MasterCard, MasterCards, Credit Card Details | HSBC Canada

Flexible services, benefits and rewards

Effective February 10, 2019, the Low Rate Program and the Optional Rewards program for the HSBC Mastercard and HSBC Gold Mastercard will no longer be available for new enrollments.

Options that are important to you

The HSBC Mastercard provides you with a variety of benefits

Choose your rewards

With an HSBC Mastercard, you can choose one of two valuable HSBC Rewards Programs. Earn rewards for travel and merchandise with the HSBC Personal Rewards Program, or choose the HSBC Cash Back Rewards Program and earn a cash back rebate that is automatically issued as a credit to your HSBC Mastercard account in January each year (as long as your HSBC Mastercard Account is in good standing).

  • Earn 1 Rewards Point for every $1 of eligible purchases1 made with your HSBC Mastercard when you enroll in the HSBC Personal Rewards Program OR
  • Earn a 1% cash back rebate on eligible purchases3 made with your HSBC Mastercard when you enroll in the HSBC Cash Back Rewards Program
  • Sign up for your preferred rewards program at any time for an annual fee of $35/card issued on your account.

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Low rate option (not available in Quebec)

Reduce your annual interest rate to 12.9% on purchases and cash advances for a $25 annual fee. You will also enjoy an extended grace period on new purchases, from 21 to 23 days.

Save time with Tap and Go

The contactless feature makes your shopping even easier. It's quick and ideal at places where speed is essential, like fast food restaurants, grocery stores, movie theatres, and gas stations.

Optional Travel and Medical Insurance

Enroll in optional Travel and Medical Insurance2 and protect yourself against unexpected costs due to travel emergencies for unlimited trips of up to 17 days. Available for $69 annually (including applicable taxes).

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Earn Rewards Faster

Add authorized users to your HSBC Mastercard account and earn Rewards faster. If you enroll in the HSBC Rewards Program, you earn valuable rewards for eligible purchases made by all supplemental cardholders. The annual fee for the HSBC Rewards Program is $35 per card issued on your account.

Additional benefits with every HSBC credit card

Extended Warranty Insurance2

When you purchase an item on your card, you receive double the original manufacturer's warranty up to one additional year (great for new appliances!).

Secure account transactions

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

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

1Customers enrolled in the HSBC Personal Rewards Program earn Rewards Points for most purchases charged to your HSBC Mastercard account, less credits for returns, refunds and adjustments. No Rewards Points are earned on quasi-cash transactions, cash advances (which includes balance transfers), optional services, interest charges or fees. Terms, conditions and eligible purchases may change without notice. Refer to the HSBC Personal Rewards Program Terms & Conditions for details.

2Insurance 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.

3Customers enrolled in the HSBC Cash Back Rewards Program earn rebate for most purchases charged to your HSBC Mastercard account, less credits for returns, refunds and adjustments. No rebate is earned on quasi-cash transaction, cash advances (which includes balance transfers), optional services, interest charges or fees. Terms, conditions and eligible purchases may change without notice. Refer to the HSBC Cash Back Rewards Program Terms and Conditions for details.

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