The HSBC Elite Credit Card is more than just a high-limit card — it’s a lifestyle enhancer for those who demand premium service and world-class advantages.
Key Card Details
📌 Network: Mastercard World Elite® – accepted worldwide
📌 Annual Fee: $395 (waived for the first year)
📌 APR (Variable): 21.99% to 27.99%, based on creditworthiness
📌 Minimum Credit Line: $5,000
📌 Foreign Transaction Fees: $0
📌 Sign-Up Bonus: 50,000 points after spending $4,000 in the first 3 months (equivalent to $750 in travel)
Elite Benefits That Stand Out
✔️ $100 Annual Travel Credit – automatically applies to eligible travel expenses
✔️ Complimentary Lounge Access – through Priority Pass™ Select
✔️ Global Entry/TSA PreCheck Credit – up to $100 reimbursement every 5 years
✔️ Mastercard Concierge – book events, travel, dining and more with VIP assistance
✔️ Travel & Purchase Protections – trip cancellation insurance, baggage delay coverage, fraud protection
Points Program Highlights
- 3x Points on airfare, hotels, and restaurants
- 2x Points on select entertainment and streaming services
- 1x Point on all other eligible purchases
- Points never expire as long as your account remains open and in good standing
- Redeem for: travel, statement credits, gift cards, or merchandise
Things to Consider
⚠️ High Credit Score Preferred
This is a premium card designed for individuals with good to excellent credit (typically 720+).
⚠️ Annual Fee Returns After Year One
After the first year, the $395 annual fee applies, but it may be offset by the travel credits and lounge access.
How to Apply for the HSBC Elite Credit Card
The application process is fully digital and takes just a few minutes. Here’s what to do:
- Visit the HSBC US website or mobile app
- Fill out the application form – personal info, income, and employment
- Review the terms and disclosures
- Upload required documents – valid ID, proof of income, and address
- Submit your application and receive a decision (usually within minutes)
Once approved, your card will be mailed directly to your home, ready to use with mobile wallets and contactless payments from day one.