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Get up to $1,175‡‡ when you invest with us

Take your investment journey to new heights. Offer ends December 17, 2021.

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Earn higher interest with an HSBC Canadian Dollar GIC.

Coverage for Newcomers to Canada not yet covered under the Government Health Insurance Plan.

View our personal accounts, Mortgages and Loan rates.

 

Earn up to 1.15% total bonus interest rate on New Deposits to your HSBC Small Business High Rate Savings Account

 

Earn up to 100,000 Points5a,5b,5d,5e PLUS a full annual fee rebate for the Primary Cardholder for the first year5c. Must apply by January 31, 2022. Conditions Apply.

 

Our Newcomers Program helps you on your Canadian journey with access to special offers6 valued up to $1,500.

 

Do more for your business with a special introductory variable rate term loan as low as 1.99% (Prime minus 0.46%)7 for the first 2 years8.

 

0.99% APR 5 year variable closed term high ratio mortgage1

 

or 1.32% APR* 5 year variable closed term mortgage switch or purchase rate2

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Shop with ease this holiday knowing how to protect yourself from online fraud.

 

Happy holidays and stay safe.

Security Guarantee

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We work with you to protect your account information. Under our Security Guarantee, we will fully reimburse you for unauthorized transactions conducted in your personal accounts through HSBC Online Banking or HSBC Canada Mobile Banking if you have met your security responsibilities.

For the most secure customer experience, always log on with your HSBC Security Device when banking online with HSBC.

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.

®/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.

Terms and conditions apply. 

** Terms and Conditions apply. Offer value is composed of multiple products. Valid until December 31, 2021 for new HSBC customers only.

 Terms and conditions apply. Offer ends December 17, 2021.

 Rates are subject to change without notice and are applicable to First Mortgages only. Offer may change or be withdrawn at any time without notice. The annual percentage rate (APR) is based on a $200,000 mortgage for the applicable term with the appraisal fee of $300 waived. APR includes all interest and some non-interest charges associated with the mortgage. If there are no non-interest charges, the annual interest rate and APR will be the same.

‡‡ Issued by HSBC Investment Funds (Canada) Inc. (“HIFC”). The maximum Bonus Amount available to you for participating in the Bonus Offer is $1,175 per Qualifying Account. The Goal Planning Bonus is available to HSBC Premier clients only and is redeemable exclusively in-branch through an HSBC Premier Relationship Manager. Your eligibility for this Bonus Offer, including the payment of the Bonus Amount, is subject to the 2021 Autumn Investment Bonus Offer Terms and Conditions. Please read the Terms and Conditions carefully and visit your branch or call Telefund at 1-800-830-8888 for complete details. All amounts indicated are in Canadian dollars. Offer expires December 17, 2021.

‡‡‡ Terms and conditions apply. Offer ends November 30, 2021.

1 A High Ratio Mortgage is a personal mortgage with a down payment of less than 20% of the purchase price. Applications are subject to credit approval. The variable rate is equal to HSBC Prime Rate -1.46%. The rate will change as HSBC's Prime Rate changes.  Rate is only available for high ratio residential mortgages, a higher interest rate may apply for non-owner-occupied properties, amortizations greater than 25 years, and exceptions to HSBC's standard lending guidelines. HSBC High Ratio Mortgage Rate Terms and Conditions

2 When you transfer a personal mortgage loan to HSBC or when you purchase a property and obtain a personal mortgage loan with HSBC. Applications are subject to credit approval. The variable rate is equal to HSBC Prime Rate - 1.13%. The rate will change as HSBC’s Prime Rate changes. Rate is only available for residential mortgages, a higher interest rate may apply for non-owner-occupied properties, amortizations greater than 25 years, and exceptions to HSBC’s standard lending guidelines. HSBC Mortgage Switch Rate Terms and Conditions ,HSBC Mortgage Cash Back Offer Terms and Conditions

3 Terms and conditions apply. Offer ends December 17, 2021.

4a Applicable to all HSBC +Rewards Mastercard offers.  These offers are available to successful applicants who have not, in the 12 months prior to submitting the application, held an HSBC +Rewards Mastercard credit card account.  Only one new account per customer is eligible for these offers. All bonuses referred to in this document may be changed, withdrawn or extended at any time and cannot be combined with any other offer, except the offers described here and offers that state that they can be combined with an HSBC credit card welcome bonus offer. The HSBC +Rewards Mastercard Rewards Program Terms and Conditions apply. Account opening is subject to our standard credit review and approval and additional conditions listed for the specific offers below.

