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HSBC World Elite® Mastercard®
Up to 110,000 Points
Ends May 31, 2023
First year value : $1,040
Best of March 2023
-
No Foreign Transaction Fee
-
$100 Annual Credit
-
Accepted at Costco
Learn More
Best No-FX fee credit card in 2023
Special offer: Earn up to 110,000 ($550 travel value)* PLUS receive a $100 annual travel enhancement credit*. Must apply by May 31, 2023. Conditions apply.
- Welcome bonus of 20,000 points* ($100 travel value)
- Earn 90,000 points* when you keep your account open and active for 180 days ($450 travel value)
- Receive a $100 annual travel enhancement credit*
With the HSBC World Elite Mastercard you earn:
- 6 points for $1 in Net Purchases which are Travel Purchases
- 4 Points for $1 in Net Purchases that are Gas, Grocery and Drugstore Purchases
- 2 Points for $1 in Net Purchases, other than Travel, Gas, Grocery and Drugstore Purchases.
Save on all your foreign currency purchases (even online) with no additional foreign currency conversion charges.
Enjoy maximum flexibility and redeem your Points on your terms for:
- Travel
- Gift cards and valuable merchandise
- Financial rewards
- Rewards for miles
Legal
*Terms and Conditions apply
®/TM Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Used pursuant to license.
Annual Fee
- Primary card $149
- Additional card $0
Annual Income Required
- Individual $80,000
- Household $150,000
Conversion fees
- 0.00 %
Interest Rates
- Purchase Rates 19.9 %
- Cash Advance Rates 21.99 %
- Balance Transfer Rates 21.99 %
Milesopedia Links
- The Best Credit Cards from HSBC Bank Canada
- Best Travel Credit Cards
- How to book Singapore Airlines First Class with HSBC Points?
- How to convert HSBC Reward Points into frequent flyer miles?
- How to use HSBC Reward Points on travel purchases?
- How to use the $100 HSBC Annual Travel Credit?
- The Best Credit Cards from HSBC Bank Canada
Earning Rate
- Travel6Points
- Air Canada6Points
- Groceries4Points
Value
- Year 1 $1,040
- Year 2+ $380
Best For
Transfer Partners
- Asia MilesBritish Airways Executive ClubKrisFlyerHSBC World Elite Rewards Program
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$2,000,000
31 day(s)
Travel medical insurance up to 64 years old
$2,000,000
31 day(s)
Travel medical insurance 65+.
$2,000,000
21 day(s)
Trip Cancellation Insurance
$2,000
Trip Interruption Insurance
$2,000
Common Carrier Travel Accident Insurance
$750,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$200
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
31 day(s)
Hotel/Motel Burglary Insurance
$1,000
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-
No annual fee
-
1.5% cash back on online purchases
-
Accepted at Costco
Learn More
Best credit card for online purchases in 2023
- Special offer: Earn $125 cash back if you keep your account open and active for 180 days. Must apply by May 31, 2023. Conditions apply.
- 1.5% cash back on up to $6,000 of your online purchases. And yes, this includes streaming services, online subscriptions and food delivery. Score!
- 1% cash back on your gas, grocery and drugstore purchases.
- 0.5% cash back on (almost) everything else you buy with your card.
- Redeem sooner – You only need to reach $25 in cash back to redeem.
- Redeem when you want – Redeem for cash back as a statement credit online. See how easy it is at rewards.hsbc.ca
- Redeem to pay down or save up – Use your cash back for a credit towards your residential mortgage account, or credit card, or to top up your savings account.
*Terms and Conditions apply
®/TM Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Used pursuant to license.
Annual Fee
- Primary card $0
- Additional card $0
Annual Income Required
- Individual $0
- Household $0
Conversion fees
- 2.5 %
Interest Rates
- Purchase Rates 20.99 %
- Cash Advance Rates 21.99 %
- Balance Transfer Rates 21.99 %
Earning Rate
- Streaming services1.5%
- Online transactions1.5%
- Groceries1%
Value
- Year 1 $287
- Year 2+ $162
Best For
Transfer Partners
- Cashback
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+.
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
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-
No annual fee
-
3X points on travel purchases
-
Accepted at Costco
Learn More
Special offer: Earn 25,000 points* ($125 travel value) if you keep your account open and active for 180 days. Must apply by May 31, 2023. Conditions apply.
