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HSBC credit cards complimentary travel insurance

Hsbc credit cards that offer complimentary travel insurance can help you save on the cost of overseas trips – so how much cover can you get.

In this guide

Which HSBC credit cards have complimentary travel insurance?

What's covered by hsbc complimentary international travel insurance, what do i need to do to use hsbc's credit card international travel insurance, pre-existing medical conditions, how to make a claim through your hsbc credit card complimentary international travel insurance policy, other types of hsbc complimentary credit card travel insurance, hsbc credit card complimentary insurance for shopping, other hsbc cards with complimentary insurance options, frequently asked questions.

HSBC offers complimentary insurance across its range of credit cards, including domestic and international travel insurance on HSBC Platinum and World Mastercard credit cards. The actual policies are underwritten by Allianz Insurance Australia (Allianz) and can be different based on the HSBC credit card you choose.

Like any insurance policy, there are terms and conditions you need to meet to get the cover and have your claims approved. The insurance policy booklet has complete details, so it's always good to keep that handy. But if you just want a quick guide of the cover you'll get, including what's available in a pandemic, we've got the key details here.

Have a question or need to make a claim right now? Call Allianz Insurance on 1800 648 093 (from Australia) or +617 3305 7499 (from overseas).

HSBC offers complimentary travel insurance to people with platinum and World Mastercard credit cards, as well as other types of insurance on other cards. Here are the key details for HSBC cards currently on the market.

Have an HSBC credit card that's not on this list? Check the terms and conditions available on the HSBC website to see if your card is eligible.

HSBC credit card travel insurance can give you cover for overseas trips of up to 4 months if you need to go to hospital overseas, miss flights because of delays, have your luggage stolen and for other situations that can leave you out of pocket.

The actual cover is broken down into "benefits" based on what you can and can't claim. Some claims also have an excess you need to pay before you'll get any money if a claim is approved.

Does HSBC complimentary credit card travel insurance cover pandemics?

Yes, some cover is available for COVID-19 and other pandemics or epidemics, including for cancellation and overseas emergency medical claims. There are very specific conditions you need to meet to make a claim, so it’s important to read the HSBC complimentary insurance policy document or call Allianz on 1800 648 093.

If you want more details about COVID-19 travel insurance, Finder also has a whole guide covering questions about pandemic and travel insurance .

Here, we've broken down the different types of claims, with an example of a situation when you might use the cover. But remember: You should always read the insurance policy booklet for complete details of the cover.

Medical, dental and emergencies cover with an HSBC credit card

Hsbc complimentary international travel insurance for cancellation, delays, accommodation and transport, luggage and personal items cover offered with hsbc credit card complimentary insurance, personal liability cover offered with hsbc complimentary credit card travel insurance, hsbc credit card complimentary international travel insurance for death and funerals, what's not covered.

Every insurance policy has details of when you will and won't get cover. These details can be very specific, which is why it is important to always check your insurance policy documents.

• Pre-existing medical conditions (unless you have got written confirmation from Allianz that your condition will be covered before you leave)
• Issues related to drinking alcohol or taking non-prescription drugs
• If you don't follow advice from any government, official body or mass media announcements
• Travel that's for the purpose of medical treatment
• If you're a crew member or pilot working on any of the transport
• Dangerous activities including rock climbing (with equipment), white water rafting, bungy jumping, off-piste snowboarding or skiing and quad or motorbike riding on a vehicle that has an engine capacity of 200cc or more

If you need cover for a skiing trip, bungy jumping or other overseas adventures, check out adventure sport travel insurance costs and conditions. Got a pre-existing health condition? Check out travel insurance policies that offer cover for conditions including asthma, high blood pressure and physical disabilities.

If you're planning a trip and want cover through your HSBC credit card, you'll need to meet the following requirements:

• Travel bookings. You need to use your eligible HSBC credit card to pay for at least $500 of your travel costs before the start of the trip. A simple way to meet this requirement is to pay for your airfares, cruise or hotel stays with the card. You also need a return ticket before you go.
• Australian residency. You need to permanently live in Australia.

Does HSBC credit card travel insurance cover family members?

Yes, if you meet the eligibility requirements for cover on an upcoming trip, your spouse and dependants (children) can get cover under this policy when they're travelling with you for at least half of your trip and meet the following requirements:

• They need to permanently live in Australia.
• At least $500 of their pre-paid travel costs have been paid for with your eligible HSBC credit card and they have a return ticket to Australia.
• They need to be travelling with you for at least 50% of your trip.

