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HSBC Rewards Program

Great rewards options tailored to your HSBC Credit Card

Start earning rewards today!

Get the rewards and benefits you've earned, with a credit card that suits your global lifestyle

No-hassle rewards program. Redeem your rewards your way – for travel, gift cards, financial rewards and more. The choice is yours.

HSBC World Elite® Mastercard®

With the HSBC World Elite® Mastercard® you earn 3%1 in travel rewards on all eligible travel purchases2 (6 points per $1) and earn 1.5% in travel rewards on all other eligible purchases3 (3 points per $1).

Enjoy maximum flexibility and redeem4 your points on your terms for:

  • Travel rewards – Enjoy the flexibility of booking your airline tickets, vacation packages, car rentals, hotels, cruises, rail tickets, and tours on your HSBC World Elite Mastercard and redeem points for a statement credit towards these eligible travel purchases.
  • Book Travel - Redeem your points to book flights, vacation packages, hotels and more directly on the HSBC rewards website.
  • Gift cards and merchandise – Select from over 100 exciting gift card (physical and electronic) and merchandise options. From restaurants to clothing, you are bound to find the right one for you. Not enough points? Don’t worry. You can still get that reward today. Redeem your points and pay for the difference on your HSBC credit card at checkout.
  • Financial rewards – Pay down your HSBC residential mortgage, add to your HSBC personal savings account, or reduce your credit card balance.
  • Rewards for miles – Convert your points into frequent flyer miles for great travel and lifestyle rewards.

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

Start earning your HSBC Rewards today!

HSBC +Rewards™ Mastercard®

With the HSBC +RewardsTM Mastercard® get 2 points for every $1 on eligible dining or entertainment purchases (1% in travel rewards)5, earn 1 point for every $1 on all other everyday purchases (0.5% in travel rewards)6

Enjoy maximum flexibility and redeem your points on your terms for:

  • Travel rewards – Enjoy the flexibility of booking your airline tickets, vacation packages, car rentals, hotels, cruises, rail tickets, and tours on your HSBC +Rewards Mastercard and redeem points for a statement credit towards these eligible travel purchases.
  • Book Travel - Redeem your points to book flights, vacation packages, hotels and more directly on the HSBC rewards website.
  • Gift cards and merchandise – Select from over 100 exciting gift card (physical and electronic) and merchandise options. From restaurants to clothing, you are bound to find the right one for you. Not enough points? Don’t worry. You can still get that reward today. Redeem your points and pay for the difference on your HSBC credit card at checkout.
  • Financial rewards – Pay down your HSBC residential mortgage, add to your HSBC personal savings account, or reduce your credit card balance.

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

Start earning your HSBC Rewards today!

HSBC Premier World Elite® Mastercard®

With the HSBC Premier World Elite® Mastercard® you earn 3%7 in travel rewards on all eligible travel purchases2 (6 points per $1) and earn 1.5% in travel rewards on all other eligible purchases3 (3 points per $1).

Enjoy maximum flexibility and redeem8 your points on your terms for:

  • Travel rewards – Enjoy the flexibility of booking your airline tickets, vacation packages, car rentals, hotels, cruises, rail tickets, and tours on your HSBC Premier World Elite Mastercard and redeem points for a statement credit towards these eligible travel purchases.
  • Book Travel - Redeem your points to book flights, vacation packages, hotels and more directly on the HSBC rewards website.
  • Gift cards and merchandise – Select from over 100 exciting gift card (physical and electronic) and merchandise options. From restaurants to clothing, you are bound to find the right one for you. Not enough points? Don’t worry. You can still get that reward today. Redeem your points and pay for the difference on your HSBC credit card at checkout.
  • Financial rewards – Pay down your HSBC residential mortgage, add to your HSBC personal savings account, or reduce your credit card balance.
  • Rewards for miles – Convert your points into frequent flyer miles for great travel and lifestyle rewards.

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

Start earning your HSBC Rewards today!

HSBC Cash Rewards Mastercard®

Enjoy the flexibility of using your cash back rebate towards your financial goals. Use it to pay down your HSBC Bank Canada residential mortgage faster, add to your HSBC personal savings account, or reduce your HSBC Cash Rewards Mastercard account balance.

HSBC Cash Rewards Program

  • 1.5% cash back for every $1 spent on eligible online purchases9
  • 1% cash back for every $1 spent on eligible gas, grocery and drugstore purchases10
  • 0.5% cash back for every $1 on all other eligible everyday purchases11

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

Start earning your HSBC Rewards today!

