The HSBC Elite Credit Card

This card delivers unmatched luxury, practical value, and premium rewards built for frequent flyers and discerning spenders.

CREDIT CARD

HSBC Elite

Earn 60,000 Welcome Points No foreign transaction fees

SEE HOW TO APPLY You will remain on the current site

A Credit Card That Works for the Way You Travel

The HSBC Elite Credit Card is designed for global travelers, experience seekers, and high-spending professionals who expect more from their card — more perks, more comfort, and more value for every dollar spent.

Whether you’re jetting across continents or dining at a five-star restaurant in your hometown, this card brings elite benefits to your everyday life.

Key Benefits That Make a Difference

• 60,000 Bonus Points after you spend $4,000 in the first 3 months — worth up to $900 in travel when redeemed through HSBC Travel.
• 5X Points on Travel including airfare, hotels, cruises, car rentals, and more.
• 2X Points on Dining — from Michelin-rated establishments to your favourite neighborhood spots.
• $400 Annual Travel Credit when booking through HSBC Travel.
• Global Entry/TSA PreCheck/NEXUS Credit up to $120 every 4.5 years.
• Unlimited Priority Pass Lounge Access for you and two guests.
• $120 Rideshare Credits and up to $140 Instacart+ Benefits annually.

How It Works

After approval, simply use the card for everyday travel and dining purchases. You’ll immediately begin earning points at accelerated rates, and your rewards can be redeemed for travel, cash back, gift cards, and merchandise. To unlock the annual $400 travel credit, you must book travel through HSBC Travel — a proprietary booking platform offering competitive rates and premium support.

The combination of rewards, credits, and luxury benefits is designed to reduce out-of-pocket travel expenses while delivering a seamless lifestyle upgrade.

How It Compares: Elite vs. The Competition

Note: These comparisons reflect early 2025 benefits and may vary based on provider updates.

Is the HSBC Elite Worth It?

Absolutely — if you travel at least twice a year and spend frequently in travel and dining categories, the value easily offsets the $495 annual fee. With the $400 annual travel credit alone, you’re already reclaiming nearly the full cost — and that’s before counting airport lounge access, rideshare and grocery delivery perks, and Global Entry reimbursement.

This is a true premium card that doesn’t just charge a high annual fee and hope you forget about it — it delivers measurable, practical value in return. Unlike many travel cards that make you chase redemptions, the HSBC Elite delivers automatic value from day one.

Why You Should Consider It

Choose this card if you:

• Fly often and want a reliable travel companion with built-in credits.
• Value access to luxury perks like lounges and concierge service.
• Want flexible rewards that aren’t restricted to airline or hotel loyalty programs.
• Appreciate a global issuer that understands international travel needs.
• Seek a rewards program that keeps things simple but valuable.

Want to see how to squeeze every dollar out of the HSBC Elite?

Continue to Page 2, where we break down real-life examples, usage strategies, insider tips, and overlooked features most cardholders miss!