If you are not a resident of Quebec, you can receive 30,000 Points if you make eligible Net Purchases in the amount of $2,000 or more 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). If you are a resident of Quebec, you can receive 35,000 Points if you keep your new account open for 180 days from opening. This offer applies to approved HSBC +Rewards Mastercard accounts for which an application is received between October 4, 2021 and January 31, 2022 and is not available for other types of HSBC credit cards. The Points under this offer are in addition to the Points earned on the eligible purchases at the earn rate listed in the HSBC Plus Rewards Program Terms and Conditions. The additional Points will be awarded on the day which is 180 days after the account opening, will be credited in accordance with the Terms and Conditions of the HSBC Plus Rewards Program and 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.

4b This offer is only available to residents of Canada other than the province of Quebec. This offer applies to approved new HSBC +Rewards Mastercard accounts for which an application is received between October 4, 2021 and January 31, 2022. We will issue a one-time rebate equal to the annual fee charged to your HSBC +Rewards Mastercard account for the Primary Cardholder in the first year. 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 +Rewards Mastercard account must be open and in good standing at the time the rebate is applied. For clarity, the rebate will only apply for the first year in which you have the HSBC +Rewards Mastercard.

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

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

5a Applicable to all HSBC World Elite Mastercard & HSBC Premier World Elite Mastercard offers.  These offers are available to successful applicants who have not, in the 12 months prior to submitting the application, held an HSBC World Elite Mastercard, HSBC Premier World Elite Mastercard or HSBC Jade World Elite Mastercard credit card account.  Only one new or upgraded account per customer is eligible for these offers. All bonuses referred to in this document may be changed, withdrawn or extended at any time and cannot be combined with any other offer, except the offers described here and offers that state that they can be combined with an HSBC credit card welcome bonus offer. The HSBC World Elite or HSBC Premier World Elite Rewards Program Terms and Conditions apply. Account opening is subject to our standard credit review and approval meeting our standard account opening requirements, meeting the following income/asset eligibility requirement: (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) and additional conditions listed for the specific offers below.

The Welcome Bonus is 20,000 Points for the HSBC World Elite Mastercard or HSBC Premier World Elite Mastercard. The Welcome Bonus will be awarded only if your application for a new or upgraded HSBC World Elite Mastercard or HSBC Premier World Elite Mastercard is approved.  The Welcome Bonus is earned when you make the first purchase on your account following account opening or upgrade. The Welcome Bonus will be credited in accordance with the Terms and Conditions of the HSBC World Elite Rewards Program or the HSBC Premier World Elite Rewards Program, as applicable. Limit of one Welcome Bonus per new or upgraded HSBC World Elite Mastercard or HSBC Premier World Elite Mastercard account.

5b If you are not a resident of Quebec, you can receive the additional 50,000 Points if you make eligible Net Purchases in the amount of $6,000 or more within 180 days of opening or upgrading 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). If you are a resident of Quebec, you can receive the additional 80,000 Points if you keep your account open and in good standing for 180 days from your account opening or upgrade. This offer applies to approved HSBC World Elite Mastercard accounts for which an application is received between October 4, 2021 and January 31, 2022 and is not available for other types of HSBC credit cards. 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 or upgrade, will be credited in accordance with the Terms and Conditions of the HSBC World Elite Rewards Program and 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.

5c This offer is only available to residents of Canada other than the province of Quebec. This offer applies to approved new and upgraded HSBC World Elite Mastercard accounts for which an application is received between October 4, 2021 and January 31, 2022. We will issue a one-time rebate equal to the annual fee charged to your HSBC World Elite Mastercard account for the Primary Cardholder in the first year. 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 or upgrade. Your HSBC World Elite Mastercard account must be open and in good standing at the time the rebate is applied. This offer is not transferable and cannot be combined with any other offer, except the offers described here and offers that state that they can be combined with other HSBC credit card offers. For clarity, the rebate will only apply for the first year in which you have the applicable HSBC World Elite Mastercard.

5d To receive the one-time additional 10,000 Points for adding your 1st Authorized User Card, you must have applied for your HSBC World Elite Mastercard or HSBC Premier World Elite Mastercard account between October 4, 2021 and January 31, 2022 and you must add your first Additional Cardholder to your HSBC World Elite Mastercard or HSBC Premier World Elite Mastercard account by March 28, 2022. The additional Points will be awarded approximately 60 days after March 28, 2022 and will be credited in accordance with the Terms and Conditions of the HSBC World Elite Rewards Program or HSBC Premier World Elite Rewards Program and will appear in your HSBC Rewards Account within two statement periods of the day they are awarded. No additional Points will be awarded for any subsequent Authorized User cards added to the Account. Only one 10,000 1st Authorized User Bonus per account. The Primary Cardholder is responsible for all charges to the account, including those made by any Authorized User. Your account must be open and in good standing on the day the additional Points are credited.