They also need to meet all the other conditions of the insurance policy.

Need written confirmation of cover? Call Allianz on 1800 648 093.

This complimentary international travel insurance doesn't typically cover pre-existing medical conditions.

In simple terms, that means you won't get cover if you've seen a doctor or other qualified professional about a condition that causes issues overseas. It's the same if you're aware of a physical, medical, mental or dental condition before you travel.

There are some exceptions if you're pregnant, though:

• You can get cover for pregnancy complications that arise from injury or sickness when you're travelling and meet the other eligibility requirements.
• If you were eligible for the travel insurance before you became pregnant, you'll be entitled to available cover.

If you have a pre-existing condition you want covered, follow these steps:

• Call Allianz Global Assistance on 1800 648 093. You'll then go through an assessment process.
• Answer all the questions honestly and give them any extra information they ask for.

If your pre-existing medical condition is approved for cover, you will need to pay an administration fee. This fee is non-refundable and the cost is not detailed in the insurance policy booklet, so make sure you ask how much it will be when you call Allianz.

If you follow these steps and get approved, Allianz will send you written confirmation of cover for your pre-existing medical condition.

Pre-existing medical condition definition for HSBC credit card insurance

As well as the summary above, we have included the definition that's in the current HSBC card insurance policy document for HSBC Platinum Cards and Premier World Mastercard accounts.

These are effective from 14 October 2022.

a condition of which a reasonable person in the circumstances, should have been aware at the time eligibility for the cover available was met, including:

• Any dental condition; or
• Any physical condition; or
• Pregnancy; or
• Any lifelong illness; or
• Any chronic illness; or
• Any mental illness; or
• Any current or previously treated cancer, or

Any condition which, in the last two years:

• Was treated by surgery (including day surgery); or
• Required regular medication; or
• Required on-going treatment; or
• Was referred to a specialist medical adviser; or
• Had regular reviews or check-ups; or
• Caused admission to hospital; or
• Was treated at a hospital emergency department or out-patient clinic.

If you think you will need to make a claim, contact Allianz Global Assistance as soon as possible so that they can give you specific information.

You can do this by calling +617 3305 7499 from overseas (a reverse charge number) or 1800 648 093 in Australia.

There are 2 main ways you can submit your claim:

Allianz will review your claim and ask for any further details before giving you an outcome.

What to include in your claim

With insurance claims, it's always good to include as much detail and supporting documentation as possible. It makes it easier for the insurer to look at the claim and your eligibility for a payout.

• A referral or letter from a doctor or other professional you see in relation to a claim
• Official medical reports
• Police reports
• Photos of damaged items
• Emails or letters from airlines that relate to a claim
• Receipts or other proof of purchase

Transit accident insurance

• What is it? Cover for accidents that happen when you're travelling overseas on a plane, train, cruise ship, bus or other eligible vehicle. You also get cover for related accidents that happen when you're boarding or leaving the transport.
• When can I use it? You are eligible for cover if you have paid for the entire trip with your eligible HSBC credit card before you leave. If your partner or dependants are permanent residents of Australia and travelling with you, they'll also get cover.
• Is there an excess cost? No, you don't need to pay an excess for any claims but there are limits to how much you can get paid out. For example, the loss of one hand or one foot has a maximum benefit limit of $100,000 for the cardholder, $50,000 for a spouse and $12,000 for a dependant.

Domestic travel insurance

• What is it? Cover for specific issues that come up when you're travelling to a different state or territory in Australia for up to 14 days. This can include costs relating to cancelled return flights, flight delays of 4 hours or more, delayed or lost luggage and rental vehicle excess insurance costs if you hire a vehicle.
• When can I use it? If you have used your eligible HSBC credit card to pay for the entire flight or at least $250 of your flights and accommodation before you leave. If your partner or dependants are travelling with you for at least 50% of the trip and meet these requirements, they'll also get cover.
• Is there an excess cost? Yes, $200 per claim for cover relating to cancellation or luggage.

Rental vehicle excess insurance in Australia

• What is it? Cover for damage or theft of a car or other vehicle you have hired in Australia, up to a maximum of $6,000.
• When can I use it? You are eligible for cover if you have paid for the hire car (or vehicle) using your eligible HSBC credit card. The vehicle hire agreement also has to include details of how much you need to pay if the vehicle is damaged or stolen.
• Is there an excess cost? Yes, $200 per claim.

