Chip Lupo, Credit Card Writer
The HSBC categories for bonus credit card rewards are travel, dining, depending on the card. When cardholders make purchases that qualify for their HSBC card’s bonus categories, they earn extra rewards compared to the card’s base rewards rate.
HSBC Credit Card Categories for Bonus Rewards
- HSBC Elite Credit Card: Travel and dining
- HSBC Premier World Credit Card: Travel
Whether a purchase falls into a card’s bonus categories depends on “Merchant Category Codes,” which are assigned by the major credit card networks to merchants based on what kind of business they conduct. So if a merchant has the MCC for “travel,” for example, purchases made at that merchant with cards that include “travel” as a bonus category will earn bonus rewards.
If you’re looking to get a rewards credit card from HSBC, it’s a good idea to pick a card that offers the opportunity to earn bonus rewards in your most frequent purchase categories.
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