Choose a mortgage solution that fits your needs and budget

Use Points from your HSBC Advance Mastercard® card to pay down your HSBC mortgage‎

Fast access and control of your money whenever you need it

As an HSBC Advance1 customer, you can do your day-to-day banking any time of the day or night. Secure Internet and mobile banking keeps you in control of your money, wherever you are in the world. You’ll also enjoy a range of extra benefits such as unlimited day-to-day banking2, exclusive HSBC Advance Mastercard® rewards, and global banking capabilities such as access to funds in an emergency. Because if there’s a way we can help, we will.

Features & Benefits

  • Enjoy unlimited day-to-day banking and savings options

    Moving to Canada? Learn how we can help you make your move easier.

    How to Apply
    Learn More
  • The HSBC Advance Mastercard® card offers valuable rewards while helping you achieve your financial goals.

    Available exclusively to HSBC Advance customers, the HSBC Advance Mastercard card offers many financial benefits including:

    Choose the rewards program7 that works for you:

    HSBC Advance Rewards Program:

    • Earn 1 Point8 for every $1 in eligible purchases9 on your HSBC Advance Mastercard card when you spend up to $10,000 annually
    • Accelerated Rewards
      • Earn 1.25 Points for every dollar you spend on eligible purchases over $10,000 annually on your HSBC Advance Mastercard card

    Redeem your Points for a range of rewards, including10:

    • Travel you charge to your card - Enjoy the flexibility of redeeming your rewards for a credit towards eligible travel purchases when you book any trip, flight, hotel or vacation package with your HSBC Advance Mastercard, including taxes and fees. Receive $110 in statement credits for every 10,000 Rewards Points you redeem them towards eligible travel purchases11
    • Financial rewards12– Rewards that help you achieve your financial goals faster. Use your Rewards Points to pay down your personal HSBC Bank Canada residential mortgage, to make a contribution to your HSBC personal savings account, or towards a statement credit on your HSBC Advance Mastercard account
    • Gift cards and merchandise – Choose from a variety of gift cards or select from over 150 premium merchandise options

    Redeeming your Reward Points is simple, just visit rewards.hsbc.ca or call our redemption centre to redeem 1-866-688-HSBC (4722)

    HSBC Cash Back Rewards Program:

    • Earn 1% Cash Back rebate on eligible purchases made on your HSBC Advance Mastercard when you spend up to $10,000 annually
    • Accelerated Rewards
      • Earn 1.25% Cash Back rebate for every dollar you spend on eligible purchases over $10,000 annually on your HSBC Advance Mastercard card

    You can also take advantage of the additional benefits offered to all HSBC Advance Mastercard card holders.

    Learn more about HSBC Advance Mastercard
    How to Apply
  • HSBC's Line of Credit and Overdraft Protection are designed to help you manage your finances, and offer piece of mind for life’s unexpected moments

    HSBC Line of Credit

    • As an HSBC Advance customer you have access to an HSBC Line of Credit subject to credit approval with your chequing account at a preferred rate13
    • One-time approval - no need to requalify once approved
    • Take control of your funds to help cover costs for renovations, vehicles, vacations or to pay off higher cost debt
    • Only pay for what you use – no charges will be made if Line of Credit is not used

    Overdraft Protection

    • Overdraft Protection14 on your chequing account allows you to enjoy peace of mind and provides you with security knowing you have funds available for emergencies and unexpected expenses
    • Convenient and flexible – no fees are charged unless the overdraft is used
    Learn more about HSBC Line of Credit

    Or

    Call us toll-free at
    1-888-882-3329 (Hours of Operation: Mon-Fri 6am-6pm PST) or after hours at 1-888-310-4722

  • View and manage your international HSBC accounts online with HSBC’s Global View & Global Transfers

    • With Global View & Global Transfers you can view and manage your accounts across HSBC’s global network all with just one log-on
    • View and transfer funds electronically to your eligible HSBC accounts in real time, 24/7 to over 30 countries at competitive rates
    Learn More
1

HSBC Advance requires you to have an active HSBC Advance chequing account, and maintain combined personal deposits and investments with HSBC Bank Canada and its subsidiaries of $5,000 or hold personal HSBC Bank Canada residential mortgage with original amount of $150,000 or greater. Some exclusions apply. A monthly fee will be charged if you do not meet at least one of the conditions above. For full details regarding any fees which may apply please refer to the Personal Service Charges/Statement of Disclosure available at any HSBC Bank Canada branch or online at www.hsbc.ca.

