HSBC World Elite Mastercard

Apply by December 31st, 2018 and receive up to 75,000 Points:

  • 20,000 Welcome Bonus2
  • Earn additional points when you charge the following amounts to your card within 120 days of account opening :
    When you charge : You will earn an additional :
    $1,000 to $4,999 + 5,000 Points3
    $5,000 to $9,999 + 25,000 Points3
    $10,000 or more + 25,000 Points3

Plus, we'll waive the first-year annual fee for the primary cardholder4 (offer excludes Quebec residents)

Apply by December 31st, 2018 and receive up to 105,000 Points:

  • 20,000 Welcome Bonus2
  • 85,000 Points when you keep your account open and in good standing for 120 days from account open date5
  • No foreign transaction fees6
    Save on all your foreign currency purchases (even online) with no additional foreign currency conversion charges. Only the exchange rate will apply.
  • Enhanced rewards program
    Earn 3%7 in travel rewards on all eligible travel purchases8 (6 Points per $1) and 1.5% in travel rewards on all other eligible purchases9 (3 Points per $1).
  • 31-day insurance10 coverage
    Worldwide Emergency Travel Medical insurance10. Enjoy longer trips with greater peace of mind (This coverage is only available if the primary cardholder is under age 65. Please note that travel in Cuba is not covered.)
  • $100 annual travel enhancement credit
    Redeemable towards select airline seat upgrades, airline baggage fees and airport lounge passes.
  • Exciting travel benefits11
    • Receive a complimentary membership to Mastercard Airport Experiences Provided by LoungeKey
    • Unlimited Wi-Fi through Boingo at over 1 million hotspots worldwide12
    • 10% discount on select hotel bookings on your card with Expedia and Agoda
  • 24 hour worldwide13 assistance
    With an Emergency Cash Transfer to a maximum of $5,000 if your card is lost or stolen.
  • Authorized User Annual Fee: $50 per Card14
  • Annual Fee: $149
    Waived for the first year4
  • Annual Interest Rate: 19.9% on Purchases | 22.9% on Cash Advances and Balance Transfers

To apply for an HSBC World Elite Mastercard, you must:

  • Have a minimum annual gross personal income of $80,000 or a minimum annual gross household income of $150,000; or $400,000 in assets at any Canadian Financial Institution
  • Be a permanent Canadian resident and have reached the age of majority in your province/territory

The HSBC World Elite Mastercard is subject to credit approval.

Check full eligibility details

Apply online

The HSBC World Elite Mastercard is subject to credit approval.

Rates and Fees Information Box

1The offers for HSBC World Elite Mastercard 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 Elite World Mastercard and who, at the time of the application, either (a) do not hold any credit card account with HSBC Bank Canada or (b) hold an HSBC Gold Mastercard, HSBC Advance Mastercard or HSBC Mastercard that they wish to upgrade to an HSBC World Elite Mastercard. HSBC Premier* customers are not eligible for these offers. Only one new or upgraded account per customer is eligible for these offers. The 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.

2The Welcome Bonus is 20,000 Points for the HSBC World Elite Rewards Program. The Welcome Bonus will be awarded only if your application for a new or upgraded HSBC World Elite Mastercard is approved. The Welcome Bonus is earned when you make the first transaction 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. Limit of one Welcome Bonus per new HSBC World Elite Mastercard account. The Welcome Bonus offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer, except the offers described here. The HSBC World Elite Rewards Program Terms and Conditions apply.

3This 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 15th and December 31st, 2018. The number of incremental Points awarded under this offer depends on the aggregate amount of eligible purchases you make within 120 days of opening or upgrading your account: for eligible purchases in the aggregate amount of at least $1,000 and up to but not including $5,000 , you will receive 5,000 Points; for eligible purchases in the aggregate amount of at least $5,000 and up to but not including $10,000, you will receive 30,000 Points and for eligible purchases in the aggregate amount of $10,000 or more you will receive 55,000 Points. Only one of the above awards may apply to an account. The incremental 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 incremental points will be awarded on the day which is 120 days after the account opening or upgrade based on the aggregate amount of eligible purchases as of that day, 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 incremental Points 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. The HSBC World Elite Rewards Program Terms and Conditions apply.

