Best HSBC Credit Cards

For the majority of the HSBC credit cards at least a good (700+) or excellent (750+) credit score is needed.

The only exception is the HSBC Cash Rewards Mastercard Student Account which you can get with a fair (640+) credit score, but also a limited credit history.

HSBC will also take other things into consideration when deciding about your application, such as your income, debts or overall creditworthiness.

To get your HSBC credit card login info, you have to register for online banking via the HSBC website. After verifying your identity, you will create a username and password. If you already have an online account but you forgot your credentials, you can click on “Forgot username?” to recover them.

How to Get Your HSBC Credit Card Login Info

1. Visit the HSBS webpage and click on “Register.”
2. Read the Terms & Conditions and click on “Accept.”
3. Verify your identity by entering personal information like your Social Security Number and HSBC account number. Then, click on “Continue.”
4. Choose a security question and device.
5. Lastly, check the information you provided and confirm it.

Don't forget to activate your credit card before registering. You can do that trough either the HSBS webpage or your HSBC Mobile App.

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:

• Most HSBC credit cards require excellent credit. Generally, excellent credit begins at 750. 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 $75,000+ in an HSBC Premier checking account to get either the HSBC Premier World Credit Card or the HSBC Elite Credit Card.

In short, there’s no way to tell if you pre-qualify for an HSBC credit card. But if you 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.

No, there aren’t any HSBC secured credit cards at the moment. Most HSBC credit cards are targeted to people with good credit or better.

If you’re not set on HSBC as an issuer, you can check out our editors’ picks for the best secured credit cards. Most will be available to those with bad or limited credit and some even offer rewards.

To talk to HSBC customer service, call 1-800-975-4722 and then enter your account, card, or Social Security number. This process will get you in contact with a live HSBC representative who should be able to answer your questions or direct you to the appropriate department.

How to Talk to HSBC Customer Service by Phone

1. Call the HSBC customer service phone number at 1-800-975-4722.
2. Enter your account, card, or Social Security number.
3. Speak to the live representative.

If you can’t or don’t want to talk to HSBC customer service over the phone, there are a few alternatives.

The easiest way to you can reach the HSBC credit card customer service is online or by calling (800) 975-4722.

Here’s how you can reach HSBC credit card customer service:

• Online: You can contact their customer service by using their live chat.
• Via the HSBC mobile app: Download the app (for Android or iOS). Then, log in to your account and use to live chat option to contact the HSBC customer service.
• By phone: Call (800) 975-4722 to talk to a representative.
• By mail: You can contact the HSBC customer service via mail at:

          HSBC Customer Service Address
          HSBC Bank USA, N.A.
          P.O. Box 2013
          Buffalo, NY 14240

Keep in mind that using mail is the slowest way possible to contact HSBC. If you have any urgent inquiries, I'd suggest opting for other ways to get in touch with them.

HSBC credit card rewards are points that can be redeemed for cash back, gift cards, travel, or charitable donations, depending on which credit card you have.

What you should know about the HSBC credit card rewards:

HSBC credit card rewards points are worth around 1 cent each, but it can vary based on how you redeem them. For example, points redeemed for travel are usually worth more than cash back redemptions. You can see how much your rewards are worth by logging in to your online account.

Points can be earned by making purchases on all HSBC credit cards. Plus, rewards are earned at different rates, depending on which HSBC credit card you have.

Here are the HSBC rewards credit cards:

The HSBC Elite Credit Card offers 50,000 points after spending $4,000 in the first 3 months. Plus, with this card you can earn 3 points per $1 spent on seasonal entertainment, up to $3,000 (October 1, 2022 to December 31, 2022), 3 points per $1 spent on travel, 2 points per $1 spent on dining and $1 point per $1 spent on all other purchases.

The card requires a credit score of 750, at a minimum. That means applicants need excellent credit for approval. Existing HSBC Premier checking account relationship is also required. The card’s annual fee is $395.

The HSBC Premier World Credit Card offers 35,000 points after spending $3,000 in the first 3 months. Plus, you can earn 2 points per $1 spent on seasonal entertainment, up to $2,000 (October 1, 2022 to December 31, 2022), 2 points per $1 spent on travel, and $1 point per $1 spent on all other purchases. The card has a $0 annual fee. To apply for this card, cardholders must have an existing U.S. HSBC Premier checking account relationship.

The card requires a credit score of 750, at a minimum. That means applicants need excellent credit for approval.

There's no limit to how many HSBC credit card reward points you can earn, and they don't expire. That said, credit card points can be devalued by the card issuer at any time, so it's best to redeem them often.