HSBC Credit Cards
WalletHub makes it easy to find the best HSBC credit card for you.
Best HSBC Credit Cards for 2021:
- Travel Rewards: HSBC Premier World Credit Card
- Cash Bonus: HSBC Platinum Mastercard® with Rewards Credit Card
- Luxury Travel: HSBC Elite Credit Card
- 0% APR: HSBC Gold Credit Card
HSBC Premier World Credit Card HSBC Premier World Credit Card

- 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.
- Earn 1.5X Points on essential purchases like groceries, gas, healthcare and pharmacy up to $2,000 in spend between January 1 and June 30, 2021.
- Redeem Points for Travel, Cash Back, Merchandise or Gift Cards.
- $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.
- Receive up to $12 per month cashback on your Spotify subscription fee for 3 months, plus up to 30% cashback on your next DoorDash order.
- Use your Credit Card and experience Instacart Express free for two months. Now through March 31, 2021.
- 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 Credit Card
HSBC Advance Credit Card HSBC Advance 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 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.
- Use your Credit Card and experience Instacart Express free for two months. Now through March 31, 2021.
- 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 Credit Card
HSBC Elite Credit Card HSBC Elite 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.
- Up to $400 in Travel Credits when you book your travel through HSBC Travel.
- Up to $100 Global Entry® Application Fee credit or up to $85 TSA Precheck® credit every 54 months.
- Lyft Credit - Take five rides per month and receive a $10 Lyft Credit (in app).
- 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.
- *The Annual Fee for the credit card is $395 plus $65 for each authorized user; the Annual Fee is waived ($0) for customers with a qualifying U.S. HSBC Jade or Private Bank relationship.
- 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 Elite Credit Card
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Best HSBC Credit Cards of 2021

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:
2021’s HSBC Credit Card Offers
Credit Card | Best For | Annual Fee | Min. Credit Required |
HSBC Premier World Credit Card | Travel Rewards | None 1st yr, $0 - $95 after | Excellent |
HSBC Platinum Mastercard® with Rewards Credit Card | Cash Bonus | None | Good |
HSBC Elite Credit Card | Luxury Perks | $395 | Excellent |
HSBC Gold Credit Card | 0% APR | $0 | 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.
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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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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