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Best HSBC Credit Cards
WalletHub makes it easy to find the best HSBC credit card for you.
HSBC credit cards are best for people with good or excellent credit – a credit score of 700 or higher. There are no HSBC credit cards for people with fair, limited or bad credit at the moment. The HSBC credit card offers available right now have $0 foreign transaction fees, annual fees ranging from $0 to $395, and rewards of at least 1 point per $1 spent on purchases. You can compare the latest credit cards from HSBC below.
Best HSBC Credit Cards [August 2022]
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HSBC CREDIT CARDS
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HSBC Premier World Credit Card HSBC Premier World Credit Card

- No membership fees
- High rewards rate
- 35,000 points initial rewards bonus
- No foreign fee
- No intro APR on purchases
- No intro APR on balance transfers
- Requires excellent credit
HSBC Elite Credit Card HSBC Elite Credit Card

- High rewards rate
- 50,000 points initial rewards bonus
- No foreign fee
- Reports to the three major credit bureaus
- High membership fees
- No intro APR on purchases
- No intro APR on balance transfers
- Requires excellent credit
Best HSBC Credit Cards of 2022
HSBC Premier World Credit Card
The best HSBC credit card is the HSBC Premier World Credit Card because it has a $0 annual fee and good rewards. You get 35,000 points for spending $3,000 in the first 3 months, along with 1 - 2 points per $1 on purchases normally and various other savings opportunities. For example, you can get reimbursed for TSA PreCheck’s $85 application fee and receive credits or discounts for making purchases with HelloFresh, DoorDash and Lyft.
HSBC Elite Credit Card
The HSBC Elite Credit Card is the best HSBC credit card for big spenders because it has good rewards and benefits but charges a $395 annual fee. New cardholders who spend $4,000 within 3 months of opening an account get an initial bonus of 50,000 points (worth $750 in airfare). You can also get up to $400 in credits per year if you book travel accommodations through HSBC Travel. In addition, you’ll earn 1 - 3 points per $1 spent on purchases, be eligible for TSA PreCheck or Global Entry application-fee credits, and enjoy airport lounge access.
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.
HSBC Credit Cards Comparison
Credit Card | Best For | Review Rating | Min. Credit Required |
HSBC Premier World Credit Card | Travel Rewards | 3.5/5 | Excellent |
HSBC Elite Credit Card | Luxury Perks | 3.6/5 | Excellent |
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.
Methodology for Selecting the Best HSBC Credit Cards
To identify the best HSBC credit cards, WalletHub’s editors routinely compare all of the credit cards issued by HSBC from our database of more than 1,500 credit card offers. In doing so, we strive to select the cards that will produce the most savings for different types of cardholders, from those looking to avoid interest to rewards-seekers of all sorts.
The features we focus on depend on the category. For example, introductory and regular APRs are most important when it comes to financing. On the other hand, the expected value of rewards earnings after subtracting annual fees is the key to choosing between rewards cards.
About the author
John Kiernan has covered the credit card industry for more than 10 years as a writer and editor for WalletHub. His work has been featured by major media outlets such as The Washington Post and The New York Times and has been cited by industry regulators such as the Consumer Financial Protection Bureau. Read Full Author Bio
HSBC Credit Cards FAQ
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 more
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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?
Associate Professor, University of Arkansas, Sam M. Walton College of Business
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Ph.D., Associate Professor of Economics & Finance, Johns Hopkins Carey Business School
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Adjunct Instructor, University of Akron - College of Business Administration
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Professor and Thomas S. Goho Chair in Finance, School of Business, Wake Forest University
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Associate Professor & Chair, Alma College
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Clinical Professor, Department of Finance, College of Business Administration, The University of Illinois at Chicago
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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. WalletHub may share your information with third-parties in order to show personalized offers, as well as enable you to interact more easily with pre-fill forms or applications. You can opt-out of sharing your personal info here.
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