{"id":343253,"date":"2024-01-25T06:00:00","date_gmt":"2024-01-25T11:00:00","guid":{"rendered":"https:\/\/milesopedia.com\/?p=343253"},"modified":"2025-10-08T10:41:23","modified_gmt":"2025-10-08T14:41:23","slug":"hsbc-world-elite-alternatives","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/guide\/strategy\/hsbc-world-elite-alternatives\/","title":{"rendered":"The best alternatives to the HSBC World Elite Mastercard"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>One of the favorite cards of the Milesopedia team and community, the HSBC World Elite<sup>MD<\/sup> Mastercard<sup>MD<\/sup> will unfortunately be withdrawn from the market by spring 2024. <a target=\"_blank\" href=\"\/?p=241732\">HSBC Canada has been acquired by RBC<\/a>, and all products will be migrated from one bank to the other.<\/p>\n<p>Holders of the HSBC World Elite<sup>MD<\/sup> Mastercard<sup>&reg;<\/sup> will have their account transferred to RBC and their card replaced by a . <a title=\"RBC Avion Visa Infinite Card\" href=\"https:\/\/milesopedia.com\/en\/go\/rbc-avion-visa-infinite\/\" rel=\"noindex\">RBC Avion Visa Infinite Card<\/a>. Certain benefits will be maintained, such as&nbsp;:<\/p>\n<ul>\n<li>No conversion fees for foreign currency transactions;<\/li>\n<li>A $100 travel credit for any hotel stay of $200 or more booked with <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/rbc-avion-rewards\/\">Avion Rewards<\/a>, within the first year.<\/li>\n<\/ul>\n<p>In addition, unused travel credit from the HSBC World Elite<sup>MD<\/sup> Mastercard<sup>MD<\/sup> will rollover to the new card. Other details of the transition remain to be confirmed, such as the transfer of HSBC Rewards points to RBC Avion Rewards and the card&#8217;s annual fees.<\/p>\n<p>To keep you abreast of developments, <a target=\"_blank\" href=\"\/?p=341049\">our comprehensive guide to the transition from HSBC to RBC<\/a> is continually updated with new information as it becomes available.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\"><\/div>[vc_custom_heading text=&#8221;Alternatives to HSBC World Elite&#8221; el_id=&#8221;alternatives_to_hsbc_world_elite&#8221;][vc_column_text]<\/p>\n<p>The disappearance of this product is a great shame, as it came with a host of advantages for frequent travelers. However, in the world of credit card rewards, the only constant is change. New products are created, others disappear, and we have to adapt.<\/p>\n<p>With that in mind, here&#8217;s a guide to help you choose the best card(s) to replace your HSBC World Elite Mastercard.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;For travel insurance&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;for_travel_insurance&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>One card stands out from the crowd for its excellent travel insurance: the <a title=\"National Bank World Elite Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/world-elite-mastercard-from-national-bank\/\" rel=\"noindex\">National Bank World Elite Mastercard<sup>&reg;<\/sup><\/a>. It&#8217;s the credit card offering the most comprehensive range of travel insurance in Canada.<\/p>\n<p>It gives you peace of mind when you&#8217;re on the move, with <a target=\"_blank\" href=\"https:\/\/www.bnc.ca\/content\/dam\/bnc\/particuliers\/pdf\/assurance\/certificat-713705-3.pdf\">extensive coverage<\/a> including:<\/p>\n<ul>\n<li>Emergency medical care insurance (outside province of residence)<\/li>\n<li>Trip Cancellation \/ Trip Interruption Insurance<\/li>\n<li>Insurance in case of theft or loss of luggage<\/li>\n<li>Flight delay insurance<\/li>\n<li>Insurance in case of baggage delay<\/li>\n<li>Car Rental Insurance<\/li>\n<\/ul>\n<p>What&#8217;s more, travel medical insurance can cover up to 60 days of travel, depending on your age. This is the longest coverage available on a credit card. Travellers aged 65 and over are also covered, for trips of less than 15 days.<\/p>\n<p>Finally, the flexibility of trip cancellation\/interruption insurance is a major advantage, since it applies even if you only pay for part of the trip with your card. All other cards require that all travel expenses be charged to the card.<\/p>\n<p>This flexibility is particularly useful when you use your <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/aeroplan\/\">Aeroplan<\/a> points or <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/british-airways-club\/\">Avios<\/a> to pay for part of your trip, and pay only the taxes with your credit card.