HSBC Advance Mastercard® review

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Advertiser Disclosure

Interest Rate: Purchases
14.99% ‐ 18.99% (Variable) (0% for the first 12 months)
Balance Transfer
14.99% ‐ 18.99% (Variable) (0% for the first 12 months)
1 - 2 points
Signup Bonus

Informr score
The HSBC Advance Mastercard® currently has an Informr score of 7 out of 10. This score is based on our evaluation of 3 sources including reviews from users and the web's most trusted critics.

Am I eligible?

HSBC Advance Mastercard® is typically available to those with excellent credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


If you’re an HSBC Advance or Premier banking or investment customer, the HSBC Advance Mastercard might be worth acquiring for its solid, though hardly exceptional, first-year bonus earnings on travel and entertainment—assuming those are big spending categories for you. The card might also be worthwh...

- Mitchell Strohm, Investopedia

If you are an existing HSBC customer looking to earn accelerated rewards on dining and select entertainment purchases without paying an annual fee, the HSBC Advance Mastercard credit card could be worth considering. In addition to earning rewards on your purchases, you also get a long intro APR peri...

- Finder
Bank Deal Guy

If you’re planning on travelings or shopping often, be sure to check out this HSBC Advance Mastercard Credit Card as it provides an array of benefits for its user.

- Michelle Chuang, Bank Deal Guy


Interest Rates
Regular APR Interest Rate 14.99% ‐ 18.99% (Variable) (0% for the first 12 months)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 14.99% ‐ 18.99% (Variable) (0% for the first 12 months)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 24.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $45.00
  • Waived on the first year.
  • Or permanent $0 annual fee if you have a qualifying U.S. HSBC Advance or Premier checking account relationship.
Balance Transfer Fee 4%

Minimum of $10

Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee $0.00

Over Limit Fee $0.00
Late Payment Fee $39.00


Sign up bonus

3 Points on dining and select entertainment purchases plus 2 Points on all other purchases in the first 12 months from Account opening, up to the first $25,000 in purchases.

All Purchases 1 point per $1 spent
Restaurants 2 points per $1 spent
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details

2 points per $1 spent on Entertainment purchases

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service Yes
Price Protection Yes
Fraud Protection Yes
Free Credit Scores Yes
Wireless Payments Apple Pay, Samsung Pay, Android Pay
Virtual Cards No
Additional Benefits

- 10% off at onefinestay

- Mastercard Travel & Lifestyle Services

- Get $5 off on Postmates orders $25

- Cellular Wireless Telephone Protection

- Complimentary ShopRunner membership for unlimited, free 2-day shipping and free return shipping at over 140 online stores.

- Discounted access to select golf courses, complimentary grounds passes for PGA Tournaments, Priceless Lessons with a PGA Tour professional and much more.

Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments
Terms & Conditions Official Terms & Conditions
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