^TM HSBC +Rewards is a trademark of HSBC Group Management Services Limited. Used pursuant to license.

® Mastercard and Cirrus are registered trademarks of Mastercard International Incorporated. Used pursuant to license.

® Trade-mark of Interac Inc. Used under license.

^* Terms and conditions apply.

^** Terms and conditions apply. Offer ends November 30, 2022.

^ Terms and Conditions apply. This offer is non-transferable. Offer ends June 7, 2023. Eligible HSBC customers who are registered for Online Banking and are receiving paper statements and important documents, can receive up to $20 (CDN) for switching their communication preferences for “statements and important documents” for their HSBC Bank and Investment accounts and HSBC Mastercard® from “paper and online” to “online only” between April 20, 2023 to June 7, 2023. Changes to communication preferences must be retained until August 7, 2023. Offer may be amended, extended or cancelled at the sole discretion of HSBC at any time without prior notice.

†HSBC InvestDirect (HIDC) is a division of HSBC Securities (Canada) Inc., a direct subsidiary of, but separate entity from, HSBC Bank Canada. HIDC is an order execution only service. HIDC does not provide any investment advice or recommendations or tax advice regarding your investment decisions or transactions, and does not determine the suitability of your investment decisions or transactions. HSBC Securities (Canada) Inc. is a member of the Investment Industry Regulatory Organization of Canada and the Canadian Investor Protection Fund.

^†† Issued by HSBC Investment Funds (Canada) Inc.; Visit hsbc.ca/wealthcompass for important disclosure information. The Digital Banker award recognises and celebrates the world's preeminent Financial Services Organisations that are pioneering unrivalled standards and capabilities in their respective fields.

†† The Digital Banker award recognises and celebrates the world's preeminent Financial Services Organisations that are pioneering unrivalled standards and capabilities in their respective fields. HSBC Canada did not pay to be considered or granted this award.

^‡A discount will be applied to the foreign exchange (“FX”) rates for eligible physical banknote conversions. Eligible currencies vary depending on availability and are subject to change. US dollars are excluded from this offer. Discounted rates are valid for: (1) purchase of eligible non-Canadian dollar (“CAD”) banknotes when debited from eligible CAD accounts; and (2) buyback of non-CAD banknotes when converted to CAD. Rates in effect through August 11, 2023. Offer available to existing HSBC Bank Canada customers only. Available in the branch or via order to your local branch for pickup. Non-CAD currency FX orders debited from eligible CAD accounts. If debited from or credited to a non-CAD account, an initial transaction to convert from the account currency to or from CAD may be performed prior to fulfilment of order. Most orders not fulfilled on demand will typically be available via delivery to the branch in 1-3 business days but may require up to 5 days. Minimum $100 CAD equivalent order applies to in-branch conversions.

¹ The value was calculated using current World Elite credit card redemption values posted on rewards.hsbc.ca for credit card travel rewards credit. The card has a minimum redemption amount of 25,000 points with increments of 10,000 thereafter. Your HSBC Credit Card account must be open and in good standing at the time of redemption and when we credit your credit card. All rewards offered are subject to the current Terms and Conditions of the HSBC Rewards Program.

² All rates are as of June 1, 2023 and are subject to change without notice. Terms and conditions apply for the special offers: Non-redeemable, non-registered GICs and Registered term deposits.

³ All rates are as of June 1, 2023 and are subject to change without notice. Terms and conditions apply.

⁴ Terms and conditions apply. Offer value is composed of multiple products, valid from May 16, 2022 to November 30, 2023.

^5a “Offers” refer collectively to the “Welcome Bonus”, “Additional Bonus”, and “Annual Fee Rebate”.

Eligibility: Offers only apply to approved HSBC World Elite Mastercard accounts for applications received between March 1, 2023 and August 31, 2023. Only one new account per customer is eligible for these Offers.

The following applicants are not eligible for any of the Offers:

• Applicants who have held an HSBC World Elite Mastercard, HSBC Premier World Elite Mastercard or HSBC Metal World Elite Mastercard account in the 12 months before submitting the application

• Applicants switching from an existing HSBC credit card

Offers may be changed, withdrawn or extended at any time without notice and cannot be combined with any other HSBC credit card offers, except offers stating that they can be combined with other HSBC credit card offers. The HSBC World Elite Rewards Program Terms and Conditions apply. Account opening is subject to eligibility requirements, credit review and approval, and meeting one of the following income/asset requirements: (1) a minimum of $80,000 in annual personal income (before taxes) or $150,000 in annual household income (before taxes), or (2) a minimum of $400,000 in assets under management (based on liquid, investable assets with financial institutions in Canada).

Welcome Bonus: The Welcome Bonus of 20,000 points will be awarded when you make the first purchase on your HSBC World Elite Mastercard account following account opening. The Welcome Bonus will be credited in accordance with the HSBC World Elite Rewards Program Terms and Conditions. Limit of one Welcome Bonus per new HSBC World Elite Mastercard account.

