HSBC +Rewards™ Mastercard®

HSBC +Rewards™ Mastercard®
Apply Now
Conditions apply
Best low interest credit card

HSBC +Rewards™ Mastercard®

Welcome Bonus

Up to 40,000 Points Ends Oct 31, 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 %

Best low interest credit card
Your Monthly Spending


  • Special offer: Earn up to 40,000 points* ($200 travel value). Must apply by October 31, 2022. Conditions apply.
    • Earn 35,000 points* when you keep your account open and active for 6 months ($175 travel value)
    • Earn 5,000 points* when you start your application online ($25 travel value)
  • 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
Year 2+
Welcome Bonus
0 $
Annual Credit
Travel benefits
VIP Lounges
First year offer value
Accumulated rewards
Annual fee
Net value


Offer ends on Oct 31, 2022
Welcome Bonus amount Up to 40,000 Points
Minimum Spending Required $0


Per dollar of purchases

All Spending 1 Point
Groceries 1 Point
Gas 1 Point
Dining and Food delivery 2 Points
Convenience Stores 1 Point
Drugstores 1 Point
Local Transport 1 Point
Travel 1 Point
Entertainment 2 Points
Recurring Payments 1 Point
Telecom/Internet 1 Point
Streaming services 1 Point
Online transactions 1 Point
Office Supplies 1 Point


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
Price Protection
3.9 Milesopedia Rating