HSBC Premier World Elite Mastercard - Full Details

HSBC Premier World Elite® Mastercard® – Full Details

Experience a world of possibilities

Get the rewards and benefits you've earned, with a credit card that suits your global lifestyle

Annual fee

Primary cardholder fee: $149+
Additional/supplementary cards: $0

+$149 to be charged upon enrolment and annually on your anniversary date. If, on the date the annual fee is charged, you qualify as an HSBC Premier* client, the Account will be eligible for a $50 rebate of the annual fee.

View the Rates and Fees Information Box for details.

Annual interest rate


Rewards program

With the HSBC Premier World Elite® Mastercard® you earn 3%1 in travel rewards on all eligible travel purchases2 (6 Points per $1) and earn 1.5% in travel rewards on all other eligible purchases3 (3 Points per $1).

Enjoy maximum flexibility and redeem your Points on your terms for:

  • Travel
  • Gift cards and valuable merchandise
  • Financial rewards
  • Rewards for miles4

Please visit our HSBC rewards website for more information.

No foreign currency conversion charge

Unlike most credit cards, the HSBC Premier World Elite Mastercard will not charge you a foreign currency conversion charge when you make a purchase in a different currency. Only the foreign exchange rate will apply. This makes shopping abroad or online a more rewarding experience.

$100 travel enhancement credit

Simply charge your airline seat upgrades, baggage fees or airport lounge passes to your HSBC Premier World Elite Mastercard, and then redeem your travel enhancement credit to cover these charges, making your travel more enjoyable.

The annual $100 travel enhancement credit will automatically renew on your credit card anniversary date. Any unused portion of the credit will expire at the end of a calendar year.

31-day travel insurance4 coverage

Extended worldwide Emergency Travel Medical insurance4 can provide coverage if you are injured or experience a medical emergency while traveling abroad.

This coverage is available for the primary cardholder and spouse, both under age 65. Please note that travel in Cuba is not covered.

Additional travel benefits*

Learn more about these new benefits, and their restrictions, conditions and availability.

LoungeKey Mastercard Airport Experiences Provided by LoungeKey
Receive a complimentary membership to Mastercard Airport Experiences Provided by LoungeKey with your HSBC Premier World Elite Mastercard, offering you access to over 850 airport lounges worldwide.
Please note that there will be a charge of US$27 per person for each visit.
In addition, HSBC Premier World Elite Mastercard cardholders can relax, enjoy and refresh as they wait for their flight with select food experiences, relaxing spa treatments and retail discounts of up to 20%.
Find out more about Mastercard Airport Experiences and to enjoy the dining, retail and spa offers please register at

Discover a world of savings with Expedia and Agoda
10% discount on select hotel bookings on your card with Expedia and Agoda when you book directly through the HSBC Expedia and Agoda websites. For more information please visit:
Boingo Get unlimited Wi-Fi through Boingo at over 1 million hotspots worldwide
Connect up to four devices at airports, hotels and popular places around town.

Extensive insurance4 coverage

  • Worldwide Emergency Travel Medical insurance4
    As an HSBC Premier World Elite Mastercard cardholder, you can travel with peace of mind. Receive emergency travel medical coverage for you (as the primary cardholder), your spouse and dependent children traveling with you, up to a maximum of $1,000,000 per insured person. You are covered for up to 31 days per trip each time you travel. This coverage is available for the primary cardholder and spouse, both under age 65. Please note that travel in Cuba is not covered.
  • Baggage Delay or Loss insurance4
    Did your baggage get damaged during your trip? You are covered to a maximum of $750 per insured person (maximum of $500 per item). It covers loss or damage, theft, burglary and fire or transportation hazards during the trip. You are also covered for up to $200 per trip for the purchase of necessities if your checked baggage is delayed by the carrier for 12 hours or more en route to your destination.
  • Trip Cancellation and Trip Interruption/Delay insurance4
    Charge at least 75% of eligible trip expenses to your HSBC Premier World Elite® Mastercard® and you are covered should you need to cancel your trip before the scheduled departure date due to a covered event (such as death, injury or illness of yourself, or your immediate family); or change or delay your return once you have left on a trip.
    Under the Trip Cancellation coverage, you will be reimbursed for the prepaid portion of your trip that is non-refundable or non-transferable up to $2,000 per insured person, to a maximum of $5,000 per trip. Under Trip Interruption/Delay, you will be reimbursed up to a maximum of $2,000 per insured person to a maximum $5,000 per trip, for the additional charges incurred for the change of ticketing or the cost of a one-way economy fare by a common carrier to return home early or to delay your scheduled return.
  • Car Rental insurance4
    Save when you rent a car with your HSBC Premier World Elite Mastercard.
    You are automatically covered under Car Rental Collision/Loss Damage when you charge at least 75% of the cost of a rental vehicle to your HSBC Premier World Elite Mastercard and decline the rental agency’s collision or loss damage waiver. Car Rental Collision/Loss Damage insurance compensates you, or the rental agency, up to the full value of the damaged or stolen rental vehicle and any reasonable towing or loss of use charges. Benefits are limited to one vehicle rental during any one period, for up to 31 consecutive days.
    Car Rental insurance also includes Personal Effects and Car Rental Accidental Death and Dismemberment insurance coverage.
  • Purchase Assurance and Extended Warranty Insurance4
    When you use your HSBC Premier World Elite Mastercard to purchase eligible items, Purchase Protection provides coverage in the event of loss, damage or theft for 90 days from the purchase date.
    Extended Warranty coverage automatically doubles the original manufacturer’s warranty for up to one additional year when you use your HSBC Premier World Elite Mastercard to purchase most items.

