HSBC World Elite® Mastercard®

HSBC World Elite® Mastercard®

The Best Mastercard Credit Card in Canada with no FX-fee. Earn 6 points per dollar on travel purchases and 3 points everywhere else, including Costco.

Earn up to 100,000 points with this offer!

Welcome Bonus

up to 100,000 points Ends Sep 27, 2021



Best For

Annual Fee


Purchase Rates

19.9 %

Cash Advance Rates

22.9 %

Balance Transfer Rates

22.9 %


  • Welcome Bonus of 20,000 Points (up to $100 value) PLUS apply by September 27th and get 50,000 Points (up to $250 in value) if you keep your account open and active for 6 months* earn 10,000 Points ($50 travel value) for adding your 1st Authorized User*, and receive an additional 20,000 Points (up to $100 in value) as an Anniversary Bonus*
  • Earn 3% in travel rewards on all eligible travel purchases (6 Points per $1)
  • Earn 1.5% in travel rewards on all other eligible purchases (3 Points per $1)
  • No foreign transaction fees. Only the exchange rate will apply.
  • $100 Annual Travel enhancement credit
  • 31-day Worldwide Emergency Travel Medical insurance
  • Primary Cardholder Annual Fee: $149
  • Annual Interest on Purchases: 19.9%
  • Annual Interest on Cash Advances and Balance Transfers: 22.9%
  • Authorized User Annual Fee: $50 Per Card

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

Fees & Conditions

Personal Income $80,000
Household Income $150,000
Annual Fee $149
First Additional Card $50
Purchase Rate (QC) 19.9%
Cash Advance Rate (QC) 22.9%
Balance Transfer Rates (QC) 22.9%


Offer ends on Sep 27, 2021
Welcome Bonus up to 100,000 points
Minimum Spending Timeframe 180 day(s)
Rewards Type Travel points
Transfer Partners HSBC World Elite Rewards Program
Loyalty Program HSBC World Elite Rewards Program
All Spending 3
Online transactions 3
AIR MILES partners 3
Air Canada 6
Streaming services 3
Travel Credits
Wifi Access



We estimate the value of the welcome offer during the first year for all the credit card offers. Are taken into consideration:

  • The value of cash back or points earned
  • The value of the benefits or credits earned with the Card
  • The annual fee value (offered or not)
Calculation of the offer value
the first year
Value per point 0.5 ¢
Welcome bonus $350
Annual Travel Privilege Credit $100
Annual fee $149
Value $301


Common Carrier Travel Accident Insurance
Delayed Baggage Insurance
Trip Cancellation Insurance
Trip Interruption Insurance
Travel medical insurance up to 64 years old
Auto Rental Loss/Insurance - Amount MSPP $65,000
Purchase Protection
Purchase Protection - Duration 90 day(s)
Extended Warranty
Extended Warranty - Duration 1 year(s)
Insurance Document Learn More
4.75 Milesopedia Rating