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HSBC World Elite® Mastercard®

Earn up to 60,000 Points PLUS a full annual fee rebate for the Primary Cardholder for the first year. Must apply by June 29, 2020. Conditions Apply.

HSBC World Elite Mastercard

Special Offer - Earn up to 60,000 Points1a,1b ($300 travel value) PLUS a full annual fee rebate for the Primary Cardholder for the first year1c ($149 value). Must apply by June 29, 2020. Conditions Apply.
  • Welcome Bonus – 20,000 Points1a ($100 travel value)
  • Spend $5,000 in the first 180 days to earn an additional 40,000 Points1b ($200 travel value)
  • 1st Year Annual Fee Rebate for the Primary Cardholder for the first year1c ($149 value)
  • 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

Special Offer - Earn up to 90,000 Points1a,1b ($450 travel value). Must apply by June 29, 2020. Conditions Apply

  • Welcome Bonus – 20,000 Points1a ($100 travel value)
  • Receive an additional 70,000 Points1b ($350 travel value) if you keep your account open and active for 180 days

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 credit7
    Redeemable towards select airline seat upgrades, airline baggage fees and airport lounge passes.
  • 31-day insurance coverage8
    Worldwide Emergency Travel Medical insurance8. 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 assistance9
    With an Emergency Cash Transfer to a maximum of $5,000 if your card is lost or stolen.
  • Security and convenience
    With Apple Pay10, Tap & go and Zero liability11 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 redeem13 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

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?

Apply in branch

Visit any HSBC branch to speak to a relationship manager.

1a These offers are available to successful applicants who have not, in the 12 months prior to submitting the application, held an HSBC credit card account.  Only one new account per customer is eligible for these offers.  The account opening is subject to our standard credit review and approval and additional conditions listed for the specific offers below.

The Welcome Bonus, the incremental points offer and the fee rebate offer (not available in Quebec) for HSBC World Elite Mastercard or HSBC Premier 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 World Elite Mastercard. 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.

The Welcome Bonus is 20,000 Points for the HSBC World Elite Mastercard or HSBC Premier World Elite Mastercard. The Welcome Bonus will be awarded only if your application for a new or upgraded HSBC World Elite Mastercard or HSBC Premier World Elite Mastercard is approved.  The Welcome Bonus is earned when you make the first purchase 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 or the HSBC Premier World Elite Rewards Program, as applicable. Limit of one Welcome Bonus per new or upgraded HSBC World Elite Mastercard or HSBC Premier 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 or HSBC Premier World Elite Rewards Program Terms and Conditions apply.

1b If you are not a resident of Quebec, you can receive the incremental 40,000 Points if you make eligible purchases in the aggregate amount of $5,000 or more within 180 days of opening or upgrading your account. If you are a resident of Quebec, you can receive the incremental 70,000 Points if you keep your account open and in good standing for 180 days from your account opening or upgrade. This offer applies to approved HSBC World Elite Mastercard accounts for which an application is received between March 30, 2020 and June 29, 2020 and may not be available for other types of HSBC credit cards. 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 180 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 and offers that state that they can be combined with other HSBC credit card offers. The HSBC World Elite Rewards Program Terms and Conditions apply.

1c This 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 March 30, 2020 and June 29, 2020. 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 and offers that state that they can be combined with other HSBC credit card offers. This offer is only valid for the first year.

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.

The Travel Enhancement Credit in the amount of $100 will be automatically available when your card is first issued and will be renewed annually on the anniversary of your Account, provided your Account is in good standing.  It can be redeemed toward eligible airline baggage fee, airline seat upgrade or airport lounge pass purchases made on the Account   The Travel Enhancement Credit must be redeemed within one year of the date it was made available or renewed.  At each anniversary of your Account, any portion of the Travel Enhancement Credit for which you did not submit a redemption request will expire and will not be carried over to the following year.

8 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.

9 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.

10 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.

11 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.

12 The service is limited to up to four devices.

13 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.

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