Additional Bonus: If you’re not a resident of Quebec, you can receive the additional 10,000 points for each month during which you make eligible Net Purchases of $1,000 or more. The additional points will only be earned for the period beginning from the account opening date and ending 6 months from the account opening date. If you do not meet the Net Purchases amount in one month, you can still be eligible to earn 10,000 additional points during each of the following months within the Additional Bonus period. “Net Purchases” means the total amount of your eligible purchases minus the total amount of returns you make (or similar credits applied to your account). The additional points will be awarded approximately 60 days following the qualifying $1,000 monthly spend and credited in accordance with the HSBC World Elite Rewards Program Terms and Conditions. If you are a resident of Quebec, you can receive the additional 90,000 points if you keep your account open, active and in good standing for 180 days from your account opening. The additional points are in addition to the points earned on the eligible purchases at the earn rate listed in the HSBC World Elite Rewards Program Terms and Conditions. The additional points will be awarded approximately 180 days after account opening and credited in accordance with the HSBC World Elite Rewards Program Terms and Conditions. The points will appear in your HSBC Rewards Account within two statement periods of the day they are awarded. Your account must be open and in good standing on the day the additional points are credited.

Annual fee rebate: The first annual fee rebate for the primary cardholder is only available to residents of Canada other than the province of Quebec. This rebate applies for the first year only. A one-time rebate will apply in the amount of the annual fee charged to your HSBC World Elite Mastercard account for the Primary Cardholder in the first year, minus any other rebate of the annual fee you receive. No credit will be issued for any supplementary card fees on your account. This rebate will appear as a credit against the annual fee within two statement periods of account opening. Your HSBC World Elite Mastercard account must be open and in good standing at the time the rebate is applied.

^5b The $100 Travel Enhancement Credit is automatically available when your card is first issued and will be renewed annually on the anniversary of your Account, provided your Account is in good standing. It can be redeemed toward eligible airline baggage fee, airline seat upgrade or airport lounge pass purchases made on the Account. The Travel Enhancement Credit is available for one year from the date it was made available or renewed, and must be redeemed within 60 days from the date the eligible travel purchase is posted on your Account. At each anniversary of your Account, any portion of the Travel Enhancement Credit for which you did not submit a redemption request will expire and will not be carried over to the following year.

^®/TM World Elite and Mastercard are registered trademarks, and the circles design and tap & go are trademarks of Mastercard International Incorporated.  Used pursuant to license.

⁶ Terms and Conditions apply. Offer value is composed of multiple products, valid from May 16, 2022 to November 30, 2023.

⁷ Terms and conditions apply. All rates are subject to change without notice.

⁸ “Offer” refers to the “Additional Bonus”.

Eligibility: Offer only applies to approved HSBC Cash Rewards Mastercard accounts for applications received between March 1, 2023 and August 31, 2023. Only one new account per customer is eligible for the Offer.

The following applicants are not eligible for the Offer:

• Applicants who have held an HSBC Cash Rewards Mastercard account in the 12 months before submitting the application

• Applicants switching from an existing HSBC credit card

Offers may be changed, withdrawn or extended at any time without notice and cannot be combined with any other HSBC credit card offers, except the offers stating that they can be combined with other HSBC credit card offers. The HSBC Cash Rewards Program Terms and Conditions apply. Account opening is subject to our standard credit review and approval.

Additional Bonus: If you’re not a resident of Quebec, you can receive an additional 12.5% cash back on all eligible Net Purchases up to $1,000 within 180 days of opening your account. “Net Purchases” means the total amount of your eligible purchases minus the total amount of returns you make (or similar credits applied to your account). The standard earn rates of 1.5% cash back on eligible online purchases, 1% cash back on eligible gas, grocery and drugstore purchases, and 0.5% cash back on other eligible purchases apply in addition to the 12.5% cash back earned under this offer. If you are a resident of Quebec, you can receive $125 cash back if you keep your account open, active and in good standing for 180 days from your account opening. The additional cash back are in addition to the cash back earned on the eligible purchases at the earn rate listed in the HSBC Cash Rewards Program Terms and Conditions. The additional cash back will be awarded approximately 180 days after account opening and credited in accordance with the HSBC Cash Rewards Program Terms and Conditions. The additional cash back will appear in your HSBC Rewards Account within two statement periods of the day they are awarded. Your account must be open and in good standing on the day the additional cash back is credited.

⁹ Terms and conditions apply. Offer expires June 30, 2023. All applications, rates and credit amounts are subject to approved credit. The Prime Rate as of April 3, 2023 and is subject to change. Some credit applications may not qualify for these low interest offers but may still qualify for a credit offer.

¹⁰Available on online equity and ETF trades on North American markets.

¹¹ For Cosmopolitan The Daily award information, visit site: https://cosmopolitantdaily.com/awards/award-winners-2022/

¹²  Terms and conditions apply.  

^®/TM Mastercard is a registered trademark, and the circles design and tap & go are trademarks of Mastercard International Incorporated. Used pursuant to license.

¹³Terms and conditions apply. Offer ends September 28, 2023. For full details about the offer refer to the terms and conditions.