hsbc everymile credit card travel insurance

HSBC EveryMile Credit Card

Looking for Rewards? You Came to the Right Place.

Sign up for free to explore our selection of gifts and claim yours today..

By continuing I agree to MoneySmart.hk’s Terms of Use and Privacy Policy

Already have an account? Login

Are you eligible?

• During the promotional period, you can enjoy an extra $800 RewardCash if you fulfill the requirements under (a) to (c): 
• (a) successfully apply for an Eligible Credit Card via HSBC website, HSBC Personal Internet Banking or HSBC HK App; and  (b) successfully complete the Registration via the designated website; and (c) make Eligible Transactions of HK$8,000 or above with the Eligible Credit Card within the first 60 calendar days after card issuance.

Extra $200 RewardCash for new credit card customers who successfully apply for a Cash Instalment Plan

What you need to know

• After clicking MoneySmart’s designated link, please complete the application from asap; Do not open another web page.

All Details

Key features.

You do not need to repay the first 2-month’s statement balances without finance charge or late charge to enjoy financial flexibility (for new credit card customers and upon physical card activation within the first 60 days of card issuance. No registration is required)

Annual fee waiver for the first year

Enjoy 15% off your worldwide hotel bookings all year round via the Agoda website by using the HSBC EveryMile Credit Card

6 Complimentary visits to the Plaza Premium Airport Lounge or free meals at selected airport dining outlets in Hong Kong and overseas per year

Cathay Pacific: Receive a HKD300 spending rebate when you make a single purchase of at least HKD5,000 on the Cathay Pacific app via Apple Pay or Google Pay

Complimentary travel insurance for you and your accompanying family members, enjoy special coverage on your mobile phone

Visa concierge services

Terms and Conditions Apply

To borrow or not to borrow? Borrow only if you can repay!

Best Credit Cards

Every HK$2 = 1 mile for spending in designated categories

HK$2 = 1 mile for overseas spending (till 31 December 2023)

HK$5 = 1 mile for local purchases

Welcome Offers

New credit card customers can enjoy an extra $800 RewardCash exclusively for online applications (equivalent to 20,000 miles)

Limited offer for HSBC Visa Credit Cards: New credit card customers may enjoy an extra limited time welcome offer of up to $300 RewardCashupon successful application of an HSBC Visa Gold Card for Students by 30 April 2024 and using the card to take an MTR ride

Existing credit card customers can enjoy $200 RewardCash offer

First year annual fee waiver

Annual Interest Rate and Fees

Minimum income requirements, card association, credit card features.

Disclaimer: At MoneySmart.hk, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. For any discrepancy in product information, please refer to the financial institution’s website for the most updated version. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

We have detected your browser is out of date.  For more information, please see our  Supported Browsers page.

HSBC Premier Credit Card

Unlimited rewards points with no expiration.

35k Introductory Offer

Earn 35,000 Rewards Bonus Points worth at least $400 in air travel – after spending $3,000 in the first 3 months from Account opening 2

2× Travel Points

You’ll earn 2× Rewards Points on new travel purchases – including airline, hotels, and car rentals

1× on all other purchases You’ll earn 1× Points per $1 spent

No Annual Fee 5

• No Foreign Transaction Fees
• Competitive Variable APR 5 of 21.24% to 25.24% on Purchases and Balance Transfers 

Redeem your points for rewards 

• Redeem Points for flights, hotel reservations and car rentals using our online travel site
• Book your own airline travel, and receive a statement credit to reimburse the cost
• Transfer your Points to air miles with participating airline partner 3

Cash Rewards

• Reward yourself with cash back
• Direct deposit to your HSBC bank account 
• Statement credits can be applied to your HSBC card account

• More than 100 brands in variable denominations 3
• Find the perfect fit across dining, travel, shopping, and entertainment 3
• Macy's, Starbucks, Home Depot®, Amazon.com, and Best Buy® are a few of the most popular in this vast collection 3

Merchandise

• A collection of over 3,000 items with new ones added every week 3
• Shop categories from luggage to electronics, kitchenware to fashion, and everything in-between 3
• Find top brands including Bose, Apple, Tumi, Dyson, Kate Spade New York, and many more 3

Explore this card

Travel benefits, everyday values and experiences, peace of mind.

Up to $85 TSA Precheck(R) Credit Receive one Statement Credit every 54 months, to cover up to $85 towards your  TSA Precheck  Application fee 6 .

(Not applicable towards the Global Entry Fee)

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. 3

Rewards For Miles

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

•   Learn More Learn More Modal link

View more travel benefits 

No Foreign Transaction Fees There are no added costs when using your card to make purchases in a foreign country.

MasterRental TM Coverage Provides protection for physical damage and theft to most rental vehicles 4 .

Mastercard Travel & Lifestyle Services TM  Connects you with access to luxury travel benefits, amenities and upgrades at some of the most sought-after travel destinations either by phone, email or a personalized online platform 4 .

Travel Accident Insurance Receive accidental death or dismemberment coverage of up to $1,000,000 when traveling 4 .

Trip Cancelation Insurance Reimburses you for your prepaid, non-refundable expenses in case you have to cancel your trip for a covered reason 4 .

Hotel and Motel Burglary Insurance Get reimbursed 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 4 .

Lost Luggage Insurance Get reimbursed up to $1,500 per claim for checked or carry-on luggage that is lost or damaged while traveling on a common carrier 4 .

Baggage Delay Insurance Get reimbursed 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 4 .

Mastercard ® Airport Concierge Enjoy a 15% savings on Airport Meet and Greet services. Arrange for a personal, dedicated Meet and Greet agent to escort you through the airport on departure, arrival or any connecting flights at over 450 destinations worldwide 4 .

Priceless Experiences

Get exclusive, once in a lifetime experiences in the cities where you live, shop and travel.

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

Take 3 rides, get a $5 Lyft App credit every month with your HSBC Credit Card. 4

Priceless Golf®

Discounted access to select golf courses, complimentary grounds passes for PGA Tournaments, Priceless Lessons with PGA Tour professional and much more.

Mastercard ID Theft Protection TM 

If your identity is compromised, you’ll receive one-on-one support until your claim is resolved 4 .