HSBC credit cards give you access to other types of insurance, also provided by Allianz. Below is a snapshot of the different types.

Purchase protection insurance

• What is it? Cover for the cost of a new item that is stolen, accidentally damaged or lost. It covers most household and personal items such as laptops, shoes, jewellery and glasses. Exclusions include second-hand items, perishables, cash, computer software, vehicles and items you've accidentally left in a hotel after checking out.
• When can I use it? If you use your eligible HSBC credit card to pay for covered items, this insurance will apply for the first 90 days from when you get them. This cover is available for personal items bought anywhere in the world, and for gifts you have bought and given to someone who is a permanent Australian resident.
• How can I make a claim? You need to show proof that you own the item and report the loss, theft or damage to the local police or relevant authorities (such as the office of a transport company). You also need to show proof of the report, such as written confirmation for the authorities involved. Then, call Allianz on 1800 648 093.
• Is there an excess cost? Yes, $100 per claim. There are also maximum claim amounts depending on the item.

Extended warranty insurance

• What is it? Cover that doubles the manufacturer's warranty for items bought in Australia, up to a maximum period of 12 months. For example, if you bought a laptop with a 12-month manufacturer's warranty and it stopped working for no reason after 12 months, you could make a claim under this cover.
• When can I use it? If you used your eligible HSBC credit card to pay for an item and it came with an Australian manufacturer's warranty of between 7 days and 5 years. You can make a claim if something happens after the original warranty period has ended.
• How can I make a claim? Call Allianz on 1800 648 093 and give them as much information as possible.
• Is there an excess cost? Yes, $200 per claim. There is a total maximum claim limit of $10,000 per year.

Don't have complimentary insurance on your credit card yet? Compare HSBC credit cards or other cards that offer insurance .

HSBC also offers different types of travel insurance on the following cards:

• HSBC Corporate Card . If you're looking at getting a card account for your business, the HSBC Corporate Card offers travel insurance and corporate liability against deliberate misuse by cardholders.

How do I activate my HSBC travel insurance?

If you have an eligible HSBC credit card, you'll get international travel insurance when you pay for at least 90% of your return travel ticket before the start of your trip.

Does HSBC credit card travel insurance cover cruises?

Yes, the international travel insurance policy would cover you for eligible issues that come up when you're on a cruise.

Amy Bradney-George

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full profile

More guides on Finder

The HSBC Star Alliance Credit Card offers points and perks with partners including Singapore Airlines, Air New Zealand and United. Is it right for you?

This card offers 0% interest on balance transfers for 12 months, a first-year annual fee waiver and platinum benefits including airport lounge passes and complimentary insurance covers.

The HSBC Corporate Card offers expense management, flexible spending controls, liability protection and worldwide acceptance through the Mastercard network.

Designed for premium HSBC customers, the HSBC Premier World Mastercard offers points, complimentary insurance, airport lounge access and more.

The HSBC Platinum Qantas Credit Card is a premium option that earns frequent flyer points per $1 spent and offers complimentary insurance.

With HSBC credit card rewards program, cardholders get the ability to earn points on a one point to one dollar ratio that can be used for a vast array of rewards and extra points with HSBC partners.

The HSBC Low Rate Credit Card has a 0% balance transfer offer and a low ongoing interest rate for purchases – here's what else you need to know.

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Can You Buy Travel Insurance for Road Trips?

After spending seven years in the U.S. Air Force as an Arabic linguist, Carissa is now a freelance writer using points and miles to fund a four-year (and counting!) adventure. She previously worked as a reporter for The Points Guy. Her writing has since been featured in numerous publications, including Forbes, Business Insider, and The Balance. When she's not flying, you'll usually find her in a Priority Pass lounge somewhere, sipping tea and cursing slow Wi-Fi.

Megan Lee joined the travel rewards team at NerdWallet with over 12 years of SEO, writing and content development experience, primarily in international education and nonprofit work. She has been published in U.S. News & World Report, USA Today and elsewhere, and has spoken at conferences like that of NAFSA: Association of International Educators. Megan has built and directed remote content teams and editorial strategies for websites like GoAbroad and Go Overseas. When not traveling, Megan adventures around her Midwest home base where she likes to attend theme parties, ride her bike and cook Asian food.

