HSBC Cash Rewards Mastercard®

HSBC Cash Rewards Mastercard®
Welcome Bonus
$125 cash back
Ends Oct 31, 2022
Annual Fee
  • No annual fee
  • 1.5% cash back on online purchases
  • Accepted at Costco
Interest rates
Purchase Rates
20.99 %
Cash Advance Rates
21.99 %
Balance Transfer Rates
21.99 %


  • Special offer: Earn $125 cash back if you keep your account open and active for 180 days. Must apply by October 31, 2022. 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
  • 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.

This offer is only available to residents of Quebec. For residents of other provinces/territories, please click here.

Fees & Conditions

Personal Income $0
Household Income $0
Annual Fee $0
First Additional Card $0
Other Additional Card $0
Foreign Transaction Fee 2.5%
Purchase Rate (QC) 20.99%
Cash Advance Rate (QC) 21.99%
Balance Transfer Rates (QC) 21.99%


Calculate the rewards
Your Monthly Spending
Year 1
Year 2+
Welcome Bonus
0 $
Annual Credit
Travel benefits
VIP Lounges
First year offer value
Rewards Earned
Annual fee
Net value


Offer ends on Oct 31, 2022
Welcome Bonus amount $125 cash back
Minimum Spending Required $0


Per dollar of purchases

All Spending 0.5 %
Groceries 1 %
Gas 1 %
Dining and Food delivery 0.5 %
Convenience Stores 0.5 %
Drugstores 1 %
Local Transport 0.5 %
Travel 0.5 %
Entertainment 0.5 %
Recurring Payments 0.5 %
Telecom/Internet 0.5 %
Streaming services 1.5 %
Online transactions 1.5 %
Office Supplies 0.5 %


Travel Insurance

Insurance Name
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

Other Insurance

Insurance Name
Extended Warranty
1 year
Purchase Protection
90 day(s)
Mobile Device Insurance
1 year
Price Protection