Earning Rates

The HSBC Elite Credit Card earns HSBC points at the following rates:

  • 5 points per $1 spent on travel purchases – including airline, hotels, and car rentals
  • 2 points per $1 spent on dining purchases
  • 1 point per $1 spent on all other purchases

Rewards Value & Calculator

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Key Benefits

Here are the main benefits of the HSBC Elite Credit Card:

  • $400 in Travel Credits: Up to $400 per year for all airfare, hotels and car rentals booked through HSBC Travel.
  • Unlimited Lounge Access: You and 2 guests get complimentary, unlimited access to more than 1,500 airport lounges, provided by Priority Pass™.
  • Mastercard Travel Rewards: Get exclusive offers from top brands in over 15 countries outside the U.S. including France, Hong Kong, U.K. and more when you use your HSBC Elite or Premier Credit Card.
  • Global Entry or TSA PreCheck Credit: Get up to $120 in statement credits towards a Global Entry or TSA PreCheck application fee when charged to the card.
  • Travel & Purchase Coverage: Trip Cancellation Insurance, Travel Accident Insurance, Hotel and Motel Burglary Insurance, Lost Luggage Insurance, Baggage Delay Insurance, Cellular Wireless Telephone Protection, MasterRental™ Coverage, and Purchase Assurance.

Transfer Partners & Conversion Calculator

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Fees

Annual Fee

The HSBC Elite Credit Card has an annual fee of $395.

You can get all of this back each year by using the annual $400 in travel credits.

The annual fee is waived if you hold a U.S. HSBC Premier Elite customer status or Private Bank relationship.

Authorized User Fee

Adding authorized users to the HSBC Elite Credit Card will cost you $65 per user.

Foreign Transaction Fee

The HSBC Elite Credit Card has no foreign transaction fees. This means that you can use this card to make purchases outside of the United States and not be penalized.