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HSBC Premier credit card

Designed for your everyday spend.

Rich rewards and benefits

Earn Points for every dollar spent on day-to-day purchases using your Premier credit card.

By using your Premier credit card, you can take advantage of benefits worth over $1,200 in the first year and $600 per year thereafter.[@premier-valueamount]

You must have an existing U.S. HSBC Premier checking account.[@mastercardpremierrelationship]

APR rates and fees

Annual fee
$95* and $0 for authorized users[@addauthuser]

Competitive variable APR on purchases and balance transfers
20.74% to 24.74%* (variable)

No foreign transaction fees

Key benefits of an HSBC Premier credit card 

50k Welcome Bonus Points

Earn 50,000 Welcome Bonus Points, worth up to $625 in travel when booked through HSBC Travel, after spending $4,000 in the first 3 months of opening your card.[@50k-welcome-points]

3x Points on gas and groceries

Earn 3x Points on your day-to-day purchases like gas and groceries.

2× Points on travel

Earn 2× Points on new travel purchases including flights, hotels and car rentals.

1x Points on all other purchases

Earn 1x Points on all other purchases you make with your card.

Your Premier credit card comes with:

Premier everyday benefits

  • Receive up to $60 in statement credits[@streaming] annually when you pay for your TV streaming subscription.
  • Get up to $140 annually with Instacart+. When you sign up as a new member, receive 2 free months of Instacart+ and $10 off your second order each month.[@instacart]
  • Take 3 rides, and get a $5 Lyft App credit every month with your Premier credit card.[@lyft]
  • Complimentary ShopRunner membership worth $79 annually.[@shop-runner]

Premier travel benefits

  • Speed up airport screening with up to $85 towards Global Entry, TSA Precheck, TSA Precheck by Clear, or NEXUS application fees, once every 4.5 years.[@premier-airport-screening]
  • Get up to 7% off prepaid accommodation with Booking.com [@booking-com]
  • Rewards for Miles program that allows you to transfer your points into any of our 11 airline and 2 hotel partners’ loyalty programs.[@rewardsformiles]

Peace of mind

  • Cellular Wireless Telephone Protection provides reimbursements up to $600 per claim if your cellphone is stolen or damaged[@restrictionslimitsexclusionspremier]
  • Mastercard ID Theft Protection™ [@theft-protection] and Identity Fraud Expense Reimbursement provide support and expense reimbursement if your identity is compromised through identity fraud.

     

     

     
  • Purchase Assurance covers most purchases from damage or theft within 90 days of purchase up to $1,000[@purchase-assurance].

Things to know

Apply for an HSBC Premier credit card

Already a customer?

If you already have a U.S. HSBC Premier checking account, you can apply for an HSBC Premier World Mastercard® credit card online now. If you are a Private Bank customer, please contact your Relationship Manager to apply.

New to HSBC?

To apply for an HSBC Premier World Mastercard® credit card, you must have an existing U.S. HSBC Premier checking account.

Other ways to apply 

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Additional information

    Disclaimers 

    *The information about the costs and benefits of the card described is accurate as of {{currentDate}}. The information may have changed after that date. To find out what may have changed, call 888.662.4722 (HSBC). A variable Purchase Annual Percentage Rate (APR) applies to credit card purchases and will be 20.74 % to 24.74%, depending on your credit worthiness, for the HSBC Premier World Mastercard® credit card. A variable Balance Transfer APR applies to balance transfers and will be 20.74 % to 24.74%, depending on your credit worthiness. The variable Cash APR applies to cash advances and is 29.74%. These APRs will vary with the market based on the Prime Rate, for a maximum APR of 29.99%. For each billing cycle, variable APRs are calculated by adding a specified amount ("Spread") to the U.S. Prime Rate published in the Money Rates table of The Wall Street Journal that is in effect on the last day of the month ("Prime Rate"). If the Prime Rate changes, the new APRs will take effect on the first day of your billing cycle beginning in the next month. The Minimum Interest Charge is $1.00. A transaction fee of $10 or 5%, whichever is greater, will apply for each Balance Transfer, Check, or Cash Advance transaction. There is no Foreign Transaction Fee. The annual fee for the Premier credit card is $95 for primary cardholder & $0 for Authorized User(s) per year, $0 primary cardholder & $0 for Authorized User(s), for customers who hold a Private Banking Account relationship or HSBC US employee status at the time of application and on each subsequent credit card Account anniversary date to qualify for the annual fee rebate. See Summary of Terms for details. For more information regarding U.S. HSBC Premier eligibility requirements please visit https://www.us.hsbc.com/checking-accounts/products/premier/ or speak with your Relationship Manager.

    How Points are earned: You earn Points when you use your card to make new purchases (minus returns, credits and adjustments).

    HSBC Premier World Mastercard® credit cards are issued by HSBC Bank USA, N.A., subject to credit approval and require a U.S. HSBC Premier relationship.

    Deposit products offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.

    Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. ©2024 Mastercard.

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