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HSBC Premier World Mastercard® credit card review

The information about the HSBC Premier World Mastercard® 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 purchases.

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

Up to 2x



Annual fee

for the first year ($95 thereafter)

14.99% to 18.99%

Purchase APR (variable)


Annual fee$0 intro annual fee for the first year ($95 thereafter)
Welcome offer35,000 points after spending $3,000 in the first 3 months
Rewards2x points on travel and 1x points on all other purchases
Purchase APR14.99% to 18.99% variable
Balance transfer APR14.99% to 18.99% variable
Minimum Credit Score670

Review by

Kliment Dukovski is a credit cards and investments writer. He's written over 600 articles to help readers find and compare the best credit cards. 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

The HSBC Premier World Mastercard® credit card could be a good fit for HSBC Premier customers who want to earn travel rewards without paying a lofty annual fee. Among other perks, you can earn points on travel purchases and a solid signup bonus.

The perks

  • Signup bonus.
    Spend $3,000 within your first 3 months of card membership and earn 35,000 bonus points. According to the HSBC website, these points are worth around $400 in airfare.
  • Reward points.
    Earn 2x points on travel purchases and 1x points on everything else. Redeem points for flights, hotels and car rentals through the HSBC rewards website. You can also book a flight and use your points for statement credit reimbursement.
  • Uber and Lyft credit.
    Get $50 statement credit for Uber and Lyft rides every year.
  • TSA PreCheck credit.
    Apply for TSA PreCheck and get reimbursement for the $85 application fee.

You’ll also like

  • No annual fee for Premier clients.
    If you’re a Premier client, you won’t pay an annual fee.
  • No foreign transaction fees.
    You won’t pay foreign transaction fees on purchases made abroad.
  • Unlimited Boingo Wi-Fi access.
    Enjoy unlimited Boingo Wi-Fi when waiting at the airport, in a restaurant or a hotel.
  • Discount on hotel bookings.
    Get a 10% discount on hotels with the “Promotion Eligible” banner on Agoda or Expedia.

What to watch out for

  • Potential annual fee.
    If you’re not an HSBC Premier client, you’ll pay $95 annually starting your second year.
  • Penalty APR.
    Making a late payment will incur a penalty fee and a penalty APR of 29.99% Variable. Once applied, this penalty APR could last six months or more.
  • Card application eligibility.
    You must be an HSBC Premier customer with a minimum of $100,000 in an HSBC Premier checking account to apply. Otherwise, you’ll pay a maintenance fee of $50 monthly.
  • No intro APR period.
    If you’re looking to save money on interest on your purchases or balance transfers, consider credit cards with a 0% intro APR period.

Compare travel credit cards

Name Product Welcome Offer Rewards Annual fee Filter values
The Platinum Card® from American Express
100,000 points after spending $6,000 in your first 6 months, plus 10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 in combined eligible purchases in the same timeframe
10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 combined in the first 6 months, 5x points on prepaid hotels booked with American Express Travel, 5x points on directly-booked flights on up to $500,000 annually, then 1x points after that and on other eligible purchases

New Platinum Exclusive Offer

One of the most valuable premium travel cards, featuring two welcome offers worth up to $7,000 based on Finder's valuation, multiple travel credits and unrivaled lounge access. Terms apply, see rates & fees
American Express® Gold Card
60,000 points after spending $4,000 in the first 6 months
4x at restaurants including delivery and Uber Eats; 4x at US supermarkets on up to $25,000 annually (then 1x points), 3x points on directly-booked flights and 1x points on other eligible purchases

Rose Gold is Back

Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 based on our valuation with this upper-mid tier travel card. Terms apply, see rates & fees
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
50,000 miles after spending $2,500 in the first 3 months
2x miles on eligible American Airlines purchases, at gas stations and restaurants and 1x miles on all other purchases
$0 intro annual fee for the first year ($99 thereafter)
Earn 50,000 AAdvantage® bonus miles after you spend $2,500 in the first 3 months.

Compare up to 4 providers

Bottom line

If you’re an HSBC Premier customer wanting a travel rewards credit card with low to no annual fee, the HSBC Premier World Mastercard® credit card could be a decent choice. You get to earn points on travel purchases, you get a solid signup bonus, TSA PreCheck application fee credit and more.

But if you don’t find this card appealing, check out similar travel credit cards to compare options.

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