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Table of Contents

How road trip insurance works

How to choose between road trip travel insurance companies, best plans for road trip travel insurance, other tips for road trip travel insurance, top cards with travel insurance for road trips, road trip travel insurance recapped.

There’s nothing quite like breezing down a highway with the windows down, the wind in your hair and a cooler full of sodas in the back seat. Whether you’re traveling alone or enjoying a road trip with friends or family, you’ll want to be sure that you’re covered with travel protections on your drive. This is as true whether you're embarking on a classic American road trip — like U.S. Route 66 — are or braving the roadways in a foreign country, in your own car or a rented vehicle.

Let’s take a look at road trip travel insurance, how it works and the best plans for auto travel insurance to suit your needs.

Road trips aren't immune to disruptions, and road trip insurance works similarly to travel insurance . Most plans require purchase before your trip begins and cover your prepaid expenses.

For rental cars

Not all third-party travel insurance policies automatically include coverage for a rental vehicle. Seek out plans that provide rental car insurance specifically — or book your car with a credit card that offers these specific protections .

Rental car travel insurance policies generally protect against damage to the rental vehicle only. Causes not within your control, such as collision, theft, vandalism, windstorm, fire, hail or flood damage are typically covered.

Because of the limited scope of rental car insurance, know that you may be on the hook if you’re liable for damage to other vehicles or if there’s bodily injury.

When picking up your rental car, you will likely be offered the insurance sold by the rental car company at the counter, typically called a Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW). You can decline this protection if you have sufficient coverage elsewhere (e.g., via a third-party policy or a credit card).

For your personal vehicle

Getting road trip insurance for your own vehicle isn't as common as travel insurance for rental cars , but it can still be a valuable consideration depending on your situation. For instance, access to roadside assistance can provide peace of mind if you are driving for long stretches in rural areas.

Finally, road tripping doesn’t end at driving a car. Other trip protections you may consider including in a travel insurance policy include medical evacuation, trip cancellation insurance, trip interruption coverage and accidental death and dismemberment (AD&D) insurance . This is true whether you opt to drive your own vehicle or rent one for your trip.

» Learn more: How to find the best travel insurance

With several travel insurance companies out there, it can be difficult to narrow down the one you really need. Before buying, always get quotes from multiple businesses.

This is because coverage levels and prices can vary dramatically. Insurance aggregators such as InsureMyTrip or Squaremouth (a NerdWallet partner) allow you to generate multiple quotes at once, plus they include filters for sorting so you can find the right policy for you.

Here are a few things to consider when looking for road trip insurance:

Whether you’re renting a car.

Where you're traveling.

Whether you already have car insurance. 

What types of coverage you’re interested in.

If you’re also planning on flying, cruising or using a ferry. 

How long you’ll be gone.

The cost of the plan.

To figure out the best road travel insurance, we combed a variety of insurance providers to check out their offerings.

Our quotes were built using a hypothetical 37-year-old from California taking a road trip throughout the United States. The total trip time was 15 days, and the total trip cost was $2,700. Here were the top contenders.

IMG’s iTravelInsured Travel SE plan came out significantly cheaper than competitors’ plans at just $100.43. This includes primary rental car coverage and a whole host of trip protections.

$40,000 in rental car coverage — $5,000 more than similar plans.

$250,000 in primary emergency medical coverage . 

Pre-existing conditions covered. 

Rental car coverage is only for collision, theft or damage to the vehicle.

$40,000 rental car coverage maximum. 

AD&D doesn’t cover strokes or any cardiac events.

HTH Worldwide

HTH Worldwide is another top option for travel insurance for car trips. Coming in at $185.29, the TripProtector Preferred plan provides up to $35,000 for rental car coverage, as well as other unique coverage options.

Covers additional kennel fees for your pet if you’re delayed. 

Includes $500,000 in primary emergency medical coverage.

Offers up to $200 to reinstate frequent traveler rewards, which is handy if you booked hotels on points for your trip.

Max of $35,000 in rental car coverage.

Repatriation of remains covers just $25,000.

Coverage excludes trucks, campers, motor bikes, recreational vehicles and exotic vehicles (defined as antique, limited production or collectible car or any other private passenger vehicle with a Manufacturer’s Suggested Retail Price over $75,000).

» Learn more: Is Cancel For Any Reason travel insurance worth it?

USI Affinity Travel Insurance Services

USI Affinity’s Diamond plan rang in at $187, just a little more than HTH Worldwide’s plan. While it includes rental car insurance, the limit is quite low, making this a better option for those who are driving their own vehicles.