5e To receive the one-time 20,000 Anniversary Bonus Points you must have applied for your HSBC World Elite Mastercard or HSBC Premier World Elite Mastercard account between October 4, 2021 and January 31, 2022. Only one 20,000 Anniversary Point Bonus per account. You must keep your Account open, active and in good standing for twelve consecutive months from the account opening date ("Anniversary Date"). The Anniversary Bonus Points will be awarded to your account the month following your 1st Anniversary Date and will appear in your HSBC Rewards Account within two statement periods of the day they are awarded. Your HSBC World Elite Mastercard account must be in good standing at the time Anniversary Bonus Points are awarded. No additional Points will be awarded for any subsequent Anniversary Dates. Only one 20,000 Anniversary Bonus Point offer per account.

®/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 until December 31, 2021 for new HSBC customers only.

7 Terms and conditions apply. Offer expires December 31, 2021. Some credit applications may not qualify for these low interest offers but may still qualify for a credit offer.  Following the initial introductory low variable rate for the first two years, standard variable rates will apply for longer term loans to a maximum of 5 years. 

8 All applications, rates and credit amounts are subject to approved credit.

9 Terms and conditions apply. Read full details. Open a new HSBC InvestDirect account by December 31, 2021 to get 60 days of commission-free North American online equity and ETF trading* (up to a maximum of 60 trades). HSBC InvestDirect is a division of HSBC Securities (Canada) Inc.

10a Applicable to all HSBC World Elite Mastercard & HSBC Premier World Elite Mastercard offers.  These offers are available to successful applicants who have not, in the 12 months prior to submitting the application, held an HSBC World Elite Mastercard, HSBC Premier World Elite Mastercard or HSBC Jade World Elite Mastercard credit card account.  Only one new or upgraded account per customer is eligible for these offers. All bonuses referred to in this document may be changed, withdrawn or extended at any time and cannot be combined with any other offer, except the offers described here and offers that state that they can be combined with an HSBC credit card welcome bonus offer. The HSBC World Elite or HSBC Premier World Elite Rewards Program Terms and Conditions apply. Account opening is subject to our standard credit review and approval meeting our standard account opening requirements, meeting the following income/asset eligibility requirement: (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) and additional conditions listed for the specific offers below.

The Welcome Bonus is 20,000 Points for the HSBC World Elite Mastercard or HSBC Premier World Elite Mastercard. The Welcome Bonus will be awarded only if your application for a new or upgraded HSBC World Elite Mastercard or HSBC Premier World Elite Mastercard is approved.  The Welcome Bonus is earned when you make the first purchase on your account following account opening or upgrade. The Welcome Bonus will be credited in accordance with the Terms and Conditions of the HSBC World Elite Rewards Program or the HSBC Premier World Elite Rewards Program, as applicable. Limit of one Welcome Bonus per new or upgraded HSBC World Elite Mastercard or HSBC Premier World Elite Mastercard account.

10b If you are not a resident of Quebec, you can receive the additional 50,000 Points if you make eligible Net Purchases in the amount of $6,000 or more within 180 days of opening or upgrading 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). If you are a resident of Quebec, you can receive the additional 70,000 Points if you keep your account open and in good standing for 180 days from your account opening or upgrade. This offer applies to approved HSBC Premier World Elite Mastercard accounts for which an application is received between October 4, 2021 and January 31, 2022and is not available for other types of HSBC credit cards. The additional Points are in addition to the Points earned on the eligible purchases at the earn rate listed in the HSBC Premier World Elite Rewards Program Terms and Conditions. The additional Points will be awarded approximately 180 days after account opening or upgrade, will be credited in accordance with the Terms and Conditions of the HSBC Premier World Elite Rewards Program and 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. 

10c This offer is only available to residents of Canada other than the province of Quebec. This offer applies to approved new and upgraded HSBC Premier World Elite Mastercard accounts for which an application is received between October 4, 2021 and January 31, 2022. We will issue a one-time rebate equal to the annual fee charged to your HSBC Premier World Elite Mastercard account for the Primary Cardholder in the first year less any other rebate of the annual fee you receive. This rebate will appear as a credit against the annual fee within two statement periods of account opening or upgrade. Your HSBC Premier World Elite Mastercard account must be open and in good standing at the time the rebate is applied.  For clarity, the rebate will only apply for the first year in which you have the applicable HSBC Premier World Elite Mastercard.

10d To receive the one-time additional 10,000 Points for adding your 1st Authorized User Card, you must have applied for your HSBC World Elite Mastercard or HSBC Premier World Elite Mastercard account between October 4, 2021 and January 31, 2022 and you must add your first Additional Cardholder to your HSBC World Elite Mastercard or HSBC Premier World Elite Mastercard account by March 28, 2022. The additional Points will be awarded approximately 60 days after March 28, 2022 and will be credited in accordance with the Terms and Conditions of the HSBC World Elite Rewards Program or HSBC Premier World Elite Rewards Program and will appear in your HSBC Rewards Account within two statement periods of the day they are awarded. No additional Points will be awarded for any subsequent Authorized User cards added to the Account. Only one 10,000 1st Authorized User Bonus per account. The Primary Cardholder is responsible for all charges to the account, including those made by any Authorized User. Your account must be open and in good standing on the day the additional Points are credited. 

