HSBC Travel Rewards Mastercard

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HSBC Travel Rewards Mastercard

Special offer: Get up to $125 in total value¹ for the first year! Must apply by May 31, 2023. Conditions apply.

Earn 25,000 points¹ ($125 travel value) if you spend $1,000 in the first 180 days.

Primary cardholder annual fee: $0
Annual interest on purchases: 20.99%
Annual interest on cash advances and balance transfers: 22.99% (21.99% for Quebec residents)
Supplementary card annual fee: $0 per card

Rates and Fees

How to apply

Get up to $125 in total value¹ for the first year! Must apply by May 31, 2023. Conditions apply.

Earn 25,000 points¹ ($125 travel value) if you keep your account open and active for 180 days.

About this card

Rewards and benefits

HSBC Travel Rewards Program

Earn 1.5%² in travel rewards on all eligible travel purchases² (3 points per $1), 1% in travel rewards on all eligible gas and daily transportation purchases³ (2 points per $1), and 0.5% in travel rewards on all other eligible everyday purchases⁴ (1 point per $1).

Additional benefits

Baggage Delay Insurance⁵

You are covered for up to $100 per day to a maximum of 3 days for the purchase of necessities if your checked baggage is delayed by the carrier for 6 hours or more from the arrival time at your scheduled trip destination.
Hotel / Motel Burglary Insurance⁵

Protects you from theft of most items of personal property from a hotel/motel room where there is evidence of forceful entry anywhere in the world.
Trip Interruption Insurance⁵

Provides coverage for transportation costs incurred to change your return date as a result of covered medical or non-medical cause, while on a trip.

Using your card

Security and convenience

With Apple Pay⁶, Tap & go™ and Zero Liability protection⁷ for unauthorized use of the card.
Secure account transactions

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

More benefits of HSBC Travel Rewards Mastercard

Collect points and reward yourself anytime;

1.5%² in travel rewards on all eligible travel purchases², such as car rentals, vacations, and hotel flights (3 points per $1)
1% in travel rewards on all eligible gas and daily transportation purchases³, such as subway, train, and taxi (2 points per $1)
0.5% in travel rewards on all other eligible everyday purchases⁴ (1 point per $1)

Redeem your points your way – the choice is yours

Redeem for travel

Enjoy the flexibility of booking your travel, car rentals, hotels, cruises, and rail tickets on your HSBC Travel Rewards Mastercard and redeem your points for a statement credit.

Gift cards and merchandise

Select from over 100 exciting gift card and merchandise options.

Financial rewards

Use your points to pay down your HSBC Bank Canada residential mortgage, add to your HSBC personal savings account, or reduce your HSBC Travel Rewards Mastercard account balance.

Visit rewards.hsbc.ca to learn how.

Collect points and reward yourself anytime;

1.5%² in travel rewards on all eligible travel purchases², such as car rentals, vacations, and hotel flights (3 points per $1)
1% in travel rewards on all eligible gas and daily transportation purchases³, such as subway, train, and taxi (2 points per $1)
0.5% in travel rewards on all other eligible everyday purchases⁴ (1 point per $1)

Redeem your points your way – the choice is yours

Redeem for travel

Enjoy the flexibility of booking your travel, car rentals, hotels, cruises, and rail tickets on your HSBC Travel Rewards Mastercard and redeem your points for a statement credit.

Gift cards and merchandise

Select from over 100 exciting gift card and merchandise options.

Financial rewards

Use your points to pay down your HSBC Bank Canada residential mortgage, add to your HSBC personal savings account, or reduce your HSBC Travel Rewards Mastercard account balance.

Visit rewards.hsbc.ca to learn how.

Baggage Delay Insurance⁵

Is your checked baggage delayed by the carrier? You are covered for up to $100 per day to a maximum of 3 days for the purchase of necessities if your checked baggage is delayed by the carrier for 6 hours or more en route to your trip destination, when you charge at least 75% of the common carrier’s fare to your HSBC Travel Rewards Mastercard.

Hotel/Motel Burglary Insurance⁵

Protects you from theft of most items of personal property from a hotel/motel room where there is evidence of forceful entry anywhere in the world. The maximum benefit payable to you is $1,000 per occurrence, in excess of other Insurance and/or payments made by the hotel/motel, when you charge at least 75% of the full room rate for the entire stay (prior to any redeemable travel or other points being applied) to your HSBC Travel Rewards Mastercard.