HSBC Travel Rewards Mastercard®

Collect points and reward yourself anytime;

  • 3 points for every $1 spent on eligible travel purchases12 (car rentals, vacations, hotel flights, etc.)
  • 2 points for every $1 spent on eligible gas and daily transportation purchases13 (subway, train, taxi, etc.)
  • 1 point for every $1 on all other eligible everyday purchases14

Redeem your points your way – The choice is yours

  • Travel rewards – Enjoy the flexibility of booking your airline tickets, vacation packages, car rentals, hotels, cruises, rail tickets, and tours on your HSBC Travel Rewards Mastercard and redeem points for a statement credit towards these eligible travel purchases.
  • Book Travel - Redeem your points to book flights, vacation packages, hotels and more directly on the HSBC rewards website.
  • Gift cards and merchandise – Select from over 100 exciting gift card (physical and electronic) and merchandise options. From restaurants to clothing, you are bound to find the right one for you. Not enough points? Don’t worry. You can still get that reward today. Redeem your points and pay for the difference on your HSBC credit card at checkout.
  • Financial rewards – Pay down your HSBC residential mortgage, add to your HSBC personal savings account, or reduce your credit card balance.

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

Start earning your HSBC Rewards today!

Credit cards no longer available

When you apply for an HSBC Premier Mastercard® card, you choose the rewards, for no additional fee!

HSBC Premier Rewards Program

  • Simply use your HSBC Premier Mastercard for all your everyday spending and earn 0.75 point15 for every $1 in eligible purchases.3 
  • Points can be redeemed16 for travel, financial rewards, merchandise, and gift cards.
Redeem Reward Points
  • Travel rewards – Enjoy the flexibility of booking your airline tickets, vacation packages, car rentals, hotels, cruises, rail tickets, and tours on your HSBC Premier Mastercard and redeem points for a statement credit towards these eligible travel purchases.
  • Book Travel - Redeem your points to book flights, vacation packages, hotels and more directly on the HSBC rewards website.
  • Gift cards and merchandise – Select from over 100 exciting gift card (physical and electronic) and merchandise options. From restaurants to clothing, you are bound to find the right one for you. Not enough points? Don’t worry. You can still get that reward today. Redeem your points and pay for the difference on your HSBC credit card at checkout.
  • Financial rewards – Pay down your HSBC residential mortgage, add to your HSBC personal savings account, or reduce your credit card balance.
  • Rewards for miles – Convert your points into frequent flyer miles for great travel and lifestyle rewards.

HSBC Premier Cash Back Rewards Program

Earn a full 0.75% Cash Back17 rebate – with no tiers and no caps – on eligible purchases3 made with your HSBC Premier Mastercard. 

Your Cash Back rebate will be applied as a credit to your HSBC Premier Mastercard account statement in January each year as long as your HSBC Premier Mastercard account is in good standing.

1 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.

2 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.

3 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.

4 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.

5 Earn 2 Points on every $1 of eligible dining and entertainment purchases. Refer to the HSBC Plus Rewards Program Terms and Conditions for complete details. Points earned on eligible dining and entertainment can be redeemed for rewards valued at up to 1% of the amount spent to earn them, and Points earned on all other eligible purchases can be redeemed for rewards valued at up to 0.5% of the amount spent to earn them. For example, $5,000 in eligible dining and entertainment purchases earns you 10,000 Points, which can be redeemed for travel rewards valued at $50. Other rewards that require 10,000 Points for redemption may be valued at less than $50. Redemption offers may change from time to time.

6 Eligible 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 and interest charges or fees do not qualify as eligible purchases. See the HSBC +Rewards™ Mastercard® Cardholder Manual for further details.

7 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 Premier 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 Premier World Elite 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.

8  All rewards offered are subject to the current Terms and Conditions of the HSBC Premier 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.

9 Earn 1.5% cash back on every $1 of eligible online purchases charged to your HSBC Cash Rewards Mastercard in a calendar year, up to a maximum of $6,000. After reaching $6,000, your online purchases will then earn: (1) 1% cash back on every $1, if it qualifies as eligible gas, grocery and drugstore purchases, or (2) 0.5% cash back on every $1, if it qualifies as other eligible purchases. Refer to the HSBC Cash Rewards Program Terms and Conditions for complete details.

Eligible online purchases mean purchases of goods and services made on your account that are classified in the Mastercard Network as online purchases and may change without notice.

10 Earn 1% cash back on every $1 of eligible gas, grocery and drugstore purchases. Refer to the HSBC Cash Rewards Program Terms and Conditions for complete details. Eligible gas, grocery and drugstore purchases are eligible purchases made from merchants that are classified in the Mastercard network as grocery stores, service stations/automated gas dispensers or drugstores. Some merchants may sell gas, grocery or drugstore products/services or are separate merchants located on gas, grocery or drugstore premises but they are classified in the Mastercard network in another manner; purchases from such merchants are not treated as “Gas, Grocery and Drugstore Purchases”. The eligible merchant categories for “Gas, Grocery and Drugstore Purchases” may change without notice.

