HSBC +Rewards™ Mastercard®

HSBC +Rewards™ Mastercard®

A low-interest HSBC credit card with rewards. Earn 2 Points for every $1 spent on eligible dining or entertainment purchases.

Get 35,000 points with this offer.

Welcome Bonus

35,000 points Ends Apr 4, 2022

Best For

Year 1


Years 2 and +


Annual Fee


Interest rates
Purchase Rates

11.9 %

Cash Advance Rates

11.9 %

Balance Transfer Rates

11.9 %

Your Monthly Spending


  • Apply for an HSBC +Rewards™ Mastercard® by April 4, 2022 and get 35,000 Points ($175 travel value) if you keep your account open and active for 180 days*.
  • 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

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

Card Awards

Best low interest credit card

Fees & Conditions

Personal Income $0
Household Income $0
Annual Fee $25
First Additional Card $10
Foreign Transaction Fee 2.5%
Purchase Rate (QC) 11.9%
Cash Advance Rate (QC) 11.9%
Balance Transfer Rates (QC) 11.9%


Year 1
Years 2 and +
Welcome bonus
0 $
Annual credit
Travel benefits
VIP lounges
First-Year Offer Value
Accumulated rewards
Annual fee
Net value

Reward points value

We have established a valuation of the reward point in cents for each loyalty program. More information on the points valuation page.

First-year value

For all credit cards offers, we estimate the value of the welcome offer (bonus, annual fee rebate) in the first year, plus the value of the rewards earned based on your purchases entered in the calculator for the six categories:

  • Grocery
  • Gas/Transit
  • Meals
  • Travel
  • Bills
  • Other purchases

First-Year Net Value = Welcome Bonus Value + Benefits (Annual Credit, VIP lounges, etc.) + Earned Rewards First-Year Annual Fee

Value of subsequent years

For the value of subsequent years, we consider the earned rewards based on your purchases indicated in the calculator and any benefits offered.

Subsequent years’ net value = Earned Rewards + Benefits (Annual Credit, VIP lounges, etc.) Annual fee

VIP lounges:

For credit cards with complimentary airport lounge access, this benefit is calculated as follows:

  • 1 access = $40
  • Unlimited access = $400 (the value of 10 annual visits)


Offer ends on Apr 4, 2022
Welcome Bonus 35,000 points
Minimum Spending Required $0


All Spending 2 points
Drugstores 2 points
Groceries 2 points
Convenience Stores 2 points
Gas 2 points
Telecom/Internet 2 points
Local Transport 2 points
Streaming services 2 points
Dining and Food delivery 2 points
Online transactions 2 points
Recurring Payments 2 points
Office Supplies 2 points
Travel 2 points
Entertainment 2 points


Purchase Protection
Purchase Protection - Duration 90 day(s)
Price Protection
Extended Warranty
Extended Warranty - Duration 1 year
3.9 Milesopedia Rating