Identity Fraud Expense Reimbursement

Provides expense reimbursement in the event your identity is compromised through identity fraud 4 .

Cellular Wireless Telephone Protection

Provides reimbursements up to $600 per claim if your cellphone is stolen or damaged 4 .

Tap & Go® with any HSBC Credit Card

Tap & Go® contactless payments are faster than swiping or inserting your card for payment.

• 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 Premier World Mastercard® credit card Rewards & Benefits and Mastercard Guide to Benefits brochure can be accessed here .

How to apply

To apply for an HSBC Premier World Mastercard® credit card, you must have an existing U.S. HSBC Premier checking 1 account relationship.

I have an HSBC Premier checking account relationship

New to HSBC

To apply for an HSBC Premier World Mastercard® credit card 1 , 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 Premier World Mastercard® credit card.

Contact our 24/7 Premier Customer Relationship Center.

888.662.4722 (HSBC)

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

716.841.6866

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

• Wealth Center locator  

I do not have an HSBC Premier checking account relationship.

Applying to become an HSBC Premier client 1 has many benefits beyond access to the HSBC Premier World Mastercard® credit card.

• Learn more about HSBC Premier  

• Fraud Protection  

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

• FICO®  

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

• Mobile Payments  

All HSBC credit cards are compatible with Apple Pay®, Google Pay TM , Fitbit Pay TM , Garmin Pay TM and Samsung Pay TM .

1 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.

2 The 35,000 Rewards Bonus Points offer applies when you open a new HSBC Premier World 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 Bonus Points offer does not apply to account upgrades, account transfers, balance transfers, credit card checks, cash advances or overdrafts. Your HSBC Premier World Mastercard® credit card must be open and in good standing at the time of Bonus Points fulfillment. Allow 4-6 weeks after the Promotional Period has ended for the Bonus Points to post to your Account. Customers who have opened the same credit card product within the last 36 months are not eligible to receive the Rewards Program Bonus Points offer.

3  As an HSBC Elite or HSBC Premier credit cardholder, you do not need to enroll or register for the Mastercard Travel Rewards program. This program is available to you automatically, at no additional cost. Merchants may provide to eligible HSBC Elite and HSBC Premier Mastercard credit cardholders (“cardholder”) certain discounts, rebates or other benefits on the purchases of goods and services ("Offers") that will be available on the Mastercard Site. Merchants may also have different payment acceptance criteria for online purchases (e.g., debit or prepaid cards may not be accepted). Such Offers are subject to certain Terms & Conditions and may change at any time without notice to you. Payment acceptance criteria is determined by the merchant in its discretion and may be visible on the Merchant website. HSBC or Mastercard will not be liable for any loss or damage incurred as a result of any interaction between you and a merchant with respect to such Offers. Except as set forth herein, all matters, including but not limited to delivery of goods and services, returns, and warranties are solely and strictly between you and the applicable merchants. You acknowledge that HSBC or Mastercard does not endorse or warrant the merchants that are accessible through the Mastercard Site nor the Offers that they provide. If applicable, all offer redemption is dependent on merchant shipping policies and availability to cardholder's shipping address. For all offers that are specified as “unlock additional online offers” cashback is not earned on shipping, handling, tax or the purchase and/or use of gift vouchers, which for avoidance of doubt, includes gift cards, gift certificates, or any other similar cash equivalents. Terms and conditions apply, see https://www.us.hsbc.com/credit-card-resource-center/premier/#rewards for additional information.  All third party-trademarks are the property of the respective owners.

4  Certain restrictions, limits and exclusions apply. Visit https://www.lyft.com/mastercard for a full list of current merchant offers and applicable terms & conditions.

5  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 21.24% to 25.24%, depending on your credit worthiness, for the HSBC Premier World Mastercard® credit card . A variable Balance Transfer APR applies to balance transfers and will be 21.24% to 25.24%, depending on your credit worthiness. The variable Cash APR applies to cash advances and is 30.24%. These APRs will vary with the market based on the Prime Rate. For each billing cycle, variable APRs are calculated by adding a specified amount (“Spread”) to the U.S. Prime Rate published in the Money Rates table of The Wall Street Journal that is in effect on the last day of the month (“Prime Rate”). If the Prime Rate changes, the new APRs will take effect on the first day of your billing cycle beginning in the next month. The Minimum Interest Charge is $1.00. A Balance Transfer Fee of either $10 or 4%, whichever is greater, will apply on each balance transfer. A check fee of either $10 or 4%, whichever is greater, will apply on each check written for purposes other than Balance Transfer. A Cash Advance Fee of either $10 or 5%, whichever is greater, will apply on each cash advance transaction. There is no Annual Fee and no Foreign Transaction Fee. See Summary of Terms for details .

6  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 Mastercard® credit card Rewards and Benefits brochure and Mastercard® Guide to Benefits 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 credit cards are issued by HSBC Bank USA, N.A., subject to credit approval and requires a U.S. HSBC checking account relationship. To learn more, speak with an HSBC representative.

Deposit products offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.

Mastercard®, Tap & Go and the circles design are registered trademarks of Mastercard International Incorporated.

Mastercard® and the circles design are registered trademarks of Mastercard International Incorporated.

Google Pay is a trademark of Google LLC.

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.

Samsung, Samsung Pay, Galaxy S7 and Samsung Knox are trademarks or registered trademarks of Samsung Electronics Co., Ltd.  Other company and product names mentioned may be trademarks of their respective owners.   Screen images are simulated; actual appearance may vary.  Samsung Pay is available on select Samsung devices.

Fitbit, Fitbit Pay and the Fitbit Logo are trademarks, service marks and/or registered trademarks of Fitbit, Inc. in the Unites States and in other countries.

Garmin and Garmin logo are trademarks of Garmin, Ltd. or its subsidiaries and are registered in one or more countries, including the U.S. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.

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

Connect with us

New safety measure for Android device

Beware of apps from sources other than your phone’s official app stores which may contain malware. From 27 March 2024, new safety measure in the Android version of the HSBC Singapore app will be launched to protect you from malware. Read more on malware scams .

We use cookies to give you the best possible experience on our website. By continuing to browse this site, you give consent for cookies to be used. For more details, please read our Privacy Policy .

HSBC Travel Companion

Get ready to travel with hsbc.