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"401432\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;For flexible travel points&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;for_flexible_travel_points&#8221;][vc_column_text]<\/p>\n<p>A much-loved feature of the HSBC World Elite Mastercard was the flexibility of <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/hsbc-rewards\/\">HSBC Rewards<\/a> points. Indeed, these points could be applied to any travel expense, up to two months after the transaction.<\/p>\n<p>In terms of flexible travel points, the equivalent is the <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/sceneplus\/\">Scene+<\/a> program. As with HSBC Rewards, Scene+ points can be applied to any travel expense charged to the card at a rate of 100 points to <span class=\"nowrap\">$1<\/span> in statement credit.<\/p>\n<p>You can spend as you wish while traveling, then redeem your points when you return home.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"248186\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[vc_column_text]<\/p>\n<p>Two great Scotiabank cards earn Scene+ points on everyday purchases, plus offer generous welcome bonuses: the <a title=\"Scotiabank Passport\u2122 Visa Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/scotiabank-passport-visa-infinite-card\/\" rel=\"noindex\">Scotiabank Passport<sup>&reg;<\/sup> Visa Infinite Card<\/a> and the <a title=\"Scotiabank Gold American Express<sup>&reg;<\/sup> Card\" href=\"https:\/\/milesopedia.com\/en\/go\/scotiabank-gold-american-express-card\/\" rel=\"noindex\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a>.<\/p>\n<p>What&#8217;s more, these two cards also allow you to save on the <a href=\"https:\/\/milesopedia.com\/en\/avis\/cartes-credit\/best-no-foreign-transaction-fees-cards\/\">2.5% conversion fee<\/a> for foreign currency transactions. An excellent combo for a travel credit card!<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22642,22640\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div><div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[vc_column_text]<\/p>\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/td-rewards\/\">TD Rewards<\/a> program also gets a special mention, since points can be used on <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/expedia-for-td-guide\/\">Expedia for TD<\/a>. Admittedly, this limits the options a little, since you have to use them on Expedia for TD to get maximum value (<span class=\"nowrap\">0.5\u00a2<\/span> per point).<\/p>\n<p>It&#8217;s also possible to apply them as an statement credit for any travel expense, but the rate is not advantageous: you&#8217;ll have to use 250 points for a <span class=\"nowrap\">$1<\/span> credit (a value of <span class=\"nowrap\">0.4\u00a2<\/span> per point).<\/p>\n<p>However, you can use TD Rewards points for flights, hotels, all-inclusive packages, car rentals, cruises and even excursions.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"214598\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[vc_column_text]<\/p>\n<p>Take advantage of the <a title=\"TD First Class Travel<sup>&reg;<\/sup> Visa Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/td-first-class-travel-visa-infinite-card-qc\/\" rel=\"noindex\">TD First Class Travel<sup>&reg;<\/sup> Visa Infinite* Card<\/a> &#8216;s excellent <span class=\"nowrap\">135,000-point<\/span> welcome bonus until March 4, 2024. That&#8217;s <span class=\"nowrap\">$625<\/span> off your next vacation!<\/p>\n<p>Plus, receive a <span class=\"nowrap\">$100<\/span> annual travel credit to be applied to any purchase over <span class=\"nowrap\">$500<\/span> via <a target=\"_blank\" href=\"https:\/\/www.tdrewards.com\/expedia-for-td\">Expedia for TD<\/a>.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22724\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;For a good multiplier on travel expenses&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;for_a_good_multiplier_on_travel_expenses&#8221;][vc_column_text]<\/p>\n<p>The HSBC World Elite Mastercard was very lucrative with its accrual rate of 6 points per dollar spent on travel. Two cards on the market offer similar accumulation rates: the <a title=\"TD First Class Travel<sup>&reg;<\/sup> Visa Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/td-first-class-travel-visa-infinite-card-qc\/\" rel=\"noindex\">TD First Class Travel<sup>&reg;<\/sup> Visa Infinite* Card<\/a> and the <a title=\"BMO Ascend World Elite Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-world-elite-mastercard\/\" rel=\"noindex\">BMO Ascend World Elite<sup>&reg;<\/sup>* Mastercard<\/a>.