HSBC Metal World Elite Mastercard

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HSBC Metal World Elite Mastercard

HSBC Metal World Elite Mastercard

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

Earn 3%¹ in travel rewards on all eligible travel purchases² (6 points per $1)
Earn 2% in travel rewards on all eligible gas, grocery, and drugstore purchases³ (4 points per $1)
Earn 1% in travel rewards on all other eligible purchases⁴ (2 points per $1)
Pay no additional foreign transaction fees⁵ – only the exchange rate will apply
Receive a complimentary membership to Travel Pass provided by DragonPass and enjoy unlimited access for the cardholder and one guest at no extra cost
Receive a $200 annual travel enhancement credit⁶
Extensive travel and medical insurance coverage⁷

Primary cardholder annual fee: $499⁸ (receive a full annual fee rebate as an HSBC Private client^*)
Supplementary card annual fee: $0
Annual interest on purchases: 20.99% (19.9% for Quebec residents)
Annual interest on cash advances and balance transfers: 22.99% (21.99% for Quebec residents)

Rates and fees

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About this card

With the HSBC Metal World Elite Mastercard, you earn 3%¹ in travel rewards on all eligible travel purchases² (6 points per $1); 2% in travel rewards on all eligible gas, grocery, and drugstore purchases³ (4 points per $1); and 1% in travel rewards on all other eligible purchases⁴ (2 points per $1).

Enjoy maximum flexibility and redeem⁹ 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.

Enjoy maximum flexibility and redeem⁹ 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.

Unlike most credit cards, the HSBC Metal World Elite Mastercard will not charge you a foreign currency conversion charge when you make a purchase in a different currency. Only the foreign exchange rate will apply. This makes shopping abroad or online a more rewarding experience.

Simply charge your airline seat upgrades, baggage fees or airport lounge passes to your HSBC Metal World Elite Mastercard, and then redeem your travel enhancement credit to cover these charges, making your travel more enjoyable.

The annual $200 travel enhancement credit will automatically renew on your Account anniversary date.

At each anniversary of the Account, any unused portion of the Travel Enhancement Credit will expire and will not be carried over to the following year.

Emergency Travel Medical Insurance⁷

Receive out-of-province emergency travel medical insurance for up to $2 million whenever you travel outside your Canadian province or territory of residence. Coverage is for the first 31 days of a trip if the insured person is 64 or under, or for the first 21 days of the trip if over 65.

Flight Delay Insurance⁷

If your trip is delayed for more than 6 hours, you can be reimbursed up to $250 per day to a maximum of $500 for meals, toiletries and essentials.

Baggage Delay or Loss Insurance⁷

If your baggage is delayed for more than 6 hours, coverage can provide for essential purchases like toiletries and clothing up to $200.

If your checked or carry-on luggage and its contents are lost or stolen, you can be reimbursed up to $1,000.

Trip Cancellation and Trip Interruption/Delay Insurance⁷

If you must cancel your booked trip or it’s cut short due to a covered sickness or injury, you can be reimbursed up to $2,000 per person and a maximum of $5,000 per trip, for the cost of the unused portion of your flight and cancellation fees for hotels or resort arrangements. We'll also pay the cost to fly you home.

Hotel/Motel Burglary Insurance⁷

If your personal belongings are stolen from your hotel/motel room, you can be reimbursed up to $1,000 per occurrence.

Car Rental Insurance⁷

Your rental car is covered for damage due to a collision, vandalism and theft and towing when you charge 75% of the cost of the rental to your card and decline the rental company’s collision damage waiver. Remember your car rental cannot exceed 31 consecutive days.

Price Protection Service⁷

If you see an eligible item you purchased in Canada advertised for less within 60 days (same brand, model number and attributes), you will be refunded the difference, up to $500 per item (up to $1,000 per year).

Purchase Assurance and Extended Warranty Insurance⁷

Shop with confidence knowing eligible purchases made with your card are automatically protected against loss, damage or theft for up to 90 days from the purchase date.

Eligible purchases made with your card are also protected with double the repair period of the manufacturer’s original Canadian warranty for up to one extra year.

Mobile Device Insurance⁷

Your eligible smart device will be covered up to $1,000 from loss, theft, mechanical failure or accidental damage such as drops, cracks or spills. Use your card to purchase the eligible device or to pay your upfront charges and all wireless bill payments.