Collect points and reward yourself anytime;
- 3 points for every $1 spent on eligible travel purchases* (car rentals, vacations, hotel flights, etc.)
- 2 points for every $1 spent on eligible gas and daily transportation purchases* (subway, train, taxi, etc.)
- 1 point for every $1 on all other eligible everyday purchases*
- Redeem your points your way – the choice is yours
*Terms and Conditions apply
®/TM Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Used pursuant to license.
Annual Fee
- Primary card $0
- Additional card $0
Annual Income Required
- Individual $0
- Household $0
Conversion fees
- 2.5 %
Interest Rates
- Purchase Rates 20.99 %
- Cash Advance Rates 21.99 %
- Balance Transfer Rates 21.99 %
Earning Rate
- Travel3Points
- Air Canada3Points
- Gas2Points
Value
- Year 1 $280
- Year 2+ $155
Best For
Transfer Partners
- HSBC Plus Rewards Program
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+.
Trip Cancellation Insurance
Trip Interruption Insurance
$1,500
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
$100
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
$1,000
{"main":{"value":"100","welcome_bonus":"25,000 Points","estimated_value":125,"mc_welcome_bonus_amount":"25000","minimum_spending":"$0","minimum_spending_timeframe_months":"","best_for":[{"term_id":786,"name":"Gas stations","slug":"gas","term_group":0,"term_taxonomy_id":786,"taxonomy":"mc_best_for","description":"","parent":0,"count":47,"filter":"raw","term_order":"0"},{"term_id":783,"name":"Daily transit","slug":"transit","term_group":0,"term_taxonomy_id":783,"taxonomy":"mc_best_for","description":"","parent":0,"count":17,"filter":"raw","term_order":"0"},{"term_id":782,"name":"Travel","slug":"travel","term_group":0,"term_taxonomy_id":782,"taxonomy":"mc_best_for","description":"","parent":0,"count":42,"filter":"raw","term_order":"0"}],"annual_fee":"0.00","first_year_fee":false,"loyalty_slug":"hsbc-plus","card_slug":"hsbc-travel-rewards-mastercard-qc"},"advantages":{"has_lounge_access":false,"rewards_type":[{"term_id":740,"name":"Travel Rewards","slug":"travel-points-en","term_group":0,"term_taxonomy_id":740,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":70,"filter":"raw","term_order":"0"}],"loyalty_program":{"term_id":27818,"name":"HSBC Plus Rewards Program","slug":"hsbc-plus","term_group":0,"term_taxonomy_id":27818,"taxonomy":"mc_loyalty_program","description":"","parent":0,"count":2,"filter":"raw","term_order":"0"},"rewards_groceries":"1","rewards_gas_stations":"2","rewards_restaurants":"1","rewards_travel":"3","rewards_recurring_payments":"1","rewards_allspending":"1","annual_credit":"","vip_salon":"","nexus_membership":"","travel_benefits":"","other_advantages":""},"fees":{"mc_first_add_card_fee":"$0","mc_foreign_fee":"2.5%","mc_purchase_rates":"","mc_cash_advance_rates":"","mc_balance_transfer_rates":"","mc_purchase_rate_qc":"20.99%","mc_cash_advance_rate_qc":"21.99%","mc_balance_transfer_rates_qc":"21.99%"},"insurance":{"mc_common_travel_accident_insurance":false,"mc_trip_cancellation_insurance":false,"mc_trip_interruption_insurance":true,"mc_medical_travel_insurance":false,"mc_flight_delay_insurance":false,"mc_delayed_baggage_insurance":true,"mc_lost_baggage_insurance":false,"mc_auto_rental_loss":false,"mc_hotel_burglary_insurance":true,"mc_mobile_device_insurance":false,"mc_purchase_protection":true,"mc_extended_warranty":true}}
-
Low-interest
-
2X points on dining and entertainment
-
Accepted at Costco
Learn More
Best low-interest credit card in 2023
- Get up to $200 in total value* for the first year! Must apply by May 31, 2023. Conditions apply.