<\/p>\n<p>With the <a title=\"TD First Class Travel<sup>&reg;<\/sup> Visa Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/td-first-class-travel-visa-infinite-card-qc\/\" rel=\"noindex\">TD First Class Travel<sup>&reg;<\/sup> Visa Infinite* Card,<\/a> you earn an excellent 8 points per dollar spent on travel via the Expedia for TD platform.<\/p>\n<p>Of course, this option is less flexible than with HSBC, but you can find almost anything on Expedia. With 8 points per dollar spent and a value of <span class=\"nowrap\">0.5\u00a2<\/span> per TD Rewards point, the net return is <span class=\"nowrap\">4%<\/span>.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22724\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[vc_column_text]<\/p>\n<p>With the <a title=\"BMO Ascend World Elite Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-world-elite-mastercard\/\" rel=\"noindex\">BMO Ascend World Elite Mastercard<\/a>, you can earn 5 points per dollar spent on travel, on any booking platform.<\/p>\n<p><a href=\"https:\/\/milesopedia.com\/en\/reward-program\/bmo-rewards\/\">BMO Rewards<\/a> points are worth <span class=\"nowrap\">0.67\u00a2<\/span> per point when applied as an statement credit toward travel expenses. This gives you a return of <span class=\"nowrap\">3.35%<\/span>. Be careful if the expense is not in Canadian dollars: the <span class=\"nowrap\">2.5%<\/span>foreign exchange fee on the transaction will eat into your net return.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22672\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;To save on FX fees&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;to_save_on_fx_fees&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The vast majority of Canadian credit cards charge conversion fees for <a href=\"https:\/\/milesopedia.com\/en\/reviews\/products\/review-xe-com-currency-transfer\/\" target=\"_blank\" rel=\"noopener\">foreign currency<\/a> transactions. These FX fees are generally <span class=\"nowrap\">2.5%<\/span>.<\/p>\n<p>Here are the three no-conversion-fee cards available in Canada, all issued by <a href=\"https:\/\/milesopedia.com\/en\/cards\/scotiabank\/\">Scotiabank<\/a> and part of the <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/sceneplus\/\">Scene+ program<\/a>:<\/p>\n<ul>\n<li><a title=\"Scotiabank Passport\u2122 Visa Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/scotiabank-passport-visa-infinite-card\/\" rel=\"noindex\">Scotiabank Passport\u2122 Visa Infinite* Card<\/a>;<\/li>\n<li><a title=\"Scotiabank Gold American Express<sup>&reg;<\/sup> Card\" href=\"https:\/\/milesopedia.com\/en\/go\/scotiabank-gold-american-express-card\/\" rel=\"noindex\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a> and<\/li>\n<li><a title=\"Scotiabank Platinum American Express<sup>&reg;<\/sup> Card\" href=\"https:\/\/milesopedia.com\/en\/go\/scotiabank-platinum-american-express\/\" rel=\"noindex\">Scotiabank Platinum American Express<sup>&reg;<\/sup> Card<\/a>.<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_message message_box_color=&#8221;success&#8221;]<\/p>\n<p>RBC has confirmed that former HSBC World Elite<sup>MD<\/sup> Mastercard<sup>MD<\/sup> holders will continue to enjoy foreign currency purchases <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/forex\/\">without conversion fees<\/a> on their new HSBC World Elite<sup>MD<\/sup> Mastercard<sup>&reg;<\/sup>. <a title=\"RBC Avion Visa Infinite Card\" href=\"https:\/\/milesopedia.com\/en\/go\/rbc-avion-visa-infinite\/\" rel=\"noindex\">RBC Avion Visa Infinite Card<\/a>.<\/p>\n<p>[\/vc_message]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='compare-simple'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare-simple container_count--3'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22640,22641,22642\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n    <div class=\"card card-list card-list-header\">\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n    <\/div>\n\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[vc_column_text]<\/p>\n<p>Two other good options for saving 2.5% on every foreign currency transaction are the Visa Debit <a title=\"Wise\" href=\"https:\/\/milesopedia.com\/go\/transferwise\/\" rel=\"noindex\">Wise<\/a> card and the Mastercard Debit Wealthsimple Cash card. These two prepaid cards offer a host of advantages for travelers.