Your HSBC Metal Word Elite Mastercard provides you 24 hour worldwide assistance¹⁰with an Emergency Cash Transfer to a maximum of $5,000 if your card is lost or stolen.

Additional travel benefits

Receive a complimentary membership to Travel Pass provided by DragonPass with your HSBC Metal World Elite Mastercard and enjoy unlimited access for the cardholder and one guest at no extra cost to over 1,300 airport lounges worldwide.

Please note that there will be a fee of US$32 (or foreign currency equivalent) per person for any additional guests over the complimentary allotment for each visit.

In addition, HSBC Metal World Elite Mastercard cardholders can relax, enjoy and refresh as they wait for their flight with select food experiences, relaxing spa treatments and retail discounts.

To find out more about Mastercard Travel Pass and to enjoy the dining, retail and spa offers, please register on the Mastercard Travel Pass app from Google Play or App Store, or visit https://mastercardtravelpass.dragonpass.com.

Learn more

Please note that there will be a fee of US$32 (or foreign currency equivalent) per person for any additional guests over the complimentary allotment for each visit.

In addition, HSBC Metal World Elite Mastercard cardholders can relax, enjoy and refresh as they wait for their flight with select food experiences, relaxing spa treatments and retail discounts.

Learn more

10% discount on select hotel bookings on your card with Expedia and Agoda when you book directly through the HSBC Expedia and Agoda websites. For more information please visit:

https://www.expedia.ca/hsbccanada

Learn more

www.agoda.com/hsbcpremier

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Connect up to four devices at airports, hotels and popular places around town.

https://redeem.boingo.com/mcsi/

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Security and convenience

Apple Pay¹¹
Tap & go^TM
Zero liability¹² protection for unauthorized use of the card

Important Information

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

Be an HSBC Private client^*
Have a minimum annual gross personal income of $80,000 or a minimum annual gross household income of $150,000
Be a permanent Canadian resident
Be at the age of majority in your province of residence

If you are not an HSBC Private client or prefer a different card, you may be eligible to apply for another HSBC credit card which has different rates, fees and benefits.

Learn more about our other credit cards

*HSBC Private Client Services is available exclusively to HSBC Premier customers. To qualify, customers need to hold in CAD with HSBC Bank Canada (i) a minimum of $1 million in personal deposits and investments or (ii) both a minimum of $500,000 in personal deposits and investments and personal residential mortgage balances of at least $1,500,000. Full terms and conditions are available at hsbc.ca/pcsterms.

¹Earn 6 points on every $1 of eligible travel purchases, up to a maximum of $50,000 in eligible travel purchases charged to your HSBC Metal World Elite Mastercard in a calendar year. After reaching $50,000 in eligible travel purchases, you will earn 2 points on every $1 of eligible travel purchases. Refer to the HSBC Metal 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. 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.

²Eligible travel purchases mean 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.

³Gas, Grocery and Drugstore Purchase means a purchase at merchants that are classified in the Mastercard Network as grocery stores, supermarkets, service stations or drugstores and pharmacies. While some merchants may sell gas, grocery or drugstore products/services, or are located on gas, grocery or drugstore premises, if these merchants are classified in another manner, they are not treated as “Gas, Grocery and Drugstore Purchases”.

⁴Eligible 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, interest charges or fees, do not qualify as eligible purchases. See the HSBC Metal World Elite Mastercard Cardholder Manual for further details.

⁵The term “foreign transaction fees” is a substitute for Foreign Currency Conversion charges.

⁶The $200 Travel Enhancement Credit is 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 is available for one year from the date it was made available or renewed, and must be redeemed within 60 days from the date the eligible travel purchase is posted on your Account. 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.

⁷Insurance 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.

⁸If you’re an HSBC Private client, you can receive a $499 rebate on the HSBC Metal World Elite Mastercard annual fee. You’ll receive the annual fee rebate on the date the credit card annual fee is charged, if you’re i) an HSBC Private client, and ii) the primary cardholder of the HSBC Metal World Elite Mastercard. This rebate does not apply to other charges applicable to the credit card account. For full details, see HSBC Credit Card Annual Fee Rebate.

⁹All rewards offered are subject to the current HSBC Metal World Elite Rewards Program Terms and Conditions. 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.

¹⁰Travel 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.

¹¹Apple, 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.

¹²Zero 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.

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

HSBC Metal World Elite® Mastercard®