Travel delay starting at six hours.

$1 million limit for medical evacuation and repatriation. 

$50,000 limit for 24-hour AD&D. 

$1,000 rental car insurance maximum.

$100 deductible for rental car insurance. 

Maximum trip length of 30 days. 

AXA Assistance USA

AXA Assistance USA is our final recommendation due to its nonmedical evacuation policy, which will transport you to safety during a natural disaster or time of political or civil unrest. This can be especially important if you plan on driving somewhere remote with unknown weather conditions. The total for AXA’s Gold plan came in at $215.

$50,000 in nonmedical evacuation. 

$35,000 in rental car coverage. 

Includes coverage for sporting equipment. 

Minimum 12-hour travel delay before benefits kick in.

$25,000 limit for 24-hour AD&D.

Max of $35,000 in rental car coverage. 

» Learn more: The best travel credit cards right now

We’ve gathered a few other tips for road trip travel insurance for you, so be sure to consider these before purchasing a policy:

Check out your own auto insurance policy. Within the U.S., your personal policy will usually also cover you when you drive a rental car.

Consider getting a travel credit card. Many travel credit cards include complimentary travel insurance as a benefit.

Secondary policies pay out after other options have been exhausted, but if you don’t have primary coverage, they automatically become primary. Keep this in mind when comparing plans. 

Waive the rental company's insurance and pay for your car with one these travel cards to get complimentary insurance on your rental and more:

on Chase's website

on American Express' website

• Primary rental car coverage: Up to the cash value of most rental vehicles.

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Primary rental car coverage: Up to $75,000.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Secondary rental car coverage: Up to $75,000.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

It’s important to ensure that you’re covered when you’re traveling, whether that’s by airplane, trains or automobiles. Depending on where you’re going, you may already have coverage — but do your due diligence and check first.

If not, consider getting a travel insurance policy that’ll cover your road trip, both for peace of mind and safety when you’re away from home.

American Express travel insurance disclosures

Insurance Benefit: Car Rental Loss & Damage Insurance

Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

Insurance Benefit: Trip Delay Insurance

Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit: Trip Cancellation and Interruption Insurance

The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

85,000 Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

Important Notice

On the Occasion of Eid Al Adha, we would like to inform you that our branches will be closed from Sunday 16 June 2024 to Tuesday 18 June 2024. We will resume our normal banking operations on Wednesday 19 June 2024. Eid Mubarak

Premier Credit Card

HSBC Premier Credit Card

Or call +974 4438 2200  (within Qatar) or +9714 224 1000  (outside Qatar).

With the HSBC Premier Credit Card you'll get:

• No annual fees: the card is free for life
• Air Miles Rewards Programme Earn 1 Air Mile for every QAR1 spent on retail purchases and redeem miles for your preferred airline tickets. You can use your Air Miles for shopping vouchers, entertainment, electronics and accommodation, or donations to charity. The choices are limitless. Visit the  Air Miles website  or call + 974 4444 921 0 for more details.
• Up to 56 days interest-free credit on purchases Your HSBC Premier MasterCard gives you a maximum of 56 interest-free days, provided you pay your outstanding balance in full, by the due date.
• Free HSBC Entertainer mobile app With the HSBC Entertainer on mobile, you'll never miss out on an offer. So whether you feel like having Mexican food for lunch, disconnecting from work with a scuba dive or unwinding with a massage at a 5-star hotel, you can now get the nearest offers straight off your phone. Find out more .
• Unlimited free additional cards for family members A shared limit means no one is ever left in a bind.
• Go green with us This HSBC Credit Card is now made from 85% recycled plastic
• Access to your account internationally With the Global View service you can transfer money and pay your bills across all of your HSBC credit cards, current, and savings accounts using your HSBC Premier MasterCard.
• Home & Away Get exclusive offers on shopping, dining, leisure, and entertainment at 19,000 outlets across 160 countries. Find out more and see the offers available to you here
• Travel benefits Enjoy multiple travel benefits including 10% discount with Agoda and Ministry of Villas.
• Flexible payment options with a minimum payment of 5%
• Complimentary airport lounges access You and your supplementary cardholders can unwind before you fly and take the stress out of travelling with complimentary access to over 1,100 airport lounges worldwide.
• Free SMS alert service for all transactions on your credit card account
• Emergency assistance Get around the clock, 24/7 emergency card assistance. Access USD 2,000 Instant Cash and a replacement card, due to loss or theft. To contact the Premier Emergency Hotline in Qatar, please contact 4438 2200 . If overseas, please call the Premier Emergency Hotline at +(1) 314 275 6781 .