4This 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 15th and December 31st, 2018. 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. This offer is only valid for the first year.

5This offer is only available to residents of Quebec and applies to approved new and upgraded HSBC World Elite Mastercard accounts for which an application is received between October 15th and December 31st, 2018. To receive the incremental 85,000 Points, you must keep your Account open and in good standing for 120 days from your account opening or upgrade date. These 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 incremental points will be awarded on the day which is 120 days after the 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 incremental Points 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. The HSBC World Elite Rewards Program Terms and Conditions apply.

6The term "foreign transaction fees" is a substitute for Foreign Currency Conversion charges

7Earn 6 Points on every $1 of eligible travel purchases, up to a maximum of $50,000 in eligible travel purchases charged to your HSBC World Elite Mastercard in a calendar year. After reaching $50,000 in eligible travel purchases, you will earn 3 Points on every $1 of eligible travel purchases. Refer to the HSBC World Elite Rewards Program Terms and Conditions for complete details. Points earned on eligible travel purchases can be redeemed for rewards valued at up to 3% of the amount spent to earn them, and Points earned on all other eligible purchases can be redeemed for rewards valued at up to 1.5% of the amount spent to earn them. For example, $5,000 in eligible travel purchases earns you 30,000 Points, which can be redeemed for travel rewards valued at $150. Other rewards that require 30,000 Points for redemption may be valued at less than $150. Redemption offers may change from time to time.

8Eligible travel purchases mean purchases made from merchants that are classified in the Mastercard network as airlines, car rental agencies, hotels, cruise lines, passenger railways, tour operators, timeshares and travel agencies. Some merchants may sell travel services but are classified in another manner, therefore, purchases from such merchants are not considered to be eligible travel purchases.

9Eligible purchases means purchases of goods and services that are charged to your Account, except for quasi-cash transactions (which include purchases of wire transfers, travelers cheques, foreign currency, money orders, payments of existing debts, 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. See the HSBC World Elite Mastercard Cardholder Manual for further details.

10Insurance coverage is underwritten by American Bankers Life Assurance Company of Florida (ABLAC) and/or American Bankers Insurance Company of Florida (ABIC). ABLAC, ABIC, their subsidiaries and affiliates, carry on business in Canada under the name Assurant®. ®Assurant is a registered trademark of Assurant, Inc. Details of coverage, including definitions, benefits, limitations, and exclusions, are in the Certificate of Insurance provided in your Cardholder Manual.

11Learn more about these new benefits, and their restrictions, conditions and availability here.

12The service is limited to up to four devices.

13Travel Assistance Services may not be available in countries of political unrest and such countries may from time to time be determined to be unsafe and/or inaccessible.

14You may have up to four Authorized Users on your Account. If you add an Authorized User after your card is first issued, a pro-rated supplementary card fee will be charged on the first statement date after the supplementary card is issued (regardless of activation). The amount of the fee will be pro-rated for the number of months remaining between the day the fee is charged and the next anniversary of your Account. After that, as long as the card remains issued, $50 supplementary card fee will be charged for that card annually on the Anniversary of your Account.

® / ™Mastercard and World Elite are registered trademarks and the circles design is a trademarks of Mastercard International Incorporated. Used pursuant to license.

Issued by HSBC Bank Canada

To apply for an HSBC World Elite Mastercard, you must:

  • Have a minimum annual gross personal income of $80,000 or a minimum annual gross household income of $150,000; or $400,000 in assets at any Canadian Financial Institution
  • Be a permanent Canadian resident and have reached the age of majority in your province/territory

The HSBC World Elite Mastercard is subject to credit approval.

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