers Modal link

Amazon Shop with Points TM

Unlock the power of your rewards with Amazon Shop with Points. Redeeming your Credit Card Rewards Points on Amazon.com is easy. Simply link your credit card to Amazon, shop the incredible selection of products, and select HSBC Rewards at checkout to pay with your Points.

Enhanced Experiences

Priceless experiences®.

Enjoy hidden-gem experiences and special-access events virtually and worldwide.

Priceless Golf®

Play like never before, with priceless offers and global golf experiences.

Concierge Service

A personal assistant ready to help 24/7, worldwide.

• Peace of Mind

MasterRental™ Coverage 2

Receive coverage on most rental vehicles when you rent for 31 consecutive days or less with your HSBC Elite Credit Card.

Mastercard Travel & Lifestyle Services™ 2

You have access to a suite of benefits, amenities and upgrades, preferential treatment and premium travel offers  from best-in-class travel companies across hotels, air travel, tours, cruises, car rentals and more.

Travel Medical Insurance

If you have a medical emergency away from home, Travel Services Medical Protection Insurance can  help you get the best care.

Travel Accident Insurance 2

Receive accidental death or dismemberment insurance coverage up to $1 million when travelling.

Trip Cancellation Insurance 2

Pays a benefit of up to $1,500 per insured person in the event your trip is cancelled for a covered reason. 

Mastercard ID Theft Protection™ 2

Provides you with access to a number of Identity Theft resolution services, should you believe you are a victim of Identity Theft. 

Identity Fraud Expense Reimbursement 2

Reimburses for eligible expenses incurred in the process of restoring your credit, up to $1,000 per claim, resulting from identity fraud.

Purchase Assurance 2

Provides coverage for most new items purchased that are damaged or stolen within 90 days of the date of purchase, up to $1,000 per claim.

Price Protection 2

Reimburses for the difference in price, up to $250 per claim, on eligible items should you find the same item for a lower price.

Extended warranty 

Doubles the original manufacturer’s (or store brand) warranty up to 2 years.

Travel 

Peace of mind , world class rewards.

Get rewarded for every purchase you make 1 .

3× Points on Travel

Earn three Points per dollar spent on new airline, hotel, car rental purchases and more.

2× Points on Dining

Earn two Points per dollar spent on dining purchases. From your daily coffee shop to five star restaurants. 

Enroll to Earn Bonus Points 9

Earn 3X Points on fashion purchases from April 01, 2024, through June 30, 2024.

Earn one Point per dollar spent on all other purchases.

Monthly spend chart is for illustration purposes only. Your spending and Rewards Points may vary. 

60,000 Points, annually.

Redeem your points, your way!

20,000 Points

Can be redeemed for:

• $200 Cash Back
• Golf Equipment
• $300 trip booked with HSBC Travel

30,000 Points

Can be redeem for:

• $300 Cash Back
• $300 Dining Gift Card
• $450 trip booked with HSBC Travel

50,000 Points

• $500 Cash Back
• Robotic Vacuums
• $750 trip booked with HSBC Travel

Manage your card online 24/7

Tap & Go® for quick, secure payments

With Tap & Go® contactless payments, your HSBC Credit Card never leaves your hand. It’s not only secure but easier and faster than inserting or swiping your card for payments. 

So the next time you’re racing through a subway turnstile or grabbing a coffee on the way to work, make sure to keep your HSBC Credit Card at the top of your wallet.

You use your phone for everything else, why not purchases?

Add your HSBC Credit Card to a digital wallet and you can simply tap your phone to checkout at participating retailers. It’s quick, secure, and simple to set up. 

Plus, when you pay with mobile, you’ll also make it easier to:

• Shop online
• Make in-app purchases
• Pay with your smartwatch or tablet

Get started by adding your HSBC Credit Card today.

• Apple Pay®³   Apple Pay®³ This link will open in a new window
• Google Pay™⁴   Google Pay™⁴ This link will open in a new window
• Samsung Pay™⁵   Samsung Pay™⁵ This link will open in a new window
• Fitbit Pay™⁶   Fitbit Pay™⁶ This link will open in a new window
• Garmin Pay™   Garmin Pay™ This link will open in a new window

Important documents

• Download your HSBC Elite Credit Card Rewards & Benefits and Mastercard Guide to Benefits brochure Download your HSBC Elite Credit Card Rewards & Benefits and Mastercard Guide to Benefits brochure Download link
• Download your HSBC Mastercard credit card Cardmember Agreement. Download your HSBC Mastercard credit card Cardmember Agreement. Download link

Please note: This Cardmember Agreement contains the Terms & Conditions for all HSBC consumer credit card products. For information about your credit card account pricing and fees, contact us via Live Chat  at or call the number located on the back of your card.