Trip Interruption Insurance⁵

Charge at least 75% of the cost of your trip to your HSBC Travel Rewards Mastercard and you are covered if you need to delay your return once you have left on a covered trip. In the event of a covered cause for Trip Interruption, you will be reimbursed up to a maximum of $1,500 per insured person to a maximum $5,000 per trip. This applies to the additional charges incurred for a ticketing change or the cost of a one-way economy fare by a common carrier to return home.

Extended Warranty Insurance⁵

Automatically doubles the original manufacturer’s warranty for up to one additional year when you use your HSBC Travel Rewards Mastercard to purchase eligible items.

Purchase Assurance⁵

90-day coverage in the event of loss, damage or theft for eligible items purchased using your HSBC Travel Rewards Mastercard.

Optional Travel and Medical Insurance⁵

For $69/year (including applicable taxes), get Emergency Travel Medical Insurance and coverage for Trip Cancellation, Trip Interruption and Baggage Delay or Loss.

Learn more

How to apply

To qualify for the HSBC Travel Rewards Mastercard, you must:

Be a Canadian resident.
Be the age of majority in your province of residence.

With HSBC EasyID your identity is verified instantly making it faster, easier and more convenient. Before you start, have one of the following pieces of ID ready (make sure the ID hasn’t expired):

Passport
Driver’s licence, or
Provincial government Issued ID

Apply online

Book an appointment

If you have any questions about our credit card products, chat with us or call us at 1-888-310-4722

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¹ "Offer" refers to the “Additional Bonus”.

Eligibility: Offer only applies to approved HSBC Travel Rewards Mastercard accounts for applications received between March 1, 2023 and May 31, 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 Travel Rewards Mastercard account in the 12 months before submitting the application

• Applicants switching from an existing HSBC credit card

The Offer 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 Travel 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 25,000 points if you make eligible Net Purchases in the amount of $1,000 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 25,000 points if you keep your account open, active 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 Travel Rewards Program Terms and Conditions. The additional points will be awarded approximately 180 days after account opening and credited in accordance with the HSBC Travel Rewards Program Terms and Conditions. The additional 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.

² Earn 3 points on every $1 of eligible travel purchases charged to your HSBC Travel Rewards Mastercard in a calendar year, up to a maximum of $6,000. After reaching $6,000 in eligible travel purchases, you will earn 1 point on every $1 of eligible travel purchases. Refer to the HSBC Travel Rewards Program Terms and Conditions for complete details.

Eligible travel purchase means a purchase of goods and services made on your account that are classified in the Mastercard Network as airlines, car rental agencies, hotels, cruise lines, passenger railways, tour operators, timeshares, cottages, campgrounds and travel agencies. Some merchants may sell travel services but are classified in another manner; purchases from these merchants are not treated as “Travel Purchases”. The eligible merchant categories for “Travel Purchases” may change without notice. Points earned on eligible travel purchases can be redeemed for rewards valued up to 1.5% of the amount spent to earn them. For example, $5,000 in eligible travel purchases earns you 15,000 points, which can be redeemed for travel rewards valued at $75. Other rewards that require 15,000 points for redemption may be valued at less than $75. Redemption offers may change from time to time.

³ Earn 2 points on every $1 of eligible gas and daily transportation purchases. Refer to the HSBC Travel Rewards Program Terms and Conditions for complete details.

Eligible gas and daily transportation purchases are eligible purchases made from merchants that are classified in the Mastercard Network as service stations, commuter passenger, ferries, limousines, taxicabs and bus lines. Some merchants may sell gas and transportation services but are classified in another manner; purchases from such merchants are not treated as “Gas and Daily Transportation Purchases”. The eligible merchant categories for “Gas and Daily Transportation Purchases” may change without notice.

⁴ Earn 1 point on every $1 of eligible purchases other than travel, gas and daily transportation purchases. Refer to the HSBC Travel Rewards Program Terms and Conditions for complete details.

Eligible purchases mean 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 and interest charges or fees do not qualify as eligible purchases.

⁵ Insurance 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 of 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 with your Cardholder Manual or subsequent to enrollment in the optional Travel and Medical insurance.

⁶ Apple, the Apple logo, and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries.

⁷ Zero Liability applies to purchases made in store, by telephone, online or via a mobile device or ATM transaction. We will not hold you responsible for unauthorized use if: i) you have used reasonable care in safeguarding your card and any related information, including Personal Identification Number (PIN) or password, and have not contributed to any unauthorized use of your card, PIN, account number or cheques; and ii) you report to us any actual or suspected loss, theft or unauthorized use of your card, PIN, account number or cheques immediately after becoming aware of it.

^®/TM Mastercard is a registered trademark, and the circles design and tap & go are trademarks of Mastercard International Incorporated. Used pursuant to license.