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 and have your annual fee waived for the first year!

Welcome Bonus

Up to 100,000 points Ends Jan 31, 2022



Best For

Annual Fee


First Year Annual Fee Rebate (terms apply)
Purchase Rates

19.9 %

Cash Advance Rates

22.9 %

Balance Transfer Rates

22.9 %


  • Earn up to 100,000 Points* ($500 travel value) PLUS a full annual fee rebate for the Primary Cardholder for the first year ($149 value). Must apply by January 31, 2022. Conditions Apply.
    • Welcome Bonus of 20,000 Points ($100 travel value)
    • Spend $6,000 in the first 180 days to earn an additional 50,000 Points ($250 travel value)
    • 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
    • Annual Fee Rebate for the Primary Cardholder for the first year ($149 value)
  • 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 not available for residents of Quebec. For residents of Quebec, please click here.

Fees & Conditions

Personal Income $80,000
Household Income $150,000
Annual Fee $149
First Year Annual Fee Rebate
First Additional Card $50
First Year Annual Fee Rebate - First Additional Card
Foreign Transaction Fee 0.00%
Purchase Rates 19.9%
Cash Advance Rates 22.9%
Balance Transfer Rates 22.9%


Offer ends on Jan 31, 2022
Welcome Bonus Up to 100,000 points
Minimum Spending Required $6,000
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 $350
Annual Travel Privilege Credit $100
Value $450


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