Security and convenience

  • Apple Pay6
  • tap & go
  • Zero liability7 protection for unauthorized use of the card

Important Information about the HSBC Premier World Elite Mastercard

To apply for an HSBC Premier World Elite Mastercard, you must:

  • Be an HSBC Premier* client
  • Have a minimum annual gross personal income of $80,000 or a minimum annual gross household income of $150,000
  • Be a permanent Canadian resident and have reached the age of majority in your province/territory

The HSBC Premier World Elite Mastercard is subject to credit approval.

*HSBC Premier eligibility requires you to have an active HSBC Premier chequing account and maintain a $100,000 balance in combined personal deposits and investments with HSBC Bank Canada and its subsidiaries, some exclusions apply. For full details regarding eligibility and any fees which may apply, please refer to the Personal Service Charges/Statement of Disclosure available at any HSBC Bank Canada branch or online.

1Points earned on eligible travel purchases can be redeemed for rewards valued at up to 3% of the amount spent to earn them, and Points earned on all other eligible purchases can be redeemed for rewards valued at up to 1.5% of the amount spent to earn them. For example, $5,000 in eligible travel purchases earns you 30,000 Points, which can be redeemed for travel rewards valued at $150. Other rewards that require 30,000 Points for redemption may be valued at less than $150. Redemption offers may change from time to time.

2Eligible travel purchases mean purchases made from merchants that are classified in the Mastercard network as airlines, car rental agencies, hotels, cruise lines, passenger railways, tour operators, timeshares and travel agencies. Some merchants may sell travel services but are classified in another manner, therefore, purchases from such merchants are not considered to be eligible travel purchases.

3Eligible purchases means purchases of goods and services that are charged to your Account, except for quasi-cash transactions (which include purchases of wire transfers, travelers cheques, foreign currency, money orders, payments of existing debts, bets, lottery tickets, and gaming chips), less any credits for returns, rebates or adjustments. Cash advances (including balance transfers and cheques), optional services, interest charges or fees, do, not qualify as eligible purchases. See the HSBC Premier World Elite Mastercard Cardholder Manual for further details.

4Insurance coverage is underwritten by American Bankers Life Assurance Company of Florida (ABLAC) and/or American Bankers Insurance Company of Florida (ABIC). ABLAC, ABIC, their subsidiaries and affiliates, carry on business in Canada under the name Assurant®. ®Assurant is a registered trademark of Assurant, Inc. Details of coverage, including definitions, benefits, limitations, and exclusions, are in the Certificate of Insurance provided in your Cardholder Manual.

5Qualified airline purchases are those purchases that are identified in the Mastercard network specifically as Airlines.

6Apple Pay works with iPhone 6 and later in stores, apps, and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2, and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, see

7Zero Liability applies to purchases made in the store, over the telephone, online or via a mobile device and ATM transactions. We will not hold you responsible for unauthorized use if: 1. You have used reasonable care in safeguarding your Card and any related information, including Personal Identification Number (PIN) or password, and have not contributed to any unauthorized use of your Card, PIN, Account number or Cheques; and 2. You report to us any actual or suspected loss, theft or unauthorized use of your Card, PIN, Account number or Cheques immediately after becoming aware of it.

®/™Mastercard and World Elite are registered trademarks and the circles design and tap & go are trademarks of Mastercard International Incorporated. Used pursuant to license.
Issued by HSBC Bank Canada

Are you eligible for an HSBC Premier World Elite Mastercard?

Check full eligibility details

How to apply