• Protect yourself and enjoy travel insurance promotions
• Explore HSBC credit card promotion for hotels and flights bookings
• Earn cashback with one multicurrency account

Enjoy complimentary travel insurance promotion on selected HSBC credit cards

* Travel insurance coverage is underwritten by MSIG Insurance (Singapore) Pte. Ltd. HSBC Bank (Singapore) Limited is not the underwriter nor the distributor for this insurance plan. It is not an obligation of, deposit in or guaranteed by HSBC Bank (Singapore) Limited (Company Registration No. 201420624K).

1  HSBC Visa Infinite Credit Card Travel Insurance: Read the policy in detail . 

2  HSBC Premier Mastercard Credit Card: Read the policy in detail

3  HSBC Advance Credit Card: Read the policy in detail

4  HSBC Revolution Credit Card:  Read the policy in detail

5 HSBC TravelOne Credit Card: Read the policy in detail

Looking for a more comprehensive travel insurance plan? Check out our latest promotions for TravelSure .

Don't have an HSBC credit card?

Explore our exclusive promotions for hotel and flight bookings with your hsbc credit card.

From dining out to jetting off, find just what you're looking for. Get the latest travel deals and offers now!

Royal Caribbean

• Get 5% off on bookings & redeem a complimentary luggage   Get 5% off on bookings & redeem a complimentary luggage click here to view more details This link will open in a new window

Expires 31 Dec 2024

• 8% off hotel bookings   8% off hotel bookings click here to view more details This link will open in a new window

Apply for one today and get a Samsonite luggage worth SGD670, or SGD150 cashback. T&Cs apply .

• extra 7% off hotel bookings   extra 7% off hotel bookings extra 7% off hotel bookings This link will open in a new window

• 8% off worldwide hotel bookings   8% off worldwide hotel bookings click here to view more details about hotel bookings This link will open in a new window

Travel with your taste buds through global and sustainable dishes with One Planet Plate

Eating sustainably while on a holiday can be quite daunting, but it doesn’t mean that we have to stop paying attention to our environmental footprint while on the road.

One Planet Plate presented by HSBC aims to address the inherent problems in our food system, and has pulled together chefs from across the world to showcase dishes that celebrate local ingredients, produce zero waste and are low carbon footprint.

This opens up more opportunities for you to discover new sustainable restaurants and find out what delicious sustainable food actually looks, smells and tastes like in in Singapore and globally.

We've also partnered up with amazing restaurants so that you can explore a myriad of international cuisines right at your doorstep. View a range of exclusive credit card offers so you can shop and dine sustainably whilst in Singapore.

Travel and earn cashback with our multicurrency Everyday Global Account

Sign up now and receive preferential foreign exchange (FX) rates with our Everyday Global Account.  Terms and conditions apply .

Sign up for an account with us and enjoy the following benefits 

• $0 fee in 10 currencies for your retail purchases and cash withdrawals
• Free cash withdrawals at all HSBC ATMs worldwide
• Send money internationally faster with HSBC Global Money Transfers with no fees

Open an account today

New to hsbc.

You can apply faster with Myinfo via Singpass.

Already using online banking?

Unlock rewards easily with 1% cashback and enjoy up to sgd300 bonus cash rewards with everyday+, 1% cashback.

on all eligible spends on your HSBC Everyday Global Debit Card and GIRO bill payments .

1% p.a. Bonus Interest

on your incremental SGD average daily balances.

Receive a total of up to

in Cashback and Bonus Interest each month through HSBC Everyday+ Rewards Programme.

Plus, earn One-time Bonus Cash Reward

when you're new to the HSBC Everyday+ Rewards Programme.

Caps apply. For definition of the capitalized terms used here and further details on the HSBC Everyday+ Programme and applicable exclusions, please refer to the full terms and conditions here .

To qualify for HSBC Everyday+, simply:

Credit your salary or set up a regular deposit of at least SGD2,000/5,000 into your HSBC Everyday Global Account

Make 5 Eligible Transactions with your Everyday Global Debit Cards or any HSBC Credit Card

Deposit scheme

Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to SGD100,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

Protect yourself and enjoy travel insurance promotions 

Explore hsbc credit card promotion for hotels and flights bookings , earn cashback with one multicurrency account .

Unlock instant travel rewards and elevated travel experiences with HSBC TravelOne

• Redeem travel rewards instantly with a wide range of airline and hotel partners.
• Earn up to 2.4 miles (6× Reward points) for your spending.
• Suite of travel privileges including 4 complimentary airport lounge visits, travel insurance coverage of up to USD100,000, and more
• Get 20,000 miles (in the form of 50,000 Reward points) for new HSBC TravelOne credit cardholders.

Terms and conditions apply.

Connect with us

HSBC: How do I use the $100 HSBC Annual Travel Credit?

Following the acquisition of HSBC Bank by RBC , the HSBC World Elite ® Mastercard ® has now been discontinued since October 2023. For another great card with no conversion fees , consider the Scotiabank Passport™ Visa Infinite* Card.

$100 Annual Travel Enhancement Credit

With the HSBC World Elite MD Mastercard MD , you benefit from an annual $100 Travel Privilege credit . You must wait until the eligible travel expense has been charged to your account before you can use it, 60 days after the date of purchase.

You can use this travel credit for any purchase related to an airline ticket upgrade, baggage fees, seat selection or airport lounge admission. Some travel agencies may also qualify (such as Expedia ).

This credit must be used between the card purchase date and the annual renewal date (this credit is based on the anniversary date of your card account, not on the calendar year). If it is not used, it is lost.

You get this Travel-Privilege credit when subscribing to the HSBC World Elite ® Mastercard ® . This is in addition to the card’s other benefits, including the welcome bonus .

Access the HSBC Rewards portal

To use the Travel Privilège credit on your HSBC World Elite ® Mastercard ® , you must log in to your HSBC online account.

Then click on the link for your HSBC credit card. Another way is to go directly to the HSBC Rewards portal at this address .

Then click on ” View more details “.

When the details drop-down menu opens, click on ” Reward Points “. A page will open and you will be directed to the HSBC Rewards portal. Please make sure that your browser does not block this new window.