®/TM

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Used pursuant to license.

2

Unlimited day-to-day banking includes cheques, withdrawals and deposits at HSBC Branches and ATMs in Canada, HSBC telephone and mobile banking (Canada), withdrawals at more than 2,500 ATMs on THE EXCHANGE® Network and Interac® debit purchases at retailers across Canada.

3

This deposit is not insured by the Canadian Deposit Insurance Corporation (CDIC). For more information about CDIC, click here

4

Subject to credit approval.

5

This deposit is not insured by the Canadian Deposit Insurance Corporation (CDIC). For more information about CDIC, click here

6

Income earned in a TFSA is not subject to Canadian taxes. Taxes of other countries may apply. Contributions to Tax-Free Savings Accounts (TFSAs) are limited annually. Generally, the maximum contribution room for a year is equal to the total of unused contribution room from the previous year, distributions made in the previous year and TSFA dollar limit for the year. The maximum annual contribution applies to all of your TFSAs held with HSBC Bank Canada or any other financial institution. Only Canadian residents, who are over 18 years of age and have a valid Social Insurance Number, can make contributions to a TFSA. The age of majority is 19 for residents of Newfoundland & Labrador, New Brunswick, Nova Scotia, British Columbia, Northwest Territories, Yukon and Nunavut, which may delay the opening of a TFSA. However, the accumulation of contribution room will start at age 18. Consult your tax advisor for full details about TFSAs and how they relate to your tax situation.

7

Rewards Terms and Conditions
The HSBC Advance Rewards Program is subject to the HSBC Advance Rewards Program terms and conditions.

8

Points means the earn rate for points applicable to a Card that participates in the HSBC Advance Rewards Program, including: i) for Annual Spend of up to and including $10,000, the base earn rate of one Point for every $1.00 in eligible purchases, ii) for Annual Spend above $10,000, the accelerated earn rate of 1.25 Points for every $1.00 in eligible purchases, and iii) any special bonus points offer that we may offer and for which you are qualified. Please refer to the HSBC Advance Rewards Program Terms & Conditions for complete details.

9

Eligible Purchases means the amount of purchases of goods and services that are charged to your HSBC Advance 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.

10

All rewards offered are subject to the current Terms and Conditions of the HSBC Advance Rewards Program. Some restrictions apply

11

An Eligible Travel Purchase means a purchase of airline tickets, vacation packages, car rentals, hotels, cruises, rail tickets and tours that is eligible for the Self-Booked Travel Rebate. Refer to the HSBC Advance Rewards Program Terms & Conditions for complete details.

12

Accounts eligible for redemption may change from time to time. Visit www.hsbc.ca/rewards for information regarding eligible Accounts, required number of Points and additional terms and conditions.

13

Rates are subject to change without notice. For information and to confirm our most recent rates, please contact us at 1.888.310.4722 . Some restrictions apply.

®/TM

Mastercard is a registered trademark and PayPass is a trademark of Mastercard International Incorporated. Used pursuant to license.

14

Subject to credit approval.

15

Global View and Global Transfers are not available in all countries and territories where HSBC Premier and HSBC Advance are offered. Certain services offered by members of HSBC in Canada may be restricted or unavailable if you move to another jurisdiction or are in another jurisdiction due to the local laws of that jurisdiction. HSBC Group may, however, be able to provide similar services through its members in that jurisdiction. A full list of available countries and a demo can be viewed online.

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