HSBC Credit Card Reviews

HSBC credit card offers are few in number. But thanks to competitive terms, they’re certainly worth considering if you have good or excellent credit (HSBC is a WalletHub partner). There are no HSBC credit cards fo… show morer people with fair, limited or bad credit at the moment. So if you check your latest credit score and discover that it’s less than good, you will need to consider credit cards from other issuers. Even if you have a good or excellent credit score, we still recommend comparing your favorite credit card from HSBC to the best offers from the rest of the market. This way, you can ensure you’ll get the best deal.

Best HSBC credit cards for 2019:

Travel Rewards: HSBC Premier World Mastercard® Credit Card

Cash Bonus: HSBC Platinum Mastercard® with Rewards Credit Card

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HSBC Premier World Mastercard® Credit Card

158 Reviews

Purchase Intro APR

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Not Offered

Transfer Intro APR

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Not Offered

Regular APR

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17.24% - 21.24% (V)

Annual Fee

None 1st yr, $0 - $95 after

Rewards Rate

1 - 2 points / $1

Rewards Bonus

35,000 points

Rewards Bonus

35,000 points

Minimum Credit

Excellent

Rewards Details

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 airline travel with no blackout dates or seat restrictions, hotel reservations, car rentals, brand name merchandise, gift cards from popular retailers or cash back.
The Rewards for Miles program allows you to transfer your Points to participating airline frequent flyer programs.
$50 Statement Credits for rides with Uber and Lyft, and $85 TSA Precheck ® credit to reimburse the application fee.
10% discount when you book your hotel or vacation home stay through Expedia, Agoda or onefinestay.

Additional Info

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 ($100,000 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.
Shopping benefits: Complimentary ShopRunner membership, Extended Warranty, Purchase Assurance®, Satisfaction Guarantee and Price Protection.
Travel benefits: Unlimited Boingo Wi-Fi access, Car rental collision and damage insurance, 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

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HSBC Advance Mastercard® Credit Card

Purchase Intro APR

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0% for 12 months

Transfer Intro APR

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0% for 12 months | Transfer Fee: 3% (min $10)

Regular APR

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17.24% - 21.24% (V)

Annual Fee

None 1st yr, $0 - $45 after*

Rewards Rate

1 - 2 points / $1

Rewards Bonus

25,000 points

Rewards Bonus

25,000 points

Minimum Credit

Excellent

Rewards Details

Earn 25,000 Bonus Points (worth $250 in gift cards), after spending $1,500 or more in the first 3 months from account opening.
Earn 2 Rewards Program Points on dining and select entertainment purchases; 1 points for each $1 on all other purchases.
Redeem Rewards Program Points for popular gift cards, merchandise, travel and cash back.

Additional Info

0% Intro APR on balance transfers posted within 60 days of account opening.
$1 Million Travel Accident Insurance provides coverage when traveling on a common carrier.
MasterRental® offers coverage for damage or theft of a rental vehicle.
Extended Warranty, Price Protection, Purchase Assurance and 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

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HSBC Premier World Elite Mastercard® Credit Card

Purchase Intro APR

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Not Offered

Transfer Intro APR

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Not Offered

Regular APR

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17.24% - 21.24% (V)

Annual Fee

$395

Rewards Rate

1 - 3 points / $1

Rewards Bonus

50,000 points

Rewards Bonus

50,000 points

Minimum Credit

Excellent

Rewards Details

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 flights, hotel reservations and car rentals using the online travel site. Fly on most major airlines with no blackout dates or seat restrictions.
$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.
$85 TSA Precheck® credit to reimburse the application fee.
10% discount when you book your hotel or vacation home stay through Expedia, Agoda or onefinestay.
Membership to a network of 850+ airport lounges, plus two free lounge visits per year, and up to 15% off airport retailers.

Additional Info

For each authorized user the annual fee will be $65.
World Elite Concierge Service to help with all your travel planning and shopping needs.
Unlimited Boingo Wi-Fi access.
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 ($100,000 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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Last Updated On: Feb 12, 2019

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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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Which is the best HSBC credit card?

By: John Kiernan, Credit Card Editor Best HSBC Credit Cards

Finding the right HSBC credit card for your needs should be pretty simple. If you want rewards, your choice between Premier and the Platinum Rewards Card will likely come down to whether you plan on spending enough to justify paying an annual fee.

For your convenience, here’s a quick overview of how the two HSBC credit cards compare:

2019’s HSBC Credit Card Offers

Best HSBC Credit Card For…	Card Name	Annual Fee	Min. Credit Required
Travel Rewards	HSBC Premier World Mastercard® Credit Card	None 1st yr, $0 - $95 after	Excellent
Cash Bonus	HSBC Platinum Mastercard® with Rewards Credit Card	None	Good

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.