Choose the expense to apply the travel credit

Once on the HSBC Rewards portal, select “Travel Enhancement Credit ” from the” Travel ” menu. Alternatively, you can click on this link to go to this page.

Then all you have to do is check off the eligible expense( s) such as this Easyjet ticket upgrade. Then indicate the amount you would like to use.

This can be useful if you have several small fees (such as baggage fees, seat selection or airport lounge admissions).

Then click on “Add to shopping cart.”

Then, once in your cart, you will have to confirm once by clicking on “Proceed to checkout” .

Then a second time by entering your email address and clicking on “Redeem” .

The travel credit will then appear directly on your credit card account within 48 hours.

Note that travel expenses, such as with Expedia can also be accepted. Convenient for 100% cancelable hotel reservations .

Bottom Line

The HSBC World Elite ® Mastercard ® had an annual fee of $149. Using this $100 Annual Travel Privilège credit each year, you virtually lower your annual fee to $49 . What’s unique about a credit card :

• Mastercard World Elite (with insurance and accepted everywhere)
• No foreign currency conversion fees
• Earning 6 points per dollar on all travel purchases
• Earning 4 points per dollar for grocery, gas and drugstore purchases
• Earning 2 points per dollar on all purchases (including Costco)

And with reward points you can use on any travel purchase .

The HSBC World Elite MD Mastercard MD will be converted to an RBC credit card by the end of March 2024. Use your travel credit as soon as you can!

All posts by Audrey

Suggested Reading

Fraud warning

Please be cautious of any special offers you see on social media or via messages, and avoid opening links or downloading any apps you receive from these sources inviting you to register to benefit from special offers. These links or apps may contain malware that can take over your phone. Please also refrain from inputting your account information, passwords or any other personal information into such apps or websites. Learn more .

We use cookies to give you the best possible experience on our website. For more details please read our cookie policy . By continuing to browse this site, you give consent for cookies to be used.

Our website doesn't support your browser so please upgrade.

• 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

Everyday Global Account

The all-in-one savings account for your everyday needs, here in Malaysia and overseas.

Open an account online today in 3 simple steps.

Card features & services

Cash instalment plan.

Convert your available credit limit into instant cash.

Balance Transfer Instalment (BTI)

Consolidate all of the outstanding balances from your other credit cards to your HSBC credit card.

Cash Advance

Use cash advance for instant cash relief.

Mastercard Automatic Biller Update (Effective 12 June 2020)

HSBC Mastercard credit cardholders will automatically enjoy Mastercard Automatic Billing Updater (ABU) service. Mastercard ABU allows us to securely communicate cardholder’s account changes (credit card number updates) for card-on-file and recurring payments to participating merchants. This will help maintain existing recurring payment arrangements and reduce transaction declines that can occur due to such changes. Not all merchants participate in the ABU service. Complete the form to opt out of Mastercard Automatic Billing Updater (ABU) service.

More on credit card

Check out more credit card features.

Connect with us

Best Credit Cards & Banks with Airport Lounge Access (Hong Kong)

Looking for a little luxury during your travels through Hong Kong? Escape the airport crowds and experience the comfort of airport lounges with the help of credit cards and banks. Enjoy a range of features and benefits as many offers complimentary lounge visits, access to the Priority Pass network, and rewards programs to help enhance your journey.

Discover the different lounge programs available, including Priority Pass, Plaza Premium, Lounge Key, and Cathay Pacific Lounges. We’ll explore the unique amenities and eligibility criteria for each to ensure you find the perfect fit for your travel style and needs. Upgrade your airport experience with the best credit card or bank for you, and enjoy a little extra luxury on your travels through Hong Kong .

1. Citi Prestige Card

Why We Like It The Citi Prestige Card is one of the best travel credit cards in Hong Kong that offers a range of travel benefits and rewards. With this card, you can enjoy unlimited access to over 1,000 Priority Pass airport lounges worldwide. Additionally, you can earn reward points for every HKD 1 spent, which can be redeemed for travel, shopping, and dining. Below we have discussed many other benefits that come with this card, which would definitely help you make the right choice.

• Intro Offer: New customers can earn up to 120,000 reward points as a welcome gift upon card activation.

• Annual Fee: The annual fee for the Citi Prestige Card is HKD 3,800.

• Lounge Access Details: With the Citi Prestige Card, you can enjoy unlimited access to over 1,000 Priority Pass airport lounges worldwide. You can also bring one guest with you free of charge.

Get Citi Prestige Card Now!

2. american express explorer® credit card.

Why We Like It The American Express Explorer Credit Card offers a generous welcome bonus, travel credits, and travel insurance, making it an excellent choice for frequent travelers. It also offers access to the Global Lounge Collection program, providing cardholders with access to over 1,200 airport lounges worldwide.

• Intro Offer: The card offers a welcome bonus of up to 200,000 Membership Rewards points for new cardholders who meet the spending requirements.

• Annual Fee: HKD 2,800 per year

• Lounge Access Details: Cardholders can enjoy unlimited access to the American Express Global Lounge Collection program, which includes over 1,200 airport lounges worldwide, including Centurion Lounges, Plaza Premium Lounges, and Delta Sky Clubs.

Get American Express Explorer® Credit Card Now!

3. the platinum card®.

Why We Like It The Platinum Card is one of the most premium credit cards in Hong Kong, offering a range of exclusive travel benefits and rewards. Cardholders can earn Membership Rewards points on their spending, which can be redeemed for flights, hotel stays, and more. The card also offers comprehensive travel insurance and global concierge services, making it a great choice for frequent travelers.

• Intro Offer: New cardholders can earn up to 50,000 Membership Rewards points when they spend HK$15,000 within the first 3 months of card membership.

• Annual Fee: HK$7,800

• Lounge Access Details: Cardholders can enjoy unlimited access to over 1,000 airport lounges worldwide, including Priority Pass lounges, Centurion Lounges, and Delta Sky Clubs. They can also bring a guest with them for free.

Get The Platinum Card® Now!

4. hsbc everymile credit card.

Why We Like It With the HSBC EveryMile Credit Card, you can earn reward points on every transaction and redeem them for airline tickets, hotel stays, and more. Plus, the card offers complimentary travel insurance, airport lounge access, and discounts on dining, shopping, and entertainment.

