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HSBC Elite Credit Card review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
19.24% ‐ 23.24% (Variable)
Interest Rate: Purchases
19.24% ‐ 23.24% (Variable)
Balance Transfer
19.24% ‐ 23.24% (Variable)
Balance Transfer
19.24% ‐ 23.24% (Variable)
1 - 3 points
1 - 3 points
Signup Bonus
50000 points (after spending $4,000)
Signup Bonus
50000 points (after spending $4,000)

Am I eligible?

HSBC Elite Credit Card is typically available to those with good 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...


Most customers won’t be able to apply for this card due to the requirement of being an HSBC Premier customer. Those who qualify may still do better by choosing other cards that come with similar travel credits and benefits. This card is a reasonable option for those who value the included travel ins...

- Becky Pokora, Robin Saks Frankel, Forbes


Interest Rates
Regular APR Interest Rate 19.24% ‐ 23.24% (Variable)

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

Balance Transfer Interest Rate 19.24% ‐ 23.24% (Variable)

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

Cash Advance Interest Rate 29.24% (Variable)

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

Rates & Fees
Annual Fee $395.00

$0 For customers who have a qualifying U.S. HSBC Jade or Private Banking 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 50000 points after spending $4,000

On purchases within the first 3 months.

All Purchases 1 point per $1 spent
Restaurants 2 points per $1 spent
Gas No
Groceries No
Hotels No
Travel 3 points per $1 spent

on new travel purchases – including airline, hotels, and car rentals

Pharmacy No
Bills No
Features & Benefits
Additional Card Holders

$65 per year for each card

Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty No
Purchase Protection Yes
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service Yes
Price Protection No
Fraud Protection Yes
Free Credit Scores Yes
Wireless Payments Apple Pay, Samsung Pay, Google Pay
Virtual Cards No
Additional Benefits
  • Up to $400 per year for all airfare, hotels and car rentals booked through HSBC Travel
  • You and one guest get complimentary, unlimited access to 1,000+ airport lounges provided by LoungeKey™
  • You are eligible for either one Global Entry® Application Fee Statement Credit, up to a maximum of $100, or one TSA Precheck Application Fee Statement Credit, up to a maximum of $85, every 54 months
  • MasterRental Coverage
  • Mastercard Travel & Lifestyle Services
  • Boingo Wi-Fi access
  • Trip Cancelation Insurance
  • Hotel and Motel Burglary Insurance
  • Lost Luggage Insurance
  • Baggage Delay Insurance
  • Complimentary ShopRunner membership for unlimited, free 2-day shipping and free return shipping at over 140 online stores
  • Take 5 rides per month and receive a $5 Lyft App credit
  • Earn $5 in Fandago rewards for every 2 movie tickets purchased
  • Receive 5% boxed cash rewards on eligible purchases which can be used toward future purchases
  • Provides you the opportunity to engage in exclusive, once in a lifetime experiences in the cities where you live, shop and travel
  • Provides discounted access to select golf courses, complimentary grounds passes for PGA Tournaments, Priceless Lessons with PGA Tour professional and much more
  • Mastercard ID Theft Protection
  • Identity Fraud Expense Reimbursement
  • Cellular Wireless Telephone Protection
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
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