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HSBC: How do I use the $100 HSBC Annual Travel Credit?

To the point Here's our tutorial to help you use the $100 Annual Travel Enhancement Credit offered by the HSBC World Elite Mastercard.

Following the acquisition of HSBC Bank by RBC, the HSBC World Elite® Mastercard® has now been discontinued since October 2023. For another great card with no conversion fees, consider the Scotiabank Passport™ Visa Infinite* Card.

$100 Annual Travel Enhancement Credit

With the HSBC World EliteMD MastercardMD, you benefit from an annual $100 Travel Privilege credit. You must wait until the eligible travel expense has been charged to your account before you can use it, 60 days after the date of purchase.

You can use this travel credit for any purchase related to an airline ticket upgrade, baggage fees, seat selection or airport lounge admission. Some travel agencies may also qualify (such as Expedia ).

This credit must be used between the card purchase date and the annual renewal date (this credit is based on the anniversary date of your card account, not on the calendar year). If it is not used, it is lost.

You get this Travel-Privilege credit when subscribing to the HSBC World Elite® Mastercard®. This is in addition to the card’s other benefits, including the welcome bonus.

Access the HSBC Rewards portal

To use the Travel Privilège credit on your HSBC World Elite® Mastercard®, you must log in to your HSBC online account.

Then click on the link for your HSBC credit card. Another way is to go directly to the HSBC Rewards portal at this address.

HSBC Rewards step by step

Then click on ” View more details“.

HSBC Rewards

When the details drop-down menu opens, click on ” Reward Points“. A page will open and you will be directed to the HSBC Rewards portal. Please make sure that your browser does not block this new window.

HSBC Rewards how to access

Choose the expense to apply the travel credit

Once on the HSBC Rewards portal, select“Travel Enhancement Credit” from the”Travel” menu. Alternatively, you can click on this link to go to this page.


Then all you have to do is check off the eligible expense( s) such as this Easyjet ticket upgrade. Then indicate the amount you would like to use.

This can be useful if you have several small fees (such as baggage fees, seat selection or airport lounge admissions).

Then click on “Add to shopping cart.”

use travel credit hsbc en

Then, once in your cart, you will have to confirm once by clicking on “Proceed to checkout”.

use travel credit basket hsbc en

Then a second time by entering your email address and clicking on “Redeem”.

use travel credit confirmation hsbc en

The travel credit will then appear directly on your credit card account within 48 hours.

Note that travel expenses, such as with Expedia can also be accepted. Convenient for 100% cancelable hotel reservations.

expedia hsbc 2023 fr

Bottom Line

The HSBC World Elite® Mastercard® had an annual fee of $149. Using this $100 Annual Travel Privilège credit each year, you virtually lower your annual fee to $49. What’s unique about a credit card :

  • Mastercard World Elite (with insurance and accepted everywhere)
  • No foreign currency conversion fees
  • Earning 6 points per dollar on all travel purchases
  • Earning 4 points per dollar for grocery, gas and drugstore purchases
  • Earning 2 points per dollar on all purchases (including Costco)

And with reward points you can use on any travel purchase.

The HSBC World EliteMD MastercardMD will be converted to an RBC credit card by the end of March 2024. Use your travel credit as soon as you can!

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Mother of two young children, pharmacist, travel hacker's wife and frequent traveller, Audrey shares her advices and destinations recommendations on milesopedia.

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