• Intro Offer: New cardholders can enjoy welcome offers such as HKD 800 worth of spending rebate and extra 2,000 reward points.

• Annual Fee: The annual fee for the primary card is HKD 1,800.

• Lounge Access Details: The HSBC EveryMile Credit Card offers complimentary access to over 1,000 airport lounges worldwide through the LoungeKey program.

Get HSBC EveryMile Credit Card Now!

5. standard chartered cathay mastercard.

Why We Like It The Standard Chartered Cathay Mastercard is an excellent option for frequent travelers to Hong Kong, offering a range of travel benefits, including airport lounge access, priority check-in, and a wide range of travel insurance options. Cardholders can earn Asia Miles on all eligible spending, with accelerated earn rates for spending on Cathay Pacific flights and dining.

• Intro Offer: New cardholders can earn up to 60,000 Asia Miles by meeting specific spending requirements.

• Annual Fee: HKD 1,800

• Lounge Access Details: Cardholders receive complimentary access to over 1,000 Priority Pass airport lounges worldwide, including 5 visits per year for the primary cardholder and 2 visits per year for supplementary cardholders. Cardholders can also enjoy access to the Plaza Premium Lounge at Hong Kong International Airport.

Get Standard Chartered Cathay Mastercard Now!

Types of lounge programs in hong kong.

Priority Pass Priority Pass is a popular airport lounge access program that provides travelers with access to over 1,300 lounges in more than 600 cities worldwide. It offers access to independent lounges, as well as those run by airlines. Members of Priority Pass can enjoy various benefits such as comfortable seating, complimentary refreshments, and high-speed Wi-Fi. Priority Pass membership is available for purchase to anyone, regardless of their frequent flyer status or credit card membership.

Plaza Premium Plaza Premium is a global airport hospitality service provider that operates over 180 lounges in more than 50 airports worldwide. It offers lounge access to all travelers regardless of their airline or class of travel. Plaza Premium lounges are known for their stylish design, comfortable seating, and a wide range of amenities such as complimentary food and drinks, shower facilities, and business center services. Plaza Premium also offers additional services such as meet and greet, airport transfers, and spa services at selected locations.

LoungeKey LoungeKey is a lounge access program offered by Mastercard that provides cardholders with access to over 1,000 lounges in more than 130 countries. LoungeKey allows travelers to enjoy comfortable seating, complimentary refreshments, and high-speed Wi-Fi at participating lounges worldwide. Cardholders can also use their LoungeKey membership to purchase additional services such as spa treatments, meals, and shower facilities at selected locations. LoungeKey membership is available to Mastercard cardholders who have a valid credit, debit, or prepaid card.

Cathay Pacific Lounges (The Pier/The Wing) Cathay Pacific, the Hong Kong-based airline, operates several lounges in Hong Kong International Airport, including The Pier and The Wing. The lounges offer a wide range of amenities to travelers, including comfortable seating, complimentary food and drinks, high-speed Wi-Fi, and shower facilities. The lounges also provide a quiet and relaxing atmosphere for travelers to unwind before their flight. Access to the Cathay Pacific lounges is available to first and business class passengers, Marco Polo Club members, and oneworld frequent flyers with Emerald and Sapphire status.

Hong Kong Airport Lounge FAQ

Can I access China or Singaporean lounges with a Hong Kong credit card? It depends on the specific lounge program and credit card. Some lounge programs, such as Priority Pass, have lounges in China and Singapore that can be accessed with a Hong Kong credit card. However, it is important to check with the lounge program or credit card issuer to confirm which lounges can be accessed with the card. Additionally, some lounges may have specific entry requirements, such as a certain airline membership or class of service, so it is important to check these requirements before attempting to access the lounge.

Can I access other Asian countries lounges with a Hong Kong credit card? Yes, it is possible to access other Asian countries’ lounges with a Hong Kong credit card that offers lounge access benefits. However, the availability of lounges and access requirements may vary depending on the specific credit card and lounge program. It is recommended to check with the credit card provider or the lounge program for details on participating lounges and access policies.

Which Hong Kong credit card offers free lounge access? (i.e., no annual fee) There are very few credit cards in Hong Kong that offer free airport lounge access without an annual fee. However, some credit cards may offer limited complimentary lounge access or discounted lounge rates. Here are a few credit cards that offer free airport lounge access:

• Citibank Clear Card: Offers 2 complimentary lounge visits per year at Plaza Premium Lounges in Hong Kong International Airport. • Citibank Ultima Card: Offers unlimited access to Priority Pass lounges worldwide. • Standard Chartered Asia Miles Mastercard: Offers 2 complimentary visits per year to Plaza Premium Lounges in Hong Kong International Airport. • American Express Platinum Credit Card: Offers complimentary access to over 1,200 airport lounges worldwide through the Priority Pass program. • HSBC Visa Signature Card: Offers 1 complimentary access per year to designated Plaza Premium Lounges in Hong Kong International Airport.

Note that some credit cards may have certain conditions or restrictions that apply, so it is important to read the terms and conditions carefully before applying for a credit card.

Which Hong Kong banks offer airport lounge access? In Hong Kong, several banks offer airport lounge access as a benefit for their credit cardholders. These banks include:

• Citibank • HSBC • Standard Chartered Bank

It’s important to note that lounge access may vary depending on the specific credit card and the level of access it provides. Some credit cards may only provide access to certain lounges or have limited access, while others may provide unlimited access to a wider range of lounges. It’s best to check with the bank directly or review the credit card’s terms and conditions for more information on lounge access.

Conclusion In conclusion, airport lounge access is a highly sought-after feature for frequent flyers, providing a comfortable and convenient experience before boarding their flights. With the rise of premium credit cards, many banks and credit card issuers have started offering complimentary access to airport lounges, providing a competitive edge to their products.

While most of the credit cards require payment of annual fees, some cards offer lounge access with no annual fees, such as the HSBC Red Credit Card and Bank of China Travel Credit Card. It is important to note that the lounge access policies may vary depending on the credit card issuer and the lounge program. Before applying for a credit card, it is advisable to check the details of the lounge access program, including the eligible lounges, guest access, and any other fees or restrictions.