<\/p>\n<div class=\"wpb_text_column wpb_content_element \">\n<div class=\"wpb_wrapper\">\n<p>Find our product guides here:<\/p>\n<\/div>\n<\/div>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"247123,304797\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;For an annual travel credit&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;for_an_annual_travel_credit&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The HSBC World Elite<sup>MD<\/sup> Mastercard<sup>MD<\/sup> offered an annual credit of $100 to be applied to expenses designed to enhance your travel experience. This benefit was much appreciated by travelers, who could use it for baggage fees, airport parking, seat pre-selection, and so on.<\/p>\n<p>[\/vc_column_text][vc_message message_box_color=&#8221;success&#8221;]<\/p>\n<p>The new <a title=\"RBC Avion Visa Infinite Card\" href=\"https:\/\/milesopedia.com\/en\/go\/rbc-avion-visa-infinite\/\" rel=\"noindex\">RBC Avion Visa Infinite Card<\/a> for former HSBC World Elite<sup>MD<\/sup> Mastercard<sup>MD<\/sup> holders will come with a <span class=\"nowrap\">$100<\/span> travel credit for any hotel stay of <span class=\"nowrap\">$200<\/span> or more booked with <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/rbc-avion-rewards\/\">Avion Rewards<\/a> in the first year. Also, the unused balance of the HSBC World Elite<sup>MD<\/sup> travel credit will rollover to the new card.<\/p>\n<p>[\/vc_message][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Many Canadian credit cards offer a similar annual credit that can be applied to certain travel expenses:<\/p>\n<ul>\n<li><a title=\"National Bank World Elite Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/world-elite-mastercard-from-national-bank\/\" rel=\"noindex\">National Bank World Elite Mastercard<sup>&reg;<\/sup><\/a> ($150)<\/li>\n<li><a title=\"TD First Class Travel<sup>&reg;<\/sup> Visa Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/td-first-class-travel-visa-infinite-card-qc\/\" rel=\"noindex\">TD First Class Travel<sup>&reg;<\/sup> Visa Infinite* Card<\/a> ($100)<\/li>\n<li>the <a title=\"American Express Platinum Card<sup>&reg;<\/sup>\" href=\"https:\/\/milesopedia.com\/en\/go\/amex-platinum-card\/\" rel=\"noindex\">American Express Platinum Card<sup>&reg;<\/sup><\/a> (200&nbsp;$)<\/li>\n<li><a title=\"American Express<sup>&reg;<\/sup> Gold Rewards Card\" href=\"https:\/\/milesopedia.com\/en\/go\/amex-gold-rewards-card\/\" rel=\"noindex\">American Express Gold Rewards Card<\/a> ($100)<\/li>\n<li><a title=\"BMO eclipse Visa Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-eclipse-visa-infinite\/\" rel=\"noindex\">BMO eclipse Visa Infinite* Card<\/a> ($50)<\/li>\n<li><a title=\"BMO eclipse Visa Infinite Privilege* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-eclipse-vip\/\" rel=\"noindex\">BMO eclipse Visa Infinite Privilege* Card<\/a> ($200)<\/li>\n<li><a title=\"CIBC Aventura<sup>&reg;<\/sup> Visa Infinite Privilege* card\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-aventura-visa-infinite-privilege-card\/\" rel=\"noindex\">CIBC Aventura Visa Infinite* Privilege Card<\/a> ($200)<\/li>\n<\/ul>\n<p>These credits considerably reduce the annual fee for these cards. As with the <a title=\"National Bank World Elite Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/world-elite-mastercard-from-national-bank\/\" rel=\"noindex\">National Bank World Elite Mastercard<sup>&reg;<\/sup><\/a>, the credit completely offsets the <span class=\"nowrap\">$150 <\/span> annual fee; it&#8217;s practically free!<\/p>\n<p>For the <a title=\"TD First Class Travel<sup>&reg;<\/sup> Visa Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/td-first-class-travel-visa-infinite-card-qc\/\" rel=\"noindex\">TD First Class Travel<sup>&reg;<\/sup> Visa Infinite* Card<\/a>, the net annual fee is <span class=\"nowrap\">$39 <\/span>after the $100 annual credit to be used on Expedia for TD.