Financial Wellness

Financial Wellness Center

Your Money Counts

Seven Reasons It’s Time to Go Cashless

1   How Points are earned:  You earn Points when you use your card to make new purchases (minus returns, credits and adjustments). Rewards Points earn rate applies after any introductory period.  Monthly spend chart is for illustration purposes only. Your spending and Rewards Points may vary. 

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.

You can receive Cash Back redemptions as a direct deposit or as a statement credit to your HSBC Elite World Elite 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.

2  Certain terms, conditions and exclusions apply. Cardholders need to register for this service. This service is provided by Iris® Powered by Generali. Please see your HSBC Elite World Elite Mastercard® credit card Rewards & Benefits and Mastercard Guide to Benefits brochure for details or call 1-800-MASTERCARD.

3  Apple Pay works with iPhone 6 and later in stores, apps, and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2, and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, see https://support.apple.com/km207105 .

Apple, the Apple logo, Apple Pay, Apple Watch, iPad, iPhone, Mac, Safari, and Touch ID are trademarks of Apple, Inc., registered in the U.S. and other countries.  iPad Pro is a trademark of Apple Inc.

4  Google Pay is a trademark of Google LLC.

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Comparative investigations of aftersintering of UO 2 fuel pellets

• Theory and Processes of Formation and Sintering of Powdered Materials
• Published: 06 May 2010
• Volume 51 , pages 173–176, ( 2010 )

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• V. V. Basov 1  

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The basic parameters of comparative tests of UO 2 fuel pellets produced by the technology of powder metallurgy for aftersinterability using their repeated thermal treatment (aftersintering) in different gas media, namely, with and without humidification, are presented. The results of an evaluation of the level of aftersinterability of these pellets by different procedures is presented, they are analyzed, and a substantiation of the expediency of using this operation manual for evaluating afersintering without the humidification of the gas medium developed at the OAO Machine Building Works (MSZ), Elektrostal’, Moscow oblast, is presented.

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Basov, V.V., Opredelenie kharacteristik termicheskoi stabil’nosti toplivnykh tabletok tipov “R”, “R-E”, “V”: Metodika (tekhnologicheskaya instruktsiya) (Determination of Characteristics of Thermal Stability of Fuel Pellets of Types “R”, “R-E”, and “V”: Procedure (Technological Instruction), Electrostal’: OAO MSZ, 1999.

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Original Russian Text © V.V. Basov, 2009, published in Izvestiya VUZ. Poroshkovaya Metallurgiya i Funktsional’nye Pokrytiya, 2009, No. 3, pp. 27–30.

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Basov, V.V. Comparative investigations of aftersintering of UO 2 fuel pellets. Russ. J. Non-ferrous Metals 51 , 173–176 (2010). https://doi.org/10.3103/S1067821210020185

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Published : 06 May 2010

Issue Date : April 2010

DOI : https://doi.org/10.3103/S1067821210020185

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Support / Resistance

vs USD  0.6312 / 0.6586   ⬇

AUD fell against the dollar yesterday slumped on Fed officials’ comments and after the downbeat Australian employment data, with a slight increase in the unemployment rate casting shadows over RBA forecasts. AUDUSD fell 0.22% yesterday while AUDHKD ended at 5.02 level.

vs USD  1.0533 / 1.0819   ⬇

EUR weakened against the dollar yesterday as the USD rose against major peers. ECB President Lagarde said the ECB will monitor exchange rates “very carefully” as “we have to look at how foreign-exchange variations affect inflation. EURUSD fell 0.26% yesterday while EURHKD ended at 8.33 level.

vs USD  1.2321 / 1.2629   ⬇

GBP fell against the dollar yesterday amid dismal market mood and the USD recovery amid expectations that the Fed will keep interest rates higher for a longer period. GBPUSD fell 0.09% yesterday while GBPHKD ended at 9.73 level.