Overall, credit cards with airport lounge access provide a great value proposition for frequent travelers, offering an enhanced travel experience and added benefits such as travel insurance, rewards points, and other perks. It is worth considering these credit cards if you are a frequent traveler and want to make the most out of your airport experience .

• Health & Leisure

MTR Red Hot Stamp Card Reward

• The brand new Travel Guru membership programme
• Red Hot Spending Rewards - Mainland China & Macau
• HSBC Credit Card - Enrich your lifestyle with rewards
• Hong Kong MX
• Jade Garden
• Red Hot Shopping Special - MTR Malls
• Red Hot Travel Special – Mainland China & Macau
• Hong Kong Restaurant Week Spring 2024 – Winners' Edition
• Hotel Dining
• Chinese Cuisine
• Western Cuisine
• Japanese and Asian Cuisine
• HSBC EveryMile Credit Card Exclusive Overseas Spending Offer
• Emperor Cinemas
• Lai Sun Dining
• Cathay Pacific app
• Year-round Offers
• Earn & Burn RewardCash
• Red Hot Rewards of Your Choice
• HSBC Reward+ App
• Spending Instalment Plan
• HSBC EveryMile Credit Card
• HSBC Red Credit Card
• HSBC Visa Signature Card
• HSBC Visa Platinum Card
• HSBC Visa Gold Card
• HSBC Pulse UnionPay Dual Currency Diamond Credit Card
• HSBC UnionPay Dual Currency Card
• HSBC Visa Gold Card for Students

• Selected Dining Outlets

Every trip, no matter your destination, lets you effortlessly earn RewardCash with just a tap of your HSBC Visa Credit Card! Whether you're travelling above ground or below, one tap is all it takes to earn more!

HSBC Visa Credit Card is now compatible with all modes of transportation, including buses, trams, and even the MTR. Enjoy a preferential mile conversion rate of every HK$2 spent = 1 mile with HSBC EveryMile Credit Card, every journey can become more rewarding! Use designated HSBC Visa Credit Cards on the MTR to enjoy up to an extra $40 RewardCash and 3 lucky draw chances to win《Katch the POP》concert tickets !  

From 8 March until 30 April 2024, earn one stamp for HK$5 or more spent on MTR fares with your HSBC Visa Credit Card. Collect a designated number of stamps to earn up to an extra $40 RewardCash during the promotional period. Register now on the HSBC Reward+ app.

3 Lucky Draw Chances to Win《Katch the POP》Concert Tickets

From 8 March until 15 May 2024, use your HSBC Visa Credit Card on the MTR to enjoy 3 lucky draw chances of winning concert tickets , so that you can get the chance to witness a spectacular performance. Click here to register now on Visa designated enrolment webpage.

So, make sure to use your HSBC Visa Credit Card wherever you go. Don't have one yet? Apply online now and tap to take MTR ride to enjoy a limited time welcome offer of up to $1,300 RewardCash .

Designated HSBC Visa Credit Cards:

How to enjoy the HSBC Visa Credit Card Limited Time Welcome Offer?

Use your RewardCash just the way you like. Download Reward+ to start enjoying the experience.

HSBC Credit Card, the best credit card in town * . The one that has it all.

Please read the following remarks.

* According to Online Credit Card Survey conducted by Ipsos in Hong Kong (2023) (Sample size = 1,000 credit card holders in Hong Kong).

• Click here for details of the 'HSBC EveryMile Visa Credit Card Offer'.
• Terms and Conditions apply for 'HSBC Credit Card Welcome Offer', click here for details.
• Terms and Conditions apply for 'HSBC Visa Credit Card x MTR Limited Time Welcome Offer', click here for details.
• Terms and Conditions apply for 'New Credit Card Customer Cash Instalment Plan Promotion', click here for details.
• (a) HSBC EveryMile Credit Card cardholders can enjoy a preferential rate when converting their RewardCash to miles or points for frequent flyer programmes and hotel loyalty programmes on HSBC Reward+ app. The latest preferential rate is $1 RewardCash to 20 miles/points. (b) HSBC EveryMile Credit Card cardholders can earn a 2.5% RewardCash rebate for designated everyday spend and a 1% RewardCash rebate for other local and overseas purchases. Some transactions may not be eligible for this special reward, click here for details. Considering (a) and (b), cardholders can enjoy a mile earning rate of HKD2 or HKD5 = 1 mile respectively.
• You can register for 'MTR Red Hot Stamp Card Reward' via the HSBC Reward+ app.
• You can receive a maximum of one MTR stamp per day.

Apple is a trademark of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play™ is a trademark of Google LLC.

Click here for 'MTR Red Hot Stamp Card Reward' Terms and Conditions

Click here for '《Katch the POP》Concert Tickets Lucky Draw' Terms and Conditions

Call 2748 8033 Visit www.hsbc.com.hk/creditcard

To borrow or not to borrow? Borrow only if you can repay! Reference number: Y24-U8-CAMH0510

• Terms of Use
• Privacy and Security
• Hyperlink Policy

© Copyright. The Hongkong and Shanghai Banking Corporation Limited 2002-2023. All rights reserved.

This website is designed for use in Hong Kong. Cross-border disclosure Cross-border disclosure This link will open in a new window

為保障您的個人資料，建議使用Chrome開啟此網站。 請點擊右上角「分享」然後點選「於Chrome中開啟」。

Are you an HSBC Internet Banking Customer?

Yes, login with pre-filled information No, apply in a few steps

New safety measure for Android device

Beware of apps from sources other than your phone’s official app stores which may contain malware. From 26 Feb 2024, new safety measure in the Android version of the HSBC HK App will be launched to protect you from malware. Learn more .

We use cookies to give you the best possible experience on our website. By continuing to browse this site, you give consent for cookies to be used. For more details please read our Cookie Policy .

• HSBC Online Banking
• Register for Personal Internet Banking
• Stock Trading
• Business Internet Banking

FX Viewpoint Flash: Fed hold hits USD

Key takeaways

• The Fed held rates steady, saying the FOMC’s confidence on inflation has not improved; QT to slow from June onwards.
• Our economists now expect just one 25bp cut in 2024 (75bp previously) and 75bp of cuts in 2025 (unchanged).
• The USD is likely to be on the backfoot over the very near term, before showing more resilience in the months ahead.

