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HSBC Elite Credit Card review

The information about the HSBC Elite Credit Card has been collected independently by Finder. The card details have not been reviewed or approved by the card issuer.

Earn accelerated points on travel and dining and other premium perks.

  • Get this card if you often travel internationally.
  • Pick something else if you want a card with an intro APR period or no annual fee.
  • Apply if you’re an HSBC Premier customer with a good to an excellent credit score of 670 or higher.

3x points on travel, 2x on dining and 1x on everything else



Annual fee

14.99% to 18.99% variable

Purchase APR


Minimum Credit Score


Annual fee$395
Welcome offer50,000 points after spending $4,000 in the first 3 months
Rewards3x points on travel, 2x on dining and 1x on everything else
Purchase APR14.99% to 18.99% variable
Balance transfer APR14.99% to 18.99% variable
Minimum Credit Score670

Review by

Kliment Dukovski is an investments writer who has written over 600 articles to help readers find and compare the best financial options. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

HSBC Elite Credit Card could be a good fit for HSBC Premier customers who often travel Internationally. It’s a premium travel card with perks and accelerated points on travel and dining.

To apply for the card, however, you must be an HSBC Premier customer.

The perks

  • Signup bonus.
    Spend $4,000 in the first 3 months of your account opening and earn 50,000 bonus points. As of March 2019, that’s up to $750 worth of airfare when booked through HSBC Rewards, according to the HSBC website.
  • Reward points.
    Earn 3x points on travel purchases, 2x on dining and 1x on everything else you buy.
  • Lounge membership.
    Enjoy membership to more than 850 airport lounges worldwide from Mastercard Airport Experiences, and two lounge visits per year for no extra cost.
  • Annual air travel credit.
    Get $100 air travel credit every year to reimburse airfare, seat upgrades, baggage fees or in-flight purchases.
  • Uber and Lyft credit.
    Use $100 statement credit annually for Uber and Lyft rides.
  • TSA PreCheck credit.
    Apply for TSA PreCheck and get reimbursed for the $85 application fee.

You’ll also like

  • No foreign transaction fees.
    No fees added for purchases made outside the US.
  • Unlimited Boingo Wi-Fi access.
    Enjoy Wi-Fi access with Boingo on airports, restaurants, hotels and other locations.
  • Mastercard World Elite concierge.
    Get dining recommendations, bookings for restaurants or events or any other kinds of assistance you may need.
  • Discount on hotel bookings.
    Book through Agoda or Expedia hotels that have “Promotion Eligible” banners and get a 10% discount.

What to watch out for

  • Annual fee.
    Expect to pay a $395 annual fee for the card. Authorized users cost an additional $65 per person.
  • Penalty APR.
    A single late payment could set you back for a late payment fee and a penalty APR of 29.99% variable. Once incurred it will apply for at least six months, but it may apply indefinitely if you don’t pay your balance on time.
  • Application eligibility.
    You’ll need to have a minimum of $100,000 in an HSBC Premier checking account to apply. Otherwise, you’ll pay a maintenance fee of $50 monthly.

Compare travel credit cards

Name Product Welcome Offer Rewards Annual fee Filter values
Capital One Venture Rewards Credit Card
Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel
Earn unlimited 2x miles on every purchase, every day
Earn 60,000 bonus miles once you spend $3,000 on purchases within the first 3 months ​from account opening
Capital One Venture X Rewards Credit Card
100,000 miles after you spend $10,000 in your first 6 months of account opening
10x miles on hotel and rental car purchases booked through Capital One Travel, 5x miles on flights booked through Capital One Travel, and 2x miles on every other purchase

Capital One VentureOne Rewards Credit Card
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Earn unlimited 1.25x miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel.
Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening.

Compare up to 4 providers

Bottom line

Consider the HSBC Elite Credit Card if you’re looking for a premium travel credit card. It comes with a generous signup bonus, accelerated points on travel purchases and dining, plus you get annual travel credit and Uber and Lyft credit.

However, if you think there could be a better option for you, check out similar travel credit cards and compare options.

Frequently asked questions

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