HSBC Credit Cards
WalletHub makes it easy to find the best HSBC credit card for you.
Best HSBC Credit Cards for 2020:
- Travel Rewards: HSBC Premier World Mastercard® Credit Card
- Cash Bonus: HSBC Platinum Mastercard® with Rewards Credit Card
- Luxury Travel: HSBC Premier World Elite Mastercard® Credit Card
- 0% APR: HSBC Gold Mastercard® Credit Card
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- Earn 35,000 Rewards Program Bonus Points (worth $400 in air travel), after spending $3,000 in new, net card purchases during the first 3 months from Account opening.
- Earn 2 Rewards Program Points on travel; 1 Point on all other purchases with no cap and no expiration.
- Redeem Points for Travel, Cash Back, Merchandise or Gift Cards.
- $50 Statement Credits for rides with Uber and Lyft, and $85 TSA Precheck ® credit every five years to reimburse the application fee.
- 10% discount when you book your hotel or vacation home stay through Expedia, Agoda or onefinestay.
- To apply for this card, you must have an existing U.S. HSBC Premier checking account relationship. A monthly maintenance fee of $50 will be incurred if minimum balance requirements ($75,000 in combined U.S. personal deposit and investment balances) are not maintained.
- After the first year of account opening, there is a $95 annual fee for customers who no longer have a qualifying U.S. HSBC Premier checking account and $0 for customers who have a qualifying U.S. HSBC Premier checking account.
- Complimentary ShopRunner membership, Mastercard ID Theft Protection, Identity Fraud Expense Reimbursement and Cellular Wireless Protection.
- Travel benefits: Unlimited Boingo Wi-Fi access, MasterRentalTM Coverage, Lost or damaged baggage coverage, Hotel/Motel burglary coverage, Trip Cancellation Insurance and $1 Million Travel Accident Insurance.
- See More Details & Reviews About TheHSBC Premier World Mastercard® Credit Card
- Earn 3 points on dining and select entertainment purchases and 2 points on all other purchases (up to $25,000) in the first year.
- After the intro period, earn 2 Rewards Program Points on dining and select entertainment purchases; 1 point for each $1 on all other purchases.
- Redeem Rewards Program Points for popular gift cards, merchandise, travel and cash back.
- Get a 10% discount with onefitstay onefinestay when you book one of the more than 10,000 high-end rental properties in cities like New York, Los Angeles, London, Paris, and more.
- Get $5 off with Postmates on orders $25 or more for delivery of food, drinks and groceries.
- 0% Intro APR on balance transfers posted within 60 days of account opening.
- Receive accidental death or dismemberment coverage of up to $1,000,000 when traveling.
- Mastercard Travel & Lifestyle Services, Mastercard Airport Concierge and MasterRental® Coverage.
- ShopRunner, Priceless™ Cities, Cellular Wireless Telephone Protection and Mastercard Identity Theft Resolution Services.
- Quick and secure mobile purchases with Google Pay™, Apple Pay™ and Samsung Pay™.
- *$0 Annual Fee during first year of Account opening. After that, $0 annual fee for customers who have a qualifying U.S. HSBC Advance or Premier checking account relationship and $45 for customers who no longer have a qualifying U.S. HSBC Advance or Premier checking account relationship.
- See More Details & Reviews About TheHSBC Advance Mastercard® Credit Card
- Earn 50,000 Rewards Program Bonus Points (worth $750 in air travel), after spending $4,000 or more in the first 3 months.
- Earn 3 Points per $1 spent on new travel purchases; 2 Points per $1 spent on dining; 1 Point on all other net purchases. Earn unlimited Rewards Program Points with no expiration.
- Redeem Points for Travel, Cash Rewards, Merchandise or Gift Cards.
- $100 Annual Statement Credits for rides with Uber and Lyft.
- $100 Annual Air Travel Credit to reimburse ticket purchases, seat upgrades, baggage fees or in-flight purchases.
- Up to $100 Global Entry® Application Fee credit or up to $85 TSA Precheck® credit every 54 months.
- 10% discount when you book your hotel or vacation home stay through Expedia, Agoda or onefinestay.
- Membership to a network of 1000+ airport lounges, plus two free lounge visits per year, and up to 15% off airport retailers.
- For each authorized user the annual fee will be $65.
- Travel Benefits: MasterRental Coverage, Mastercard Airport Concierge and $1 Million Travel Accident Insurance.
- Identity Fraud Expense Reimbursement, Cellular Wireless Telephone Protection and Mastercard ID Theft Protection.
- Complimentary ShopRunner membership for unlimited, free 2-day shipping and free return shipping at over 140 online stores.
- To apply for this card, you must have an existing U.S. HSBC Premier checking account relationship. Monthly maintenance fee of $50 will be incurred if minimum balance requirements ($75,000 in combined U.S. personal deposit and investment balances) are not met.
- See More Details & Reviews About TheHSBC Premier World Elite Mastercard® Credit Card
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Which is the best HSBC credit card?