10e To receive the one-time 20,000 Anniversary Bonus Points you must have applied for your HSBC World Elite Mastercard or HSBC Premier World Elite Mastercard account between October 4, 2021 and January 31, 2022. Only one 20,000 Anniversary Point Bonus per account. You must keep your Account open, active and in good standing for twelve consecutive months from the account opening date ("Anniversary Date"). The Anniversary Bonus Points will be awarded to your account the month following your 1st Anniversary Date and will appear in your HSBC Rewards Account within two statement periods of the day they are awarded. Your HSBC World Elite Mastercard account must be in good standing at the time Anniversary Bonus Points are awarded. No additional Points will be awarded for any subsequent Anniversary Dates. Only one 20,000 Anniversary Bonus Point offer per account.

®/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.

11a These offers are available to successful applicants who have not, in the 12 months prior to submitting the application, held an HSBC Premier Mastercard account.  Only one new account per customer is eligible for these offers.  The account opening is subject to our standard credit review and approval and additional conditions listed for the specific offers below.

The Welcome Bonus is 5,000 Points with the HSBC Premier Rewards Program or a $50 Cash Back rebate with the HSBC Premier Cash Back Rewards Program. The Welcome Bonus will be awarded only if your application for a new HSBC Premier Mastercard is approved. The Welcome Bonus is earned when you make the first purchase on your account following account opening. The Welcome Bonus will be credited in accordance with the Terms and Conditions of the HSBC Premier Rewards Program. Limit of one Welcome Bonus per new HSBC Premier Mastercard account. The Welcome Bonus may be changed or withdrawn at any time and cannot be combined with any other offer, except the offers described here. The HSBC Premier Rewards Program Terms and Conditions apply.

11b You can receive an additional 5,000 Points if you choose the HSBC Premier Rewards Program or an additional $50 Cash Back if you choose HSBC Premier Cash Back Rewards Program; and you must keep your new account open and in good standing for 180 days from your account opening. This offer applies to newly approved HSBC Premier Mastercard accounts for which an application is received between October 4, 2021 and December 1, 2021 and is not available for other types of HSBC credit cards. The Points or Cash Back dollars under this offer are in addition to the Points or Cash Back dollars earned on the eligible purchases at the earn rate listed in the HSBC Premier Program Terms and Conditions. The additional Points or Cash Back dollars will be awarded approximately 180 days after the account opening and will be credited in accordance with the Terms and Conditions of the HSBC Premier Program and will appear in your HSBC Rewards or Cashback 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 or Cash back dollars are credited.  This offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer, except the offers described here and offers that state that they can be combined with other HSBC credit card offers. The HSBC Premier Program 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.

12a These offers are available to successful applicants who have not, in the 12 months prior to submitting the application, held an HSBC Advance Mastercard account.  Only one new account per customer is eligible for these offers.  The account opening is subject to our standard credit review and approval and additional conditions listed for the specific offers below.

The Welcome Bonus is 5,000 Points with the HSBC Advance Rewards Program or a $50 Cash Back rebate with the HSBC Advance Cash Back Rewards Program. The Welcome Bonus will be awarded only if your application for a new HSBC Advance Mastercard is approved. The Welcome Bonus is earned when you make the first purchase on your account following account opening. The Welcome Bonus will be credited in accordance with the Terms and Conditions of the HSBC Advance Rewards Program. Limit of one Welcome Bonus per new HSBC Advance Mastercard account. The Welcome Bonus may be changed or withdrawn at any time and cannot be combined with any other offer, except the offers described here. The HSBC Advance Rewards Program Terms and Conditions apply.

12b You can receive an additional 5,000 Points if you choose the HSBC Advance Rewards Program or an additional $50 Cash Back if you choose HSBC Advance Cash Back Rewards Program; and you must keep your new account open and in good standing for 180 days from your account opening. This offer applies to new approved HSBC Advance Mastercard accounts for which an application is received between October 4, 2021 and December 1, 2021 and is not available for other types of HSBC credit cards. The Points or Cash Back dollars under this offer are in addition to the Points or Cash Back dollars earned on the eligible purchases at the earn rate listed in the HSBC Advance Program Terms and Conditions. The additional Points or Cash Back dollars will be awarded approximately 180 days after the account opening and will be credited in accordance with the Terms and Conditions of the HSBC Advance Program and will appear in your HSBC Rewards or Cashback 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 or Cash Back dollars are credited.  This offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer, except the offers described here and offers that state that they can be combined with other HSBC credit card offers. The HSBC Advance Program 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.

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