For those who expect more from their credit card, the HSBC Elite Credit Card offers a refined experience designed to match a global lifestyle. It goes beyond everyday rewards, offering high-end travel perks and flexible earning potential.
Whether you’re a frequent flyer or someone who values elevated service, this card is crafted to turn your purchases into powerful benefits. Travel, dining, and luxury come together—no compromises required.
HSBC Elite Credit Card – Premium Benefits That Impress
- Big Welcome Bonus for New Cardholders: After qualifying purchases, you’ll receive a substantial bonus in reward points, giving you a head start toward luxury travel, hotel stays, or experiences. It’s a generous incentive designed to reward you from the beginning.
- Earn 3X Points on Travel and Dining: Enjoy 3 points per dollar on eligible travel and dining purchases worldwide. Whether you’re booking flights, reserving a resort, or enjoying a fine restaurant, your spending works harder for you.
- 1X Points on Everyday Purchases: All other eligible purchases earn 1 point per dollar—ideal for consistent point accumulation on everyday expenses like groceries, gas, or online shopping.
- $400 Annual Travel Credit: Each year, you’ll receive up to $400 in travel credit toward airline tickets, hotels, or other eligible expenses. It’s automatic value for cardholders who explore often.
- Unlimited Lounge Access via Priority Pass Select: Relax before your flight with complimentary access to over 1,000 airport lounges worldwide. Bring guests and escape the airport crowds in comfort.
- TSA PreCheck and Global Entry Reimbursement: Get reimbursed for your application fee when enrolling in TSA PreCheck or Global Entry, making your airport experience faster and more efficient.
- Cell Phone Protection: When you pay your wireless bill with your HSBC Elite Card, you’re covered for eligible cell phone damage or theft—providing peace of mind for your tech.
- No Foreign Transaction Fees: Spend freely while traveling abroad without worrying about hidden costs. The HSBC Elite Card never charges extra for international purchases.
- Global Emergency Assistance and Concierge: Access 24/7 customer support, personal concierge service, and emergency card replacement no matter where in the world you are.
Qualification Requirements
- Legal U.S. Resident: Applicants must reside in the United States with a valid residential address.
- 18 Years or Older: You must meet the age requirement to apply (19+ in certain states).
- Strong Credit Profile Recommended: The card is geared toward applicants with good to excellent credit scores.
- Stable Source of Income: Proof of steady income may be required to evaluate your repayment ability.
- Valid SSN or ITIN: A Social Security Number or Individual Taxpayer Identification Number is required for application.
- No Major Negative Credit Events: Applicants with recent bankruptcies or charge-offs may not qualify.
How to Apply for the HSBC Elite Credit Card
- Visit the HSBC US Website: Go to the credit card section and select the Elite Card to start your application.
- Click “Apply Now” and Provide Details: You’ll be asked to enter your personal, financial, and contact information securely.
- Verify Your Identity: Confirm your identity with your Social Security number and other personal details.
- Review Terms and Offer: Before submitting, take time to read the terms, rewards structure, and other important disclosures.
- Submit and Await Decision: HSBC may provide instant decisions or request additional documentation depending on your application.
- Set Up Online Access: Once approved, enroll in online banking to monitor spending, redeem rewards, and access concierge support.
Frequently Asked Questions
Is there a foreign transaction fee?
No. The HSBC Elite Credit Card has no foreign transaction fees, making it ideal for international travelers.
What is the travel credit, and how does it work?
You’ll receive up to $400 annually as a statement credit on eligible travel-related purchases made with your card.
Can I access airport lounges with this card?
Yes. Cardholders receive complimentary Priority Pass Select membership with unlimited visits and guest access.
Are the rewards points flexible?
Yes. HSBC points can be redeemed for travel, merchandise, gift cards, or cash back. You can also transfer points to select airline partners.