The Fed kept rates unchanged for a sixth straight meeting, as widely expected

At its 30 April-1 May policy meeting, the Federal Open Market Committee (FOMC) voted unanimously to hold the federal funds target range unchanged at 5.25- 5.50% , as widely expected. This was the sixth consecutive meeting in which the target rate was kept unchanged; the most recent policy rate change was a 25bp hike back in July 2023.

The Fed said there is a lack of inflation progress, but signalled rate hikes are unlikely

As for the statement, the changes to the text were broadly minimal, while the FOMC added a new sentence which states: “In recent months, there has been a lack of further progress toward the Committee’s 2 percent inflation objective .” However, this should hardly be a surprise, as US core PCE inflation has been little changed over the past four months, falling only marginally from 2.9% in December and January to 2.8% in February and March (Bloomberg, 26 April 2024). In the press conference, the Federal Reserve (Fed) Chair Jerome Powell noted that inflation was proving “more persistent than expected ”. When asked specifically about the risk that rates might even have to be increased, Fed Chair Powell said that it was “unlikely” that the next policy rate move would be a hike . This fed into some USD softness.

Our economists now see only one 25bp cut in 2024

Given the accumulation of data this year showing resilient economic growth and sticky core inflation in the US, our economists now expect only one 25bp rate cut in 2024 (75bp previously) and 75bp of rate cuts in 2025 (unchanged). Markets currently price in 33bp of rate cuts by the Fed in 2024 ( Bloomberg , 2 May 2024).

The Fed announced that it will slow its pace of QT, starting from 1 June

The FOMC announced that the cap on redemptions of US Treasury securities on the Fed’s balance sheet will fall to USD25bn per month as of 1 June 2024, down from USD60bn per month currently. As a result, our economists estimate that overall quantitative tightening (QT) , including ongoing reductions in the Fed’s holdings of mortgage-backed securities, will fall to cUSD45bn per month from cUSD80bn per month. The Fed has made it clear that the primary tool to achieve its dual mandate is the policy rate . The slower QT pace is mostly just a technical decision, rather than a clear signal in itself, and one that should not be seen as USD negative.

We expect the USD to strengthen modestly in the weeks and months ahead

The US Dollar Index (DXY) fell below 106 after the FOMC decision and comments, and the USD is likely to be on the backfoot over the very near term , in our view. Beyond the FOMC decision, the USD’s broad direction is more likely to be determined by the interplay of risk appetite and relative rates, with any positive momentum on the former to undermine the USD. Relative rates should offer some support to the USD if other central banks, most notably in Europe, show more dovish momentum in the weeks and months ahead. That remains our central case.

Related Insights

FX Viewpoint: USD to grind higher over the near term  

FX Viewpoint Flash: USD-JPY beyond 156 after the BoJ’s decision  

FX Trends: USD to extend rally, but…  

FX Viewpoint: Gold hit record highs, despite a firm USD  

Disclosure appendix.

Important disclosures

This document is for information purposes only and it should not be regarded as an offer to sell or as a solicitation of an offer to buy the securities or other investment products mentioned in it and/or to participate in any trading strategy. Information in this document is general and should not be construed as personal advice, given it has been prepared without taking account of the objectives, financial situation or needs of any particular investor. Accordingly, investors should, before acting on it, consider the appropriateness of the information, having regard to their objectives, financial situation and needs. If necessary, seek professional investment and tax advice.

Certain investment products mentioned in this document may not be eligible for sale in some states or countries, and they may not be suitable for all types of investors. Investors should consult with their HSBC representative regarding the suitability of the investment products mentioned in this document and take into account their specific investment objectives, financial situation or particular needs before making a commitment to purchase investment products.

The value of and the income produced by the investment products mentioned in this document may fluctuate, so that an investor may get back less than originally invested. Certain high-volatility investments can be subject to sudden and large falls in value.

that could equal or exceed the amount invested. Value and income from investment products may be adversely affected by exchange rates, interest rates, or other factors. Past performance of a particular investment product is not indicative of future results.

HSBC and its affiliates will from time to time sell to and buy from customers the securities/instruments (including derivatives) of companies covered in HSBC Research on a principal or agency basis.

Whether, or in what time frame, an update of this analysis will be published is not determined in advance.

Additional disclosures

1. This report is dated as at 02 May 2024.

2. All market data included in this report are dated as at close 01 May 2024, unless a different date and/or a specific time of day is indicated in the report.

3. HSBC has procedures in place to identify and manage any potential conflicts of interest that arise in connection with its Research business. HSBC's analysts and its other staff who are involved in the preparation and dissemination of Research operate and have a management reporting line independent of HSBC's Investment Banking business. Information Barrier procedures are in place between the Investment Banking, Principal Trading, and Research businesses to ensure that any confidential and/or price sensitive information is handled in an appropriate manner.

4. You are not permitted to use, for reference, any data in this document for the purpose of (i) determining the interest payable, or other sums due, under loan agreements or under other financial contracts or instruments, (ii) determining the price at which a financial instrument may be bought or sold or traded or redeemed, or the value of a financial instrument, and/or (iii) measuring the performance of a financial instrument or of an investment fund.

This document is prepared by The Hongkong and Shanghai Banking Corporation Limited (‘HBAP’), 1 Queen’s Road Central, Hong Kong. HBAP is incorporated in Hong Kong and is part of the HSBC Group. This document is for general circulation and information purposes only. This document is not prepared with any particular customers or purposes in mind and does not take into account any investment objectives, financial situation or personal circumstances or needs of any particular customer. HBAP has prepared this document based on publicly available information at the time of preparation from sources it believes to be reliable but it has not independently verified such information. The contents of this document are subject to change without notice.

HBAP is not responsible for any loss, damage or other consequences of any kind that you may incur or suffer as a result of, arising from or relating to your use of or reliance on this document. HBAP gives no guarantee, representation or warranty as to the accuracy, timeliness or completeness of this document.

This document is not investment advice or recommendation nor is it intended to sell investments or services or solicit purchases or subscriptions for them. You SHOULD NOT use or rely on this document in making any investment decision or decision to buy or sell currency. You SHOULD consult your professional advisor in your jurisdiction if you have any questions regarding the contents of this document.

