Your Elite Rewards Program
- Earn 5× Points on all your travel purchases including airline, hotel and car rental
- Earn 2× Points on dining
- Earn 1× Points on all other purchases
How to use your Points
- Book flights, hotels, and car rentals on HSBC Travel, Powered by PricelineTMFootnote link 2
- Pay for everyday purchases at Amazon.com This link will open in a new windowFootnote link 3
- Get cash backFootnote link 4 via statement credits or direct deposit to an HSBC checking or savings account
- Pay your Annual Fee or eligible purchases with Pay with Rewards®Footnote link 5
- Choose merchandise, gift cards and eGift cards from hundreds of your favorite premium brandsFootnote link 2
Reward yourself, or someone special today.
Visit the rewards site for more information on travel benefits, gift cards, merchandise and more.
How your Points could add up
Use your HSBC Elite credit card to earn Points on eligible purchases, then redeem them for a reward of your choice.
| Category | Annual spend | Reward Points |
|---|---|---|
| Travel (5× Points) | $11,500 | 57,500 |
| Dining (2× Points) | $6,500 | 13,000 |
| Everything else (1× Points) | $37,000 | 37,000 |
| Total | $55,000 | 107,500 |
| Category | Travel (5× Points) |
|---|---|
| Annual spend | $11,500 |
| Reward Points | 57,500 |
| Category | Dining (2× Points) |
| Annual spend | $6,500 |
| Reward Points | 13,000 |
| Category | Everything else (1× Points) |
| Annual spend | $37,000 |
| Reward Points | 37,000 |
| Category | Total |
| Annual spend | $55,000 |
| Reward Points | 107,500 |
How much could my points be worth?
Annually, 107,500 Points could be redeemed for:
- $1,075 cash back
- $1,075 in eGift cards
- $1,612.50 travel booked with HSBC Travel
The values are based on an example of a total annual spend of $55,000 within the specific Points categories listed illustrating potential Point earnings and redemption values. Value amounts will vary based on actual spend amount and types of purchases.
How to redeem your Points online
It's easy to check your balance and redeem your Points online:
- Log on to online banking.
- Select your credit card from the account summary screen.
- Click 'Manage' on the right side of the screen, then select 'View and redeem rewards'.
- You’ll be taken to the HSBC Rewards Program website. Your balance will be displayed on the screen.
- Browse rewards by choosing a category from the menu of options provided.
- To redeem, add your selected reward to your Shopping Cart or follow the instructions provided.
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Additional information
With the HSBC Elite Rewards Program (also referred to as the “Program”) you earn points with every eligible purchase. The Program gives you the opportunity to use Rewards Program Points (“Points”).
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. Monthly spend chart is for illustration purposes only. Your spending and Rewards Points may vary.
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 Mastercard 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.
- Certain restrictions, limits and exclusions may apply. Please see HSBC Elite World Elite Mastercard® credit card Rewards & Benefits and Mastercard Guide to Benefits brochure for details.
- Customers with a physical US 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 www.amazon.com/hsbcrewards.
- Customers can choose to receive cash back redemptions as a direct deposit into their HSBC Bank USA, N.A. Checking or Savings Account, or as a statement credit on their HSBC Credit Card. For complete eligibility details, refer to your HSBC Guide to Benefits.
To offset a purchase by redeeming for a statement credit through Mastercard Pay with Rewards™, the purchase must appear on your transaction history within the last 90 days on the Pay with Rewards page of the HSBC Rewards site. The statement credit will be applied to your HSBC Elite World Elite Mastercard® Account. You may redeem Points for the full amount of your eligible purchase for purchases greater than $25. Each point you redeem through Pay with Rewards for purchases in eligible Travel categories is worth $0.0125, which means that 100 points is worth $1.25 in redemption value compared to the cash redemption value of $1. For example, 20,000 points are worth $250 towards travel, or $200 when redeemed for cash. Point redemptions are reflected as soon as the next business day in your HSBC Rewards Account and, on a monthly basis, as credits on your monthly credit card statement. There is no annual or lifetime maximum on the amount of statement credits that can be applied to your Account. Any request for statement credit redemption is final and cannot be revoked.
Note: An “ineligible purchase” means cash advances, interest and financing charges, fees, credit or debit adjustments and any amount other than purchases that may be charged to your Account with your card or checks. There must be sufficient points available in the HSBC Rewards account at the time of purchase authorization for a purchase to be eligible for Pay with Rewards. We may establish other qualifying and non-qualifying transactions from time to time. Point redemptions through Pay with Rewards do not count towards your monthly minimum payment on your HSBC Elite World Elite Mastercard® Account. You are responsible for paying the minimum amount which appears on your monthly Account statement, unless the statement credit brings your balance to zero.
Mastercard Pay with Rewards™ is a trademark of Mastercard International Incorporated.