How do I apply for an HSBC credit card?

By: John Kiernan, Credit Card Editor

You can apply for an HSBC credit card online, by phone (800-975-4722), or at a branch location. You will get a decision fastest if you apply online.

The first step in applying for an HSBC credit card is picking the right offer. Otherwise, you might have higher odds of being rejected or winding up with worse terms than you deserve. To help you make an informed decision, WalletHub’s editors compared all the HSBC credit cards in our database of 1,000+ credit card offers and selected the best ones in the most popular categories.

Best HSBC credit cards for 2019:

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

Once you pick your card, just click the “Apply Now” button on its WalletHub details page. We will automatically redirect you to HSBC’s secure application page. From there, simply fill out the credit card application as you would any other, submit it and wait for a decision. You should receive a decision from HSBC within 10 business days, if not instantly.

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?

: 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
Read More

Comparing HSBC Credit Cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share...show moreshow less

Carrie Ann @carriea_2

August 6, 2015

I obtained a HSBC credit card about eight years ago. At the time, I was newly divorced and my credit was quite blemished. HSBC accepted me with about a 18% rate. I really only wanted the card to help me fix my credit which it is helping me to do. About two years ago they approved me for a different HSBC card with a lower rate due to my credit improving and my timely payments with them.

Daniel Tanase @danielt_15

July 14, 2015

I have had a HSBC credit card with Best Buy for over 5 years. Over the years, the rate has stayed the same 17% APR, but with every purchase, especially larger ones I qualify for no interest for at least 6 months, sometimes up to 12 depending on how large the purchase is. My experience has been very positive so far. Every time I need to purchase something large, I use it because if I can pay it off soon, there will be no interest accumulated.

Uzma Murrafaq @johnc1

June 2, 2015

The HSBC Platinum Card is very useful for my line of work. I am glad I have it. It makes transactions so much easier and more convenient and since I pay off all my credit debts, I never get into problems and I'm an excellent customer of the HSBC. Thankfully I have them to rely on.

Vanna Black @vanna.black.58

October 2, 2014

I have the HSBC Platinum Credit Card. I really don’t think it’s anything that special so I don’t use it that often. I wish they had better reward promos like more cash back or something to that effect.

Dale Peters @dalep4

August 19, 2014

Fees

@WalletHub

August 27, 2014

If you click on the name of each card, you will be directed to their respective profile pages. There you can see all the fees and other relevant information.

Regina Fallon @regina_fallon_1

March 15, 2014

I had the HSBC Platinum Credit Card about 5 years ago. I remember that at the time, I had 2 5k credit cards and this one. It was the one I used the least. It's not a rewards card and at that time, there was not an introductory intro rate or anything. I ended up closing it out. It looks like they have become more competitive with the rate they are offering now for 15 months. Normally cards only offer a year. I would give it another try.

Mark Willis @mark.willis.37017794

February 1, 2014

I signed up for the HSBC Platinum card (along with a checking account) when I first moved to Buffalo several years ago. I had just average credit, so I was not too picky when it came to a credit card; I just hoped for the best. The "No annual fee" is nice, though the interest rate is relatively high. I have no complaints with the card's terms and conditions or customer service, though I rarely use the card anymore. My primary card is the Capital One QuickSilver, as it offers the rewards that the HSBC Platinum does not. Overall, a decent card that will increase your credit line regularly through on-time payments.

James LeGrand @zedetco

January 17, 2014

I would have to agree with the other review here. My HSBC Platinum Credit Card has served me extremely well over the years. I just recently switched to a different card. But to anyone who needs a new card or an upgrade this would be the way to go. Easy and flexible is my motto.

Marci Bushnell @mmbushnell

January 10, 2014

I used the HSBC Platinum Credit Card for a few years. I applied for it when I started college to help me when I was short on cash. I have switched to a different card that offers rewards now. But to anyone looking for a card with no annual fee that is simple and straight forward. This would be the card for you.

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Best HSBC credit cards for 2019:

Popular Questions

Which is the best HSBC credit card?

2019’s HSBC Credit Card Offers

How do I apply for an HSBC credit card?

Best HSBC credit cards for 2019:

Ask the Experts

Community Discussion

Carrie Ann @carriea_2

Daniel Tanase @danielt_15

Uzma Murrafaq @johnc1

Vanna Black @vanna.black.58

Dale Peters @dalep4

@WalletHub

Regina Fallon @regina_fallon_1

Mark Willis @mark.willis.37017794

James LeGrand @zedetco

Marci Bushnell @mmbushnell

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