Additional information

Instant cash.

Enjoy Instant Cash: up to 50% of your credit limit with your HSBC Premier MasterCard at over 810,000 ATMs worldwide, or over the counter at any global HSBC branch that displays the VISA or MasterCard symbols. A cash advance fee will be charged.

Flexible payment options

Your HSBC Premier MasterCard gives you the option to pay just 5% of the outstanding balance every month, and carry forward the remaining balance to your next statement. You have the option to pay an amount between 5% and 100% of your outstanding card balance each month.

Choose from the following convenient options to make your card payments:

• standing intruction to debit your HSBC Premier Savings or Current Account
• online payment through HSBC Internet Banking service, to transfer from your HSBC Savings or Current Account
• cash payment through HSBC branches or cash deposit machines in-branch
• a cheque payment to 'HSBC Bank Middle East Limited, P.O.Box 57, Doha Qatar'

For more information, please call us on 44382 200 .

Supplementary cards

• free HSBC Entertainer App: free download of our 'Buy 1 Get 1 Free' mobile app with over 8,000 offers across 15 countries and regions
• free Lounge Access: supplementary card holders can enjoy free access to selected airport lounges
• Air Mile: earn 1 Air Mile for every QAR 1 spent on retail purchases with our Air Miles Reward Programme

Travel benefits

Mastercard airport pass.

Effective 1 October 2021, Mastercard is launching Mastercard Airport Pass MEA, a mobile app and web solution powered by DragonPass. This service replaces LoungeKey program available on your Premier Credit card, which will be no longer be available from 31 December 2021 onwards.

Your airport lounge benefits remain unchanged and the new mobile app solution will ensure a seamless and cardless access to over 1,100 lounges worldwide. 

How to access a participating lounge:

• download the app for free from Google Play™ or the App Store
• register your HSBC Mastercard credit card in the app
• geolocation displays eligible lounges nearby for you to review the benefits available to you
• simply present the mobile app to lounge reception staff and enjoy touchless entry using a quick response (QR) code 
• end-to-end digital fulfilment without the need to show your physical card 

The app can be downloaded from the App Store or Play Store. A web version is also available where you can register your eligible Mastercard and print out your digital membership number. You can then present this number at the lounge reception staff to gain access.

10% discount with Agoda at over 180,000 hotels worldwide

Book your hotel through Agoda.com with an HSBC Premier Credit Card and get up to 10% off at more than 180,000 hotels worldwide.

You'll also receive instant confirmation and best rate guarantee, so you can focus on planning the rest of your trip with more savings to spend while you are there.

Booking must be made through  Agoda's HSBC Premier page .

10% discount on Ministry of Villas bookings

Benefit from 10% discount (before tax) at participating villas when paying with your HSBC Premier Credit Card with an added benefit with each booking.

There are thousands of Ministry Approved villas across Asia Pacific region to choose from. Browse the website for inspiration and submit your enquiry through  Ministry of Villas HSBC Premier page .

Luxury serviced apartment discounts

Feel at home wherever you go with discounts of up to 15% across luxury serviced apartments including onefinestay, Grosvenor House Dubai and Oakwood Properties.

Travel insurance

Travel Insurance Confirmation Letter

Generate a travel insurance letter seamlessly and instantaneously for your visa application needs. Find out more .

Mastercard® or HSBC does not undertake any insurance business or acting as an insurer, insurance broker, insurance advisor or insurance agent. American International Group, Inc. (AIG) or their authorized representative, and not Mastercard or HSBC, is providing the relevant insurance benefits. Complimentary insurance cover is available to HSBC Premier credit cardholders, provided that the travel tickets, car rental services or eligible goods have been purchased solely using eligible HSBC Premier credit card. 

Travel Insurance provided through AXA discontinued as of 31st December 2018.

Prevent fraud on your HSBC Premier MasterCard 

Credit card, debit card and Internet fraud can often be prevented. Most thieves use stolen credit cards within 48 hours. Call HSBC directly on our 24-hour helpline 44382 200 to report a lost card.