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"170863,201706\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div><div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--3'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"401432,22724,105658\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;For Costco purchases&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;for_costco_purchases&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>All Mastercard cards are accepted in Costco warehouses. Unfortunately, these expenses are not considered groceries and don&#8217;t earn a special multiplier.<\/p>\n<p>It&#8217;s up to you to choose your preferred rewards program and use the associated card for basic accumulation:<\/p>\n<ul>\n<li>With the <a title=\"National Bank World Elite Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/world-elite-mastercard-from-national-bank\/\" rel=\"noindex\">National Bank World Elite Mastercard<\/a>, you earn 1 <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/nbc-a-la-carte-rewards\/\">NBC Rewards<\/a> point per dollar, which you can then <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/how-to-use-nbc-rewards-points-travel\/\">apply to travel discounts<\/a> (value between <span class=\"nowrap\">0.83<\/span> and <span class=\"nowrap\">1\u00a2<\/span> per point).<\/li>\n<li>With the <a title=\"BMO Ascend World Elite Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-world-elite-mastercard\/\" rel=\"noindex\">BMO Ascend World Elite Mastercard<\/a>, you&#8217;ll earn 1 <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/bmo-rewards\/\">BMO Rewards<\/a> point per dollar, which you can <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/how-to-use-bmo-reward-points\/\">apply as an statement credit toward travel expenses<\/a> (value of <span class=\"nowrap\">0.67\u00a2<\/span> per point).<\/li>\n<li>With the <a title=\"MBNA Rewards World Elite<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup>\" href=\"https:\/\/milesopedia.com\/en\/go\/mbna-rewards-world-elite-mastercard-qc\/\" rel=\"noindex\">MBNA Rewards World Elite Mastercard,<\/a> you&#8217;ll earn 1 <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/mbna-rewards\/\">MBNA Rewards<\/a> point per dollar that you can use for travel discounts through the MBNA travel agency (value of <span class=\"nowrap\">1\u00a2<\/span> per point).<\/li>\n<\/ul>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='compare-simple'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare-simple container_count--3'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"401432,22672,25774\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Alternatives to HSBC World Elite &#8211; My strategy for travel expenses&#8221; el_id=&#8221;alternatives_to_hsbc_world_elite_-_my_strategy_for_travel_expenses&#8221;][vc_column_text]<\/p>\n<p>With the imminent withdrawal of the Mastercard<sup>MD<\/sup> HSBC World Elite<sup>MD<\/sup> Mastercard, I had to think about an alternative strategy to maximize rewards on my travel purchases. Indeed, with HSBC, I didn&#8217;t have to bother. I put all my travel bookings and foreign expenses on this card to earn 6 points per dollar, a <span class=\"nowrap\">3%<\/span> return.<\/p>\n<p>Without this all-purpose card, I have to turn to the other cards in my wallet. For now, my strategy will be to book my flights, independent hotels and car rental on <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/expedia-for-td-guide\/\">Expedia for TD<\/a> with my <a title=\"TD First Class Travel<sup>&reg;<\/sup> Visa Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/td-first-class-travel-visa-infinite-card-qc\/\" rel=\"noindex\">TD First Class Travel<sup>&reg;<\/sup> Visa Infinite* Card<\/a>. These expenses will earn me 8 TD Rewards points per dollar, a return of <span class=\"nowrap\">4%<\/span>.<\/p>\n<p>[\/vc_column_text][vc_single_image image=&#8221;342900&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>For other expenses incurred while traveling, I plan to use a card with no conversion fees. Both Scotiabank cards offer the same base multiplier, i.e. 1 <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/sceneplus\/\">Scene+<\/a> point per dollar spent. As American Express is not as widely accepted as Visa around the world, my choice is the <a title=\"Scotiabank Passport\u2122 Visa Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/scotiabank-passport-visa-infinite-card\/\" rel=\"noindex\">Scotiabank Passport Visa Infinite* Card<\/a>. Considering the value of Scene+ points, I&#8217;ll get a <span class=\"nowrap\">1%<\/span> return on these out-of-category travel expenses.