11 Earn 0.5% cash back on every $1 of eligible purchases other than online, gas, grocery and drugstore purchases. Refer to the HSBC Cash 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.

12 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.

13 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.

14 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.

15 Customers enrolled in the HSBC Premier Rewards Program earn Rewards Points for most purchases charged to your HSBC Premier Mastercard account, less credits for returns, refunds and adjustments. No Rewards Points are earned on quasi-cash transactions, cash advances (which includes balance transfers), optional services, interest charges or fees. Terms, conditions and eligible purchases may change without notice. Refer to the HSBC Premier Rewards Program Terms & Conditions for details.

16 All rewards offered are subject to the current Terms and Conditions of the HSBC Premier 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.

17 Customers enrolled in the HSBC Cash Back Rewards Program earn rebate for most purchases charged to your HSBC Premier Mastercard account, less credits for returns, refunds and adjustments. No rebate is earned on quasi-cash transactions, cash advances (which includes balance transfers), optional services, interest charges or fees. Terms, conditions and eligible purchases may change without notice. Refer to the HSBC Cash Back Rewards Program Terms & Conditions for details.

18 Points or Cash Back rebate means each earn rate for Points or Cash Back rebate applicable to a Card that participates in the HSBC Rewards Program, including: i) the base earn rate of 0.75 Point / 0.75% rebate for every $1.00 in eligible purchases, ii) any special bonus Points or rebate offer that we may offer and for which you are qualified.

19 All rewards offered are subject to the current Terms and Conditions of the HSBC Advance 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.

20 Customers enrolled in the HSBC Personal Rewards Program earn Points for most purchases charged to your HSBC Mastercard account, less credits for returns, refunds and adjustments. No Points are earned on quasi-cash transactions, cash advances (which includes balance transfers), optional services, interest charges or fees. Terms, conditions and eligible purchases may change without notice. Refer to the HSBC Personal Rewards Program Terms & Conditions for details.

21 All rewards offered are subject to the current Terms and Conditions of the HSBC Personal 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.

22 Customers enrolled in the HSBC Personal Cash Back Rewards Program earn rebate for most purchases charged to your HSBC Mastercard account, less credits for returns, refunds and adjustments. No rebate is earned on quasi-cash transaction, cash advances (which includes balance transfers), optional services, interest charges or fees. Terms, conditions and eligible purchases may change without notice. Refer to the HSBC Cash Back Rewards Program Terms and Conditions for details.

23Applies only to eligible purchases (less returns) made in foreign currency (and not purchases converted to Canadian currency at the point of sale). Foreign currency transactions are billed to you in Canadian currency. When the transaction is posted to your Account, in addition to the exchange rate, you will be charged an additional conversion rate for each foreign currency transaction as set out in the Cardholder Agreement and disclosures. Current rates and fees are also available at hsbc.ca

24 Gas, grocery and drug store purchases are eligible purchases (less returns) made in Canadian currency with your HSBC Premier World Mastercard card at merchants that are classified in the Mastercard network as grocery stores, service stations/automated gas dispensers or drugstores. Some merchants may sell gas, grocery or drugstore products/services or are separate merchants located on gas, grocery or drugstore premises but they are classified in the Mastercard network in another manner. Purchases from such merchants will be considered eligible purchases, but not eligible gas, grocery and drug store purchases, for purposes of the accumulation of Points or Cash Back rebate, as applicable. Refer to the HSBC Premier World Rewards Program Terms and Conditions and the HSBC Premier World Cash Back Rewards Program Terms and Conditions, each of which may change.

25 Customers enrolled in the HSBC Personal Rewards Program or HSBC Gold Rewards Program earn Points for most purchases charged to your HSBC Mastercard account, less credits for returns, refunds and adjustments. No Points are earned on quasi-cash transactions, cash advances (which includes balance transfers), optional services, interest charges or fees. Terms, conditions and eligible purchases may change without notice. Refer to the HSBC Personal Rewards Program Terms & Conditions or the HSBC Gold Rewards Program Terms & Conditions for details.

26 Customers enrolled in the HSBC Personal Cash Back Rewards Program or the HSBC Gold Cash Back Rewards Program earn rebate for most purchases charged to your HSBC Mastercard account, less credits for returns, refunds and adjustments. No rebate is earned on quasi-cash transaction, cash advances (which includes balance transfers), optional services, interest charges or fees. Terms, conditions and eligible purchases may change without notice. Refer to the HSBC Cash Back Rewards Program Terms and Conditions for details.

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

TM HSBC +Rewards is a trademark of HSBC Group Management Services Limited. Used pursuant to license.

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