Keeping your HSBC Premier MasterCard safe

• treat your card like cash - never leave it unattended
• as soon as you receive your new card, sign the back immediately
• don't give out your card number over the phone unless you know the company well and you placed the call
• draw a line through the blank space above the total on all charge slips to prevent any alterations
• never sign blank charge slips
• check your card statements regularly and contact HSBC immediately if you notice any irregularity. All errors should be reported to us within 30 days of the statement mailing date
• record card numbers, phone numbers and expiration dates. Keep this record in a secure place and away from your cards, incase you need to report them lost or stolen.
• don't put your card or personal identification numbers (PIN) together, or put your PIN on your card or in your wallet
• if you're travelling, only carry the cards that you need
• to enable HSBC to help you more effectively, keep your contact details updated including your mobile number
• if your card is taken by the ATM, please inform HSBC immediately by calling  444382200
• if your HSBC Premier MasterCard is ever lost or stolen, contact us immediately by calling  444382200  to report it missing. Note that it is vital to verify yourself as the cardholder on the phone

The Internet

• only shop through websites that offer secure ordering and payments
• while on the checkout page of a shopping website, ensure the site uses a secure server before you give out your financial information. If the URL (web address) starts with "https://" then the site uses a secure server.
• only deal with companies that show their privacy policy on their websites and always read the stated privacy policy. While some websites may ask for personal data, the only information a merchant requires to process your order is the card name, credit card number and expiration date.

Join HSBC Premier

Experience a premium bank account, with priority services, global support and no monthly fees. 1 If you're an HSBC Premier customer in another country or region, then you'll automatically be eligible for a Premier Account in Qatar. If you'd like to apply for a Premier Account, you can apply for the Premier Credit Card at the same time.

• See if you’re eligible for a Premier Account  

Apply by phone

Apply in branch, related products.

HSBC Advance Platinum Credit Card

Enjoy the privileges of being an HSBC Advance cardholder.

HSBC Visa Platinum Credit Card

Wherever you are in the world, use this card to earn air miles and enjoy a range of benefits.

Disclaimers

1 If you do not meet the Premier or Advance eligibility requirements then we reserve the right, at our discretion, to charge you a service fee up to the point we convert your account into a Personal Banking account. Terms and Conditions apply.

We have detected your browser is out of date.  For more information, please see our  Supported Browsers page.

Explore the best things about your

HSBC Elite Credit Card

Explore your Rewards

All reward options are available to redeem online anytime, anywhere. 10

Enroll to earn 3X Points on fashion purchases

Bonus Points are available by invitation only and you must enroll. Elevate your style this Spring and earn more Points. Earn 3X Points (up to $3,000 spend) when you enroll, and use your credit card to pay at women’s, men’s and family clothing stores, shoe stores and cosmetic stores from April 01, 2024, through June 30, 2024.

•   Learn More Learn More Modal link

Enrich your travels with Flying Blue and receive 25% bonus Miles!

Want to get closer to your next Flying Blue reward? In June 2024, you'll receive 25% bonus Miles when you convert your HSBC Rewards Points to your Flying Blue account.

•   Learn more Learn more Modal link

home&Away

Welcome to  home&Away , a unique program offering valuable benefits here and around the world. Enjoy a variety of offers from worldwide travel, shopping & unique experiences.

•   How to use How to use Modal link

Don’t miss out on your HSBC Sports Bonus Points offer

Earn an extra 5,000 bonus points between May 15 through June 30, 2024, when you cumulatively spend $500 or more on purchases for tickets to sporting events, sporting goods stores, private and public golf courses, athletic recreation sports and country club memberships.

CONMEBOL Copa America USA 2024™

Your HSBC Mastercard® could send you to the CONMEBOL Copa America USA 2024™ match of your choice.

• Travel benefits
• Manage my account
• Lost or stolen card?

HSBC Travel Credit

Earn up   to  $400 per year for all airfare, hotels and car rentals  booked through HSBC Travel powered by Priceline®

Trusted Traveler Credit

Receive one statement credit every 54 months for the  $100 Global Entry®  application fee or up to $85.00 to cover towards your  TSA Precheck  Application fee.

Rewards for Miles

Rewards for Miles has expanded to include 11 airlines and 2 hotel partners.

•   How to use How to use Expedia offer Modal link

Unlimited Lounge Access

You and 2 guests get complimentary, unlimited access to more than 1,500 airport lounges provided by Priority Pass™.

Enjoy exclusive day passes to luxury resorts. Earn a $30 statement credit on your next ResortPass booking.

Booking.com

Make the most of your travel. Get up to 7% off prepaid bookings for accommodation.

