HSBC World Elite Mastercard

  • 20,000 Welcome Bonus Points

    ($100 value in travel rewards)1

  • No foreign transaction fees2 on foreign currency purchases. Only the exchange rate will apply.
  • 3% in travel rewards3 on all eligible travel purchases4

    (6 Points per $1)

  • Primary Cardholder Annual Fee: $149
  • Annual Interest on Purchases: 19.9%
  • Annual Interest on Cash Advances and Balance Transfers: 22.9%
  • Authorized User Annual Fee: $50 Per Card

Rates and fees

About this card

Rewards and benefits

  • No foreign transaction fees2
    Save on all your foreign currency purchases (even online) with no additional foreign currency conversion charges. Only the exchange rate will apply.
  • Earn 3%3 in travel rewards on all eligible travel purchases4 (6 Points per $1) and 1.5% in travel rewards on all other eligible purchases5 (3 Points per $1).

Travel benefits6

  • $100 annual travel enhancement credit
    Redeemable towards select airline seat upgrades, airline baggage fees and airport lounge passes.
  • 31-day insurance coverage7
    Worldwide Emergency Travel Medical insurance7. Enjoy longer trips with greater peace of mind (This coverage is only available if the primary cardholder and spouse are under age 65. Please note that travel in Cuba is not covered.)

Using your card

  • 24 hour worldwide assistance8
    With an Emergency Cash Transfer to a maximum of $5,000 if your card is lost or stolen.
  • Security and convenience
    With Apple Pay9, Tap & go and Zero liability10 protection for unauthorized use of the card.

More benefits of HSBC World Elite Mastercard

With the HSBC World Elite Mastercard you earn 3%3 in travel rewards on all eligible travel purchases4 (6 Points per $1) and earn 1.5% in travel rewards on all other eligible purchases5 (3 Points per $1).

Enjoy maximum flexibility and redeem12 your Points on your terms for:

  • Travel
  • Gift cards and valuable merchandise
  • Financial rewards
  • Rewards for miles

Please visit our HSBC rewards website rewards.hsbc.ca for more information.

How to apply

Before you apply, please read about the upcoming important changes effective August 1, 2019 to the rates and fees for HSBC Credit Cards. Learn More

To qualify for the HSBC World Elite Mastercard, you must:

  • Have an annual individual income of $80,000 or $150,000 household income, or minimum of $400,000 in assets under management (based on liquid, investable assets with a financial institutions in Canada).
  • Be a Canadian resident.
  • Be the age of majority in your province of residence.

New to HSBC?

Already a customer?

To access the application you will be required to login with your security device.

Apply in branch

Visit any HSBC branch to speak to a relationship manager.

1 The 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 or upgraded 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 and offers that state that they can be combined with an HSBC credit card welcome bonus offer. The HSBC World Elite Rewards Program Terms and Conditions apply.

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

 

3 Earn 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.

 

4 Eligible travel purchases mean eligible 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.

5 Eligible purchases means the amount of purchases of goods and services that are charged to your Account except for quasi-cash transactions (which include purchases of wire transfers, travellers 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. See the HSBC World Elite Mastercard Cardholder Manual for further details.

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

7 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 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.

 

8 Travel 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.

 

9 Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, iTunes, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. iPad Pro is a trademark of Apple Inc.

 

10 Zero Liability applies to purchases made in the store, over the telephone, online or via a mobile device and ATM transactions. We will not hold you responsible for unauthorized use if: 1. 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 2. 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.

 

11 The service is limited to up to four devices.

 

12 All rewards offered are subject to the current Terms and Conditions of the HSBC World Elite Rewards Program. There are a minimum number of Points required for redemption, which vary by reward. Some restrictions apply. For information on redeeming Points, visit rewards.hsbc.ca. Redemption offers may change from time to time.

 

®/TM World Elite and Mastercard are registered trademarks, and the circles design and tap & go are trademarks of Mastercard International Incorporated. Used pursuant to license.