vs USD   0.5812 / 0.6036   ⬇

NZD fell against the dollar yesterday as market sentiment turns risk-averse and after USD rebounded on Fed's hawkish stance. While the RBNZ is expected to pivot to rate cuts starting in November. NZDUSD fell 0.24% yesterday while NZDHKD ended at 4.62 level. 

vs USD   7.2280 / 7.2448   ⬆

CNH ended lower against the dollar yesterday as USD gains ground on strong labor market data and also as Fed's stance remains hawkish. While the PBOC vowed to maintain yuan stability. USDCNH rose 0.08% yesterday while CNHHKD ended at 1.08 level.

vs USD   1.3545 / 1.3916   ⬇

CAD ended slightly stronger against the US dollar yesterday, unable to sustain earlier gains as the gap between Canada's 2- year yield and US equivalent widened to 75 bps. CAD did not get any support from oil prices which remained nearly flat. USDCAD fell 0.04% yesterday while CADHKD ended at 5.68 level. 

vs USD   152.03 / 156.01    ⬆

JPY ended lower against the dollar yesterday, hovering close to 34-year low of 154.79 hit on Tuesday. BoJ Governor Kazuo Ueda said the central bank may raise interest rates again if the yen declines significantly push up inflation. USDJPY rose 0.16% yesterday while JPYHKD ended at 5.06 level. 

vs USD   0.9028 / 0.9183    ⬇

CHF ended weaker against the US dollar yesterday as the USD strengthened across the board. In the near term, CHF is expected to face more downside as the SNB is expected to reduce interest rates further. USDCHF rose 0.16% yesterday while CHFHKD ended at 8.58 level.

vs USD   1.3479 / 1.3715   ⬇

SGD ended weaker against the US dollar yesterday as the USD strengthened against a basket of currencies while US treasury yields rose to 5-month high after comments from Fed officials saying there is no urgent need to cut rates. USDSGD rose 0.12% yesterday while SGDHKD ended at 5.74 level. 

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Investment Daily: US stocks fell on higher bond yields, with Fedspeak and earnings in focus

19 Apr 2024

Key takeaways

• US stocks and Treasuries fell on hawkish Fedspeak.
• European stocks rose, as government bonds fell .
• Asian equities were mostly higher.

US equities traded broadly lower on Thursday amid higher Treasury yields, with Fedspeak and corporate earnings in focus. The S&P 500 and Nasdaq slid 0.2% and 0.5%, respectively, while the Dow Jones Industrial Average edged up 0.1% 

US Treasuries fell (yields rose) as hawkish comments by some Fed officials lowered market expectations of interest rate cuts this year. 10-year yields were up 4bp to 4.63%.       

European stocks rose on Thursday as oil prices eased. The Euro Stoxx 50 index was up 0.5%. The German DAX and French CAC increased 0.4% and 0.5% respectively. In the UK, the FTSE-100 gained 0.4%.

European government bonds fell (yields rose), driven by weaker US Treasuries amid ongoing concerns the Fed could keep interest rates higher for longer. 10-year German yields rose 4bp to 2.50%, as 10-year French yields increased by 2bp to 3.02%. Peripherals flat-lined. In the UK, 10-year gilt yields edged up 1bp to 4.27%.

Asian stock markets  broadly rose on Thursday as stabilising Asian FX and an upbeat quarterly result from a major chipmaker in the region supported investor sentiment. Japan’s Nikkei 225 advanced 0.3%, with tourism-related stocks outperforming following robust foreign visitor spending data, as Korea’s Kospi jumped 2.0%. China’s Shanghai Composite edged up 0.1%, with regulatory moves in focus, while Hong Kong’s Hang Seng ended 0.8% higher. Meanwhile, India’s Sensex was down 0.6%.

Crude oil prices traded sideways on Thursday as investors continued to weigh geopolitical risks and US interest rate outlook. WTI crude for May delivery settled at USD82.7 a barrel. 

Key Data Releases and Events

US existing home sales fell 4.3% mom in March, partially reversing February’s 9.5% mom increase.

Releases due today (19 April 2024)

Japan ’s core-core CPI (which excludes fresh food and energy) was slightly below market consensus. It rose 2.9% yoy in March on moderating service prices growth after climbing 3.2% yoy in February.

UK retail sales are forecast to rise 0.3% mom in March after a flat reading in February.

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