Elite credit card benefits

Please note: This Cardmember Agreement contains the Terms & Conditions for all HSBC consumer credit card products. For information about your credit card account pricing and fees, contact us via Live Chat at or call the number located on the back of your card.

1. Values are based on an example of total annual spend of $55,000 within specific Points categories and various card benefits. Value amounts will vary based on actual spend amount and types of purchases. Please refer to the HSBC Elite World Elite Mastercard® credit card Rewards and Benefits brochure at us.hsbc.com/gtb-elite/ for more details.

2. Certain restrictions, limits and exclusions apply. See your HSBC Elite World Elite Mastercard Guide to Benefits brochure for more information.

How Points are earned: You earn Points when you use your card to make new purchases (minus returns, credits and adjustments). Rewards Points earn rate applies after any introductory period.

All Reward option items are subject to limited availability and to the terms, conditions and restrictions imposed by suppliers. New items may replace selections, and certain items may be discontinued at any time, without advance notice. When necessary, HSBC Bank USA, N.A. may substitute a Reward of equal or greater value without advance notice. The customer will be notified of such a change when ordering. Redemption levels, Point values and availability are subject to change without prior notice.

You can receive Cash Back redemptions as a direct deposit or as a statement credit to your HSBC Elite World Elite credit card. If you select Cash Back as a direct deposit, only HSBC Bank USA, N.A. consumer checking and savings accounts in your name alone or as a joint accountholder are eligible.

3. The promotional period for this offer is 04/01/2025 to 04/30/2025 11:59p.m. ET. Eligible Cardmembers will receive 25% bonus Avios for HSBC Elite World Elite Mastercard® or HSBC Premier World Mastercard® Credit Card Rewards Program Points transferred to Avios during the promotional period. Bonus Avios will be awarded separately from the original transaction and will be credited to the customer within 7–10 business days. You must have a British Airways Club, AerClub and/or Iberia Plus account (“Participating Airline”) to participate in this offer.  These are the loyalty programs of British Airways, Aer Lingus, and Iberia, respectively. To transfer Points to Avios, you must be enrolled to the British Airways Club programme. Visit ba.com/enrol to enroll. Avios are redeemed in accordance to the British Airways Club Terms and Conditions, which can be found at www.britishairways.com/executive-club/terms-and-conditions.  To transfer Points to Aer Lingus, you must be enrolled in AerClub.  Visit aerlingus.com/aerclub to enroll. To transfer Points to Iberia, you must be enrolled in Iberia Plus. Visit iberia.com/us/iberiaplus/register to enroll. 

Reward Flights are available to any British Airways Club Members with an Avios balance. In addition to your Avios, the only cash amount required for Reward Flights is a fixed cash amount. Your chosen date of travel will determine whether you pay a peak or off-peak Avios amount. When booking Reward Flights, you can choose all peak dates, all off-peak dates or a mixture of the two. For travel in First, a cash amount to cover taxes, fees and carrier charges will be payable. The taxes, fees and carrier charges will vary dependent on airline and destination and will be calculated when you book your flights. The final fee (i.e. Avios plus payable taxes, fees and carrier charges) will be displayed at the final stage of your booking. To find out more about Reward Flights click here. British Airways Club Terms and Conditions and Conditions of Use apply. ​Before you redeem your Points, please read the Terms and Conditions, Security and Privacy Policy of the Participating Airline’s website, which may differ from the Terms and Conditions, Security and Privacy Policy of HSBC Bank USA, N.A. Once you have redeemed your Points to Avios, they become subject to the Terms and Conditions of the British Airways Club, AerClub or Iberia Plus, respectively. Transactions cannot be reversed. All Terms and Conditions of each Participating Airline apply. Each Participating Airline reserves the right to withdraw or cancel the offer or modify or alter the Terms and Conditions of the offer at any time without assigning any reason whatsoever.

4. Certain restrictions, limits and exclusions may apply. Please see HSBC Elite World Elite Mastercard® credit card Rewards & Benefits and Mastercard Guide to Benefits brochureHSBC Elite World Elite Mastercard® credit card Rewards & Benefits and Mastercard Guide to Benefits brochure for details. 

Customers with a physical U.S. address on their HSBC Credit Card and Amazon account can redeem Points through Amazon Shop with Points. Terms and conditions applicable to redeeming your HSBC Rewards Points through Amazon Shop with Points can be found at https://www.amazon.com/dp/B08TPVQ517

HSBC credit cards are issued by HSBC Bank USA, N.A., subject to credit approval and requires a U.S. HSBC checking account relationship. To learn more, speak with an HSBC representative.

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