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='compare-simple'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare-simple container_count--3'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22621,22724,22642\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Bottom Line&#8221; el_id=&#8221;bottom_line&#8221;][vc_column_text]<\/p>\n<p>Unfortunately, it will be difficult to replace the HSBC World Elite Mastercard<sup>&reg;<\/sup> with just one product. To get all the same benefits, you&#8217;ll need to choose at least two cards.<\/p>\n<p>However, the <a title=\"National Bank World Elite Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/world-elite-mastercard-from-national-bank\/\" rel=\"noindex\">National Bank World Elite Mastercard<sup>&reg;<\/sup><\/a> often tops the list in most of the categories listed above. This card is your best choice for excellent insurance, a <span class=\"nowrap\">$150<\/span> annual travel credit, flexible points to apply to travel and access to the <a href=\"https:\/\/milesopedia.com\/en\/reviews\/airport-lounges\/national-bank-airport-lounge-montreal-trudeau\/\">National Bank Lounge at Montr\u00e9al-Trudeau International Airport<\/a>. Its only shortcoming is that it charges a 2.5% fee for foreign currency transactions.<\/p>\n<p>So I recommend rounding out your travel wallet with the <a title=\"Scotiabank Passport\u2122 Visa Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/scotiabank-passport-visa-infinite-card\/\" rel=\"noindex\">Scotiabank Passport\u2122 Visa Infinite* Card<\/a>. This way, you&#8217;ll save on conversion fees abroad, and even gain access to VIP airport lounges worldwide with six passes per year. A truly winning duo!<\/p>\n<p>Finally, for an excellent multiplier on travel spending, also consider the <a title=\"BMO Ascend World Elite Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-world-elite-mastercard\/\" rel=\"noindex\">BMO Ascend World Elite Mastercard<\/a> and the <a title=\"TD First Class Travel<sup>&reg;<\/sup> Visa Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/td-first-class-travel-visa-infinite-card-qc\/\" rel=\"noindex\">TD First Class Travel<sup>MD<\/sup> Visa Infinite* Card<\/a>.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='8'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--7 container_count--lots'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22621,22672,22724,401432,22640,22642,105658\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[vc_message]<\/p>\n<p>To help you choose a new card, take a look at our comparisons:<\/p>\n<p>[\/vc_message]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='6'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--5 container_count--lots'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"271763,323643,321785,144365,121107,244867\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_toggle title=&#8221;Is the HSBC World Elite card discontinued?&#8221; open=&#8221;true&#8221;]<\/p>\n<p>Yes, the HSBC World Elite Mastercard<sup>&reg;<\/sup> has been discontinued since October 2023. In the spring of 2024, all cards will be replaced by an equivalent RBC product.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;What will happen to HSBC Canada?&#8221; open=&#8221;true&#8221;]<\/p>\n<p>The HSBC Canada branch was acquired by Royal Bank of Canada (RBC). By spring 2024, <a target=\"_blank\" href=\"\/?p=341049\">all banking products for HSBC customers will be migrated<\/a> to RBC.<\/p>\n<p>[\/vc_toggle][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Overview of alternatives to the HSBC World Elite Mastercard for travel rewards, insurance or to save on foreign exchange fees abroad.<\/p>","protected":false},"author":2468,"featured_media":342741,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[48137],"tags":[],"mc_loyalty_program":[],"class_list":["post-343253","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-strategy","mc_issuer-american-express-canada-en","mc_issuer-bmo-en","mc_issuer-national-bank-of-canada","mc_issuer-scotiabank","mc_issuer-td-en","mc_market-all-of-canada"],"acf":{"post_series":false,"mc_series_order":"","mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":"","mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- 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