You SHOULD NOT reproduce or further distribute the contents of this document to any person or entity, whether in whole or in part, for any purpose. This document may not be distributed to the US, or any other jurisdiction where its distribution is unlawful.

In Greece, this document is distributed by HSBC Continental Europe, Greece to its customers for general reference only.

Jersey, Guernsey and Isle of Man

In Jersey, Guernsey and the Isle of Man, this document is distributed to its customers for general reference only by HSBC Bank plc Jersey branch, HSBC Bank plc Guernsey branch and HSBC Bank plc in the Isle of Man.

Mainland China

In mainland China, this document is distributed by HSBC Bank (China) Company Limited (“HBCN”) to its customers for general reference only. This document is not, and is not intended to be, for the purpose of providing securities and futures investment advisory services or financial information services, or promoting or selling any wealth management product. This document provides all content and information solely on an "as-is/as-available" basis. You SHOULD consult your own professional adviser if you have any questions regarding this document.

In Hong Kong, this document is distributed by HBAP to its customers for general reference only. HBAP is not responsible for any loss, damage or other consequences of any kind that you may incur or suffer as a result of, arising from or relating to your use or reliance of this document. HBAP gives no guarantee, representation or warranty as to the accuracy, timeliness or completeness of this document.

In Malaysia, this document has been prepared by HBAP is issued and distributed by HSBC Bank Malaysia Berhad (127776-V) / HSBC Amanah Malaysia Berhad (807705-X) (the "Bank"). The Bank is not responsible for any loss, damage or other consequences of any kind that you may incur or suffer as a result, of arising from or relating to your use of or reliance on this document.

In Singapore, this document is distributed by HSBC Bank (Singapore) Limited (“HBSP”) pursuant to Regulation 32C of the Financial Advisers Regulations, to its customers for general reference only. HBSP accepts legal responsibility for the contents of this document, and may be contacted in respect of any matters arising from, or in connection with, this document. Please refer to HBSP’s website at www.hsbc.com.sg for its contact details.

In Taiwan, this document is distributed by HSBC Bank (Taiwan) Limited, [13F/14F No 333, section 1 Keelong Rd, Taipei] to its customers for general reference only. HSBC Bank (Taiwan) Limited is not responsible for any loss, damage or other consequences of any kind that you may incur or suffer as a result of, arising from or relating to your use or reliance of this document. Clients of HSBC Bank (Taiwan) Limited should contact their relationship manager in respect of any matters arising from or in connection with this document.

United Arab Emirates

In the UAE, this document is distributed by HSBC Bank Middle East Limited (“HBME”) U.A.E Branch, P.O.Box 66, Dubai, U.A.E, which is regulated by the Central Bank of the U.A.E and lead regulated by the Dubai Financial Services Authority. HBME is not responsible for any loss, damage or other consequences of any kind that you may incur or suffer as a result of, arising from or relating to your use of or reliance on this document.

In India, this document is distributed for general reference by The Hongkong and Shanghai Banking Corporation Limited, India (HSBC India), having its India corporate office at 52/60, Mahatma Gandhi Road, Fort, Mumbai 400 001. HSBC India is not responsible for any loss, damage or other consequences of any kind that you may incur or suffer as a result of, arising from or relating to your use of or reliance on this document. HSBC India gives no guarantee, representation or warranty as to the accuracy, timeliness or completeness of this document and clients should contact their relationship manager in respect of any clarifications arising from or in connection with this document.

United Kingdom

In the United Kingdom, this document is distributed by HSBC UK Bank Plc (“HSBC”), 1 Centenary Square, Birmingham BI IHQ United Kingdom which is owned by HSBC Holdings plc. HSBC is incorporated under the laws of England and Wales with company registration number 9928412 and is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our firm reference number is 765112. HSBC gives no guarantee, representation or warranty as to the accuracy, timeliness or completeness of this video or the information contained within it.

This document is distributed by HSBC Bank Australia Limited ABN 48 006 434 162, AFSL/ACL 232595 (HBAU). HBAP has a Sydney Branch ARBN 117 925 970 AFSL 301737.The statements contained in this document are general in nature and do not constitute investment research or a recommendation, or a statement of opinion (financial product advice) to buy or sell investments.This document has not taken into account your personal objectives, financial situation and needs. Because of that, before acting on the document you should consider its appropriateness to you, with regard to your objectives, financial situation, and needs.

Miscellaneous

Notwithstanding this document is not investment advice, please be aware of the following for the sake of completeness. Past performance is not an indication of future performance. The value of any investment or income may go down as well as up and you may not get back the full amount invested. When an investment is denominated in a currency other than the local currency of an investor, changes in the exchange rates may have an adverse effect on the value, price or income of that investment. Where there is no recognised market for an investment, it may be difficult for an investor to sell the investment or to obtain reliable information about its value or the extent of the risk associated with it.

This document contains forward-looking statements which are, by their nature, subject to significant risks and uncertainties. Such statements are projections, do not represent any one investment and are used for illustration purpose only. Customers are reminded that there can be no assurance that economic conditions described herein will remain in the future. Actual results may differ materially from the forecasts/estimates. No assurance is given that those expectations reflected in those forward-looking statements will prove to have been correct or come to fruition, and you are cautioned not to place undue reliance on such statements. No obligation is undertaken to publicly update or revise any forward-looking statements contained in this document or any other related document whether as a result of new information, future events or otherwise.

The Hongkong and Shanghai Banking Corporation Limited, its affiliates and associates and their respective officers and/or employees, may have interests in any products referred to in this document by acting in various roles including as distributor, holder of principal positions, adviser or lender. The Hongkong and Shanghai Banking Corporation Limited, its affiliates and associates,and their respective officers and employees, may receive fees, brokerage or commissions for acting in those capacities. In addition, The Hongkong and Shanghai Banking Corporation Limited, its affiliates and associates, and their respective officers and/or employees, may buy or sell products as principal or agent and may effect transactions which are not consistent with the information set out in this document.

© Copyright 2024. The Hongkong and Shanghai Banking Corporation Limited, ALL RIGHTS RESERVED. No part of this document may be reproduced, stored in a retrieval system, or transmitted,on any form or by any means, electronic, mechanical, photocopying, recording or otherwise, without the prior written permission of The Hongkong and Shanghai Banking Corporation Limited.