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.

Get up to 130,000 points with this offer!

Welcome Bonus

Up to 130,000 points Ends Jan 31, 2022



Best For

Annual Fee


Purchase Rates

19.9 %

Cash Advance Rates

22.9 %

Balance Transfer Rates

22.9 %


  • Earn up to 130,000 Points* ($650 travel value). Must apply by January 31, 2022. Conditions apply.
    • Welcome Bonus – 20,000 Points ($100 travel value)
    • Receive an additional 80,000 Points ($400 travel value) if you keep your account open and active for 180 days
    • Earn 10,000 Points ($50 travel value) for adding your 1st Authorized User
    • Receive an additional 20,000 Points ($100 travel 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
Foreign Transaction Fee 0.00%
Purchase Rate (QC) 19.9%
Cash Advance Rate (QC) 22.9%
Balance Transfer Rates (QC) 22.9%


Offer ends on Jan 31, 2022
Welcome Bonus Up to 130,000 points
Minimum Spending Required $0
Minimum Spending Timeframe 180 day(s)
Rewards Type Travel points
Transferable Points
Transfer Partners HSBC World Elite Rewards Program
Loyalty Program HSBC World Elite Rewards Program
Annual Credit $100
All Spending 3
Travel 6
Local Transport 3
Dining and Food delivery 3
Groceries 3
Convenience Stores 3
Gas 3
Drugstores 3
Office Supplies 3
Telecom/Internet 3
Entertainment 3
Online transactions 3
AIR MILES partners 3
Air Canada 6
Streaming services 3
Recurring Payments 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 $500
Annual Travel Privilege Credit $100
Annual fee $149
Value $451


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