Take 3 rides, get a $5 Lyft app credit every month. Also, get 10% off scheduled Lyft rides to any U.S. airport using your HSBC Elite Credit Card.

2024 Priceless Surprises

Your next purchase could be a chance to win big! From now until September 30, 2024, use your HSBC Credit Card and earn entries for each eligible purchase for a grand prize trip that suits your taste. Your HSBC Mastercard Credit Card could get you closer to your choice of one of the 14 dream destinations! Let your purchases create lasting memories for you.

Everyday Value

Get 2 months of Instacart+ and $10 off your second order each month with your HSBC Elite Credit Card.

New subscribers get $3 off Peacock Premium or $5 off Peacock Premium Plus each month when they use their HSBC Elite credit card to subscribe. Stream new movies from theaters, hit series, exclusive originals, live sports, and more.

Get 50% off your Alo Moves membership, plus 300 bonus points to Alo Access, Alo Yoga’s loyalty program.

Shop your favorite items and top deals all in one place. Plus, sign up for a complimentary ShopRunner membership to enjoy free 2-day shipping, exclusive discounts and more.

MLB® Postseason™ Sweepstakes

You could be at the ballpark to see your favorite team play in the  MLB® Postseason™  – compliments of your HSBC Premier Mastercard® Credit Card. Enter weekly until 9/29/24, and if your team makes it to the 2024  MLB® Postseason™ , you could win two (2) tickets to a home game – even the  World Series® 

Visit  baseballsweeps.mastercard.com  to enter.

Get more from your Card

Cell phone coverage 2.

Get reimbursed up to $800 per claim, if your cell phone is stolen or damaged.

Mastercard Travel Rewards

Get exclusive offers from top brands in over 15 countries outside the U.S. including France, Hong Kong, U.K. and more when you use your HSBC Elite or Premier Credit Card. 8

•   Explore 200+ Offers Explore 200+ Offers Modal link

Amazon Shop with Points TM

Unlock the power of your rewards with Amazon Shop with Points. Redeeming your Credit Card Rewards Points on Amazon.com is easy. Simply link your credit card to Amazon, shop the incredible selection of products, and select HSBC Rewards at checkout to pay with your Points.

Feel better knowing you’re not being overbilled. Get a complimentary HealthLock membership with a no-cost trial upgrade.

Enhanced Experiences

Priceless experiences®.

Enjoy hidden-gem experiences and special-access events virtually and worldwide.

Priceless Golf®

Play like never before, with priceless offers and global golf experiences.

Concierge Service

A personal assistant ready to help 24/7, worldwide.

Mastercard Travel & Lifestyle Services™

Get benefits, amenities and upgrades, preferential treatment and premium travel offers from best-in-class companies across hotels, air travel, tours, cruises, car rentals and more.

• Peace of Mind

MasterRental™ Coverage 2

Receive coverage on most rental vehicles when you rent for 31 consecutive days or less with your HSBC Elite Credit Card.

Travel Medical Insurance

If you have a medical emergency away from home, Travel Services Medical Protection Insurance can  help you get the best care.

Travel Accident Insurance 2

Receive accidental death or dismemberment insurance coverage up to $1 million when travelling.

Trip Cancellation Insurance 2

Pays a benefit of up to $1,500 per insured person in the event your trip is cancelled for a covered reason. 

Mastercard ID Theft Protection™ 2

Provides you with access to a number of Identity Theft resolution services, should you believe you are a victim of Identity Theft. 

Identity Fraud Expense Reimbursement 2

Reimburses for eligible expenses incurred in the process of restoring your credit, up to $1,000 per claim, resulting from identity fraud.

Purchase Assurance 2

Provides coverage for most new items purchased that are damaged or stolen within 90 days of the date of purchase, up to $1,000 per claim.

Price Protection 2

Reimburses for the difference in price, up to $250 per claim, on eligible items should you find the same item for a lower price.

Extended warranty 

Doubles the original manufacturer’s (or store brand) warranty up to 2 years.

Travel 

Peace of mind , world class rewards.

Get rewarded for every purchase you make 1 .

3× Points on Travel

Earn three Points per dollar spent on new airline, hotel, car rental purchases and more.

2× Points on Dining

Earn two Points per dollar spent on dining purchases. From your daily coffee shop to five star restaurants. 

Enroll to Earn Bonus Points 9

Earn 3X Points on fashion purchases from