HSBC Elite
- Annual fee
- $495
- Earns
- HSBC points
- Point value
- 1.5 CPP
- Credits a year
- Up to $780
Welcome offer
Earn 75,000 HSBC points after you spend $4,000 in 3 months
≈ $1,125 at 1.5 CPP
Earning rates
| Category | Earns | Return |
|---|---|---|
| Travel | 5x | 7.5% |
| Dining | 2x | 3% |
| Groceries | 1x | 1.5% |
| Gas | 1x | 1.5% |
| Everything else | 1x | 1.5% |
Return is what each $1 of spend is worth with points valued at 1.5 CPP.
Credits and benefits
- HSBC Travel Credit$400 a calendar year
- Global Entry/TSA PreCheck Credit$120 every 4 years
- Rideshare & Taxi$10 a month
- Instacart+ Benefits$140 a calendar year
Up to $780 a year if you use every credit. Track them in the benefits tracker
Lounge access
Unlimited Priority Pass lounge visits (restaurants included) for the primary cardholder and up to 2 guests.
Guests
- Priority Pass Select: 2 free guests
Application rules
Counts toward 5/24
Opening it takes one of your Chase 5/24 slots.
Banking relationship
You need an existing U.S. HSBC Premier checking account, or an HSBC Private Bank relationship, to apply for this card.
About the HSBC Elite
The HSBC Elite is a personal Mastercard card from HSBC with a $495 annual fee that earns HSBC points. It earns 5x on travel, 2x on dining and 1x on everything else. The current welcome offer: earn 75,000 HSBC points after you spend $4,000 in 3 months. It comes with 4 statement credits worth up to $780 a year if you use them all. Cardholders get access to Priority Pass. AwardHack values HSBC points at 1.5 CPP.
Frequently asked questions
What is the HSBC Elite annual fee?
The HSBC Elite has a $495 annual fee. Its statement credits add up to $780 a year if you use all of them.
What is the HSBC Elite welcome bonus?
Earn 75,000 HSBC points after you spend $4,000 in 3 months. AwardHack values that at about $1,125.
Does the HSBC Elite include airport lounge access?
Yes: Priority Pass. Unlimited Priority Pass lounge visits (restaurants included) for the primary cardholder and up to 2 guests.
Does the HSBC Elite count toward Chase 5/24?
Opening it counts as one of your 5/24 slots.
Offers, fees and benefits change often. Check the issuer's site before you apply.