Advance MasterCard Canada | Details | HSBC Canada

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Unlimited rewards

Choose between two valuable HSBC Rewards Programs:

HSBC Advance Rewards Program

  • Collect Points that can be redeemed for travel, financial rewards, premium merchandise and gift cards
  • Earn 1 Point2 for every $1 on all eligible purchases1 when you charge up to $10,000 in annual spend to your Card
  • Earn 1.25 Points for every $1 on all eligible purchases when you charge over $10,000 in annual spend to your Card, with no cap on the Points you can earn.

HSBC Advance Cash Back Rewards Program

  • Earn a 1% Cash Back rebate2 for every $1 on all eligible purchases1 when you charge up to $10,000 in annual spend to your HSBC Advance Mastercard card
  • Earn a 1.25% Cash Back rebate for every $1 on all eligible purchases when you charge over $10,000 in annual spend to your Card with no limit on the Cash Back rebate you can earn.
  • Your Cash Back rebate will be applied as a credit to your HSBC Advance Mastercard account statement in January each year as long as your HSBC Advance Mastercard account is in good standing.

When you apply for an HSBC Advance Mastercard card, you choose the rewards program you prefer for no additional fee!

View the Rates and Fees Information Box for details.

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Earn rewards faster

Add authorized users to your account for no additional fee and earn more rewards.

View the Rates and Fees Information Box for details.

Protection while you travel

  • Car rental insurance3 – When you pay for your rental car with your HSBC Advance Mastercard card, you are covered during a trip in the rental vehicle for Car Rental Collision Damage Waiver Insurance, which covers you against damage or theft of the rental vehicle; Personal Effects Insurance, which covers you for loss, damage or theft to eligible personal effects during a trip; and Car Rental Accidental Death and Dismemberment Insurance, up to $300,000 per account
  • Trip Insurance3 – Make all your travel arrangements on your HSBC Advance Mastercard to receive Common Carrier Accidental Death and Dismemberment Insurance, up to $500,000 per insured person, and Unexpected Return Home Insurance, up to $2,000 per insured person.

Optional Travel and Medical Insurance3

Protect yourself against unexpected costs due to travel emergencies for unlimited trips of up to 17 days per trip. Available for $69 annually (including applicable taxes)

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Additional benefits with every HSBC Advance Mastercard card


Purchase Assurance and Extended Warranty Insurance3

When you purchase an item on your card, you get coverage for loss, theft or damage for 90 days from the purchase date. Your HSBC Advance Mastercard card also doubles the original manufacturer’s warranty up to one additional year

Save time with Tap and GoTM

Simply tap your card on the contactless payment reader at the checkout and your purchase will be completed at participating retail locations.

Secure account transaction

Chip & PIN technology helps reduce the possibility of your HSBC Advance Mastercard card being used by someone else

Important Information about the HSBC Advance Mastercard card:

To apply for an HSBC Advance Mastercard card, you must be an HSBC Advance customer. For full details regarding eligibility for HSBC Advance and any fees which may apply, please refer to the Personal Service Charges / Statement of Disclosure available at any HSBC Bank Canada branch.

If you are not an HSBC Advance customer or prefer a different card, you may be eligible to apply for the standard HSBC Mastercard card (which has different rates, fees and benefits). Speak to an HSBC representative for more information about the HSBC Mastercard card that is right for you.

®/TMMastercard is a registered trademark and tap & go is a trademark of Mastercard International Incorporated. Used pursuant to license.

1Eligible purchases means the amount of purchases of goods and services that are charged to your HSBC Mastercard Account except for quasi-cash transactions (which include purchases of wire transfers, travelers cheques, foreign currency, money orders, payment of an existing debt, 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.

2Points or Cash Back rebate means each earn rate for Points or Cash Back rebate applicable to a Card that participates in the HSBC Rewards Program, including: i) for Annual Spend of up to and including $10,000, the base earn rate of 1 Point / 1% rebate for every $1.00 in eligible purchases, ii) for Annual Spend above $10,000, the accelerated earn rate of 1.25 Points / 1.25% rebate for every $1.00 in eligible purchases, iii) any special bonus Points or rebate offer that we may offer and for which you are qualified.

3Insurance Coverage is underwritten by American Bankers Life Assurance Company of Florida (ABLAC) and American Bankers Insurance Company of Florida (ABIC). ABLAC, ABIC, its subsidiaries, and affiliates carry on business in Canada under the name of Assurant Solutions®. ® Assurant Solutions is a registered trademark of Assurant, Inc. Details of coverage, including definitions, benefits, limitations, and exclusions, are in the Certificate of Insurance provided with your HSBC Mastercard card.

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