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An update for our valued customers

from Linda Seymour, President and CEO of HSBC Bank Canada

A fresh, jargon-free approach to managing money, to help you prepare for a healthier future.

Applying for an account online just got easier.

Kick-start your investment journey with up to $1,12513 in bonuses.

Offer ends December 17, 2022. Terms apply.

View our personal accounts, Mortgages and Loan rates.

 

For a limited time, get up to $5,000 cash back on eligible mortgages.1 Apply by February 24, 2023.

 

Receive a bonus of up to $2,08814 with an HSBC InvestDirect account, and get access to global markets and currencies.

 

Get up to $1,650 in value6 as part of the HSBC Newcomers Program.

 

Do more for your business with special introductory rates below Prime for the first 2 years15.

 

Plus, unlock an additional $958 in cash back and savings. Terms and conditions apply.4

a welcome HSBC sign
 

Get up to $649  in total value5a,5b for the first year! Must apply by February 28, 2023. Conditions Apply.

Security Guarantee

online security guarantee sign

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.

Terms and conditions apply.

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

†† 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.

1 When you purchase a new property and are taking a new personal mortgage loan or move your existing Mortgage to HSBC with a three-year fixed or five-variable closed term or greater and you make mortgage payments from your HSBC chequing or savings account. The mortgage application must be started during the Offer Period and fully funded by HSBC within 120 days of the application start date and no later than April 30, 2023. HSBC Mortgage Cash Back Offer Terms and Conditions.

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

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

4Terms and conditions apply. Offer value is composed of multiple products, valid from May 16, 2022 to December 31, 2022.

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

Eligibility: Offers only apply to approved HSBC World Elite Mastercard accounts for applications received between November 1, 2022 and February 28, 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 Jade 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 40,000 points if you make eligible Net Purchases of $6,000 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 the additional 70,000 points if you keep your account open 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.

Anniversary Bonus: To receive the Anniversary Bonus of 20,000 points, you must keep your account open, active and in good standing for twelve consecutive months from the account opening date (the Anniversary Date). The Anniversary Bonus will be awarded to your account the month following your first Anniversary Date and will appear in your HSBC Rewards Account within two statement periods of the day they are awarded. Your account must be in good standing at the time Anniversary Bonus points are awarded. Only one Anniversary Bonus of 20,000 points per account and no additional points will be awarded for any subsequent Anniversary Dates.

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. 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 will be 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 must be redeemed within one year of the date it was made available or renewed. 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. Credit card offer expires February 28, 2023.

7 Terms and conditions apply. All rates are per annum as of November 4, 2022, and 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 November 1, 2022 and February 28, 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 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<URL: https://rewards.hsbc.ca/en/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.

13 This offer is issued by HSBC Investment Funds (Canada) Inc. (“HIFC”). The maximum Bonus Amount available to you for participating in the Bonus Offer is $1,125 per Qualifying Account. Bonus amounts may differ for transfers/investments into HSBC Wealth Compass Funds (maximum $585 per Qualifying Account). RRIF accounts are not available through HSBC Wealth Compass. The Goal Planning Bonus is available to HSBC Premier² clients only and is redeemable exclusively in-branch through an HSBC Premier Relationship Manager³. Your eligibility for this Bonus Offer, including the payment of the Bonus Amount, is subject to the 2022 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, 2022.

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

15Terms and conditions apply. Offer ends December 30, 2022. Some credit applications may not qualify for these low interest offers but may still qualify for a credit offer. All applications, rates and credit amounts are subject to approved credit.

®/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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