- Earn 2 Points for every $1 spent on eligible dining or entertainment purchases
- Earn 1 Point for every $1 spent on all other eligible purchases
- HSBC’s lowest interest rate for purchases, cash advances and balance transfers:
- Annual Interest on Purchases: 11.9%
- Annual Interest on Cash Advances and Balance Transfers: 11.9%
- Price Protection Service – find a lower price within 60 days of your purchase, the difference will be refunded, up to $500 per eligible item
- Primary Cardholder Annual Fee: $25
- Authorized User Annual Fee: $10 Per Card
*Terms and Conditions apply ®/TM Mastercard and World Elite are registered trademarks and the circle concept is a trademark of Mastercard International Incorporated. Used pursuant to license.
Annual Fee
- Primary card $25
- Additional card $10
Annual Income Required
- Individual $0
- Household $0
Conversion fees
- 2.5 %
Interest Rates
- Purchase Rates 11.9 %
- Cash Advance Rates 11.9 %
- Balance Transfer Rates 11.9 %
Earning Rate
- Dining and Food delivery2Points
- Entertainment2Points
- All Spending1Point
Value
- Year 1 $305
- Year 2+ $105
Best For
Transfer Partners
- HSBC Plus Rewards Program
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+.
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
{"main":{"value":"150","welcome_bonus":"Up to 40,000 Points","estimated_value":200,"mc_welcome_bonus_amount":"40000","minimum_spending":"$0","minimum_spending_timeframe_months":"","best_for":[{"term_id":791,"name":"Entertainment","slug":"entertainment","term_group":0,"term_taxonomy_id":791,"taxonomy":"mc_best_for","description":"","parent":0,"count":13,"filter":"raw","term_order":"0"},{"term_id":38930,"name":"Low Interest rates","slug":"low-interest-rates","term_group":0,"term_taxonomy_id":38930,"taxonomy":"mc_best_for","description":"","parent":0,"count":10,"filter":"raw","term_order":"0"},{"term_id":784,"name":"Dining","slug":"dining","term_group":0,"term_taxonomy_id":784,"taxonomy":"mc_best_for","description":"","parent":0,"count":33,"filter":"raw","term_order":"0"},{"term_id":38931,"name":"Balance transfer","slug":"balance-transfer","term_group":0,"term_taxonomy_id":38931,"taxonomy":"mc_best_for","description":"","parent":0,"count":12,"filter":"raw","term_order":"0"}],"annual_fee":"25","first_year_fee":false,"loyalty_slug":"hsbc-plus","card_slug":"hsbc-rewards-mastercard-qc"},"advantages":{"has_lounge_access":false,"rewards_type":[{"term_id":46407,"name":"Low Interest","slug":"low-interest","term_group":0,"term_taxonomy_id":46407,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":12,"filter":"raw","term_order":"0"},{"term_id":740,"name":"Travel Rewards","slug":"travel-points-en","term_group":0,"term_taxonomy_id":740,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":70,"filter":"raw","term_order":"0"},{"term_id":46408,"name":"Balance Transfer","slug":"balance-transfer","term_group":0,"term_taxonomy_id":46408,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":12,"filter":"raw","term_order":"0"}],"loyalty_program":{"term_id":27818,"name":"HSBC Plus Rewards Program","slug":"hsbc-plus","term_group":0,"term_taxonomy_id":27818,"taxonomy":"mc_loyalty_program","description":"","parent":0,"count":2,"filter":"raw","term_order":"0"},"rewards_groceries":"1","rewards_gas_stations":"1","rewards_restaurants":"2","rewards_travel":"1","rewards_recurring_payments":"1","rewards_allspending":"1","annual_credit":"","vip_salon":"","nexus_membership":"","travel_benefits":"","other_advantages":""},"fees":{"mc_first_add_card_fee":"$10","mc_foreign_fee":"2.5%","mc_purchase_rates":"","mc_cash_advance_rates":"","mc_balance_transfer_rates":"","mc_purchase_rate_qc":"11.9%","mc_cash_advance_rate_qc":"11.9%","mc_balance_transfer_rates_qc":"11.9%"},"insurance":{"mc_common_travel_accident_insurance":false,"mc_trip_cancellation_insurance":false,"mc_trip_interruption_insurance":false,"mc_medical_travel_insurance":false,"mc_flight_delay_insurance":false,"mc_delayed_baggage_insurance":false,"mc_lost_baggage_insurance":false,"mc_auto_rental_loss":false,"mc_hotel_burglary_insurance":false,"mc_mobile_device_insurance":false,"mc_purchase_protection":true,"mc_extended_warranty":true}}
Credit card