The best HSBC credit card is the HSBC Premier World Mastercard® Credit Card because it offers an initial bonus worth $400 in airfare and has a $0 annual fee for the first year (and possibly longer). From the second year on, the annual fee could be $0 to $95, depending on your overall creditworthiness. The HSBC Premier World Mastercard also offers 2 points per $1 spent on travel and 1 point per $1 on everything else. Applicants need excellent credit for high approval odds.If the HSBC Premier World Mastercard isn’t to your liking, finding the right HSBC credit card for your needs should be pretty simple, since there are so few offers to consider. A lot comes down to how much you plan to spend and thus how much of an annual fee it makes sense to pay, if any. For your convenience, here’s a quick overview of how the current HSBC credit card offers compare:
2020’s HSBC Credit Card Offers
| Credit Card | Best For | Annual Fee | Min. Credit Required |
| HSBC Premier World Mastercard® Credit Card | Travel Rewards | None 1st yr, $0 - $95 after | Excellent Credit |
| HSBC Platinum Mastercard® with Rewards Credit Card | Cash Bonus | None | Good Credit |
| HSBC Premier World Elite Mastercard® Credit Card | Luxury Perks | $395 | Excellent Credit |
| HSBC Gold Mastercard® Credit Card | 0% APR | None | Good Credit |
You can get a feel for how good each card’s terms are by checking out WalletHub’s latest Credit Card Landscape Report. It includes market averages for rewards, interest rates, fees and more. And to see if HSBC’s credit cards are among the market’s elite, check out WalletHub’s picks for the best rewards cards and best credit card rates.
Questions & Answers
Comparing hsbc credit cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered....show moreshow less
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How do I know if I pre-qualify for an HSBC credit card? Reply
There’s no way to proactively check if you pre-qualify for an HSBC credit card. Sure, HSBC mails pre-approved credit card offers to potential applicants whose basic credit profiles indicate they will have a very good chance of getting approved. But you can’t request one. HSBC credit card pre-approval is invite-only, in other words.
But even though HSBC won’t let you check whether you pre-qualify, you can still take similar steps to determine whether applying is a good idea. Basically, you can pre-qualify yourself for an HSBC credit card by seeing how well you meet your chosen card’s approval requirements. Just bear in mind that official pre-approval typically gives you a roughly 90% chance of actually getting an account when you apply. So barely meeting a card’s minimum requirements may not cut it.
Here’s how to (pre) qualify for an HSBC credit card:
- All HSBC credit cards require good or excellent credit. Generally, good credit starts at a score of 660, and excellent credit begins at 719. However, we recommend considering good and excellent credit to mean 700+ and 750+, respectively. Your approval odds won’t be very good if you barely meet a card’s minimum requirements, after all.
You can check your latest credit score for free on WalletHub.
- You must demonstrate the ability to pay an HSBC credit card’s monthly bills. Unfortunately, that’s hard to estimate because HSBC doesn’t disclosure its cards’ minimum credit limits.
- You need $100,000+ in an HSBC bank account to get the HSBC Premier Mastercard and $10,000+ to get the HSBC Advance Mastercard.
In short, there’s no way to tell if you pre-qualify for an HSBC credit card. But if you have good to excellent credit, applying for an HSBC card might be worth a shot. If your credit is bad, fair, or limited, don’t worry. You may not be eligible for one of HSBC’s credit cards, but there are still plenty of offers from other issuers.
How can I pay my HSBC Credit Card? Reply
Yes, you can make an HSBC credit card payment online. I find it easier to download the HSBC Mobile Banking app, but you can also pay on https://www.us.hsbc.com/online-banking/. It's free and they have an 'on-time' guarantee, meaning that HSBC will bear the responsibility for any late-payment-related charges should an online bill payment arrive after its due date as long as you scheduled the transaction.
What is the average HSBC Gold Mastercard credit limit? Reply
Some cardholders report HSBC Gold MasterCard credit limits as high as $25,000, but of course, that should be taken with a grain of salt.
Basically a higher credit score also helps you qualify for a higher credit limit. But not only that, as our debt-to-income ratio also plays an important role, so ideally that should be
Featured Credit Cards
Ask the Experts
Most people are not quite as familiar with HSBC credit cards as cards from other major issuers. To help close the knowledge gap, we asked a panel of experts to answer the following questions. Check out their commentary below.
- Why doesn’t HSBC have a bigger share of the U.S. credit card market?
- Do you think U.S. consumers are especially suspicious of internationally based banks?
- Do you think the average consumer would recognize that these are two distinct credit card offers (and is that good/bad for consumers/HSBC): HSBC Premier World Mastercard and HSBC Premier World Elite Mastercard?
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Chester Spatt
Ph.D. – Pamela R. and Kenneth B. Dunn Professor of Finance at the Tepper School of Business, Carnegie Mellon University
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Kurt S. Schulzke
Associate Professor of Accounting & Law, University of North Georgia
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Yoon S. Shin
Ph.D. - Associate Professor of Finance and Traveler's Finance Faculty Scholar, Loyola University Maryland
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Theodore Byrley
Ph.D., Associate Professor, Buffalo State College
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Padma Kadiyala
Professor of Finance, Pace University Lubin School of Business
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Cristian Tiu
Chair and Associate Professor, Department of Finance, University at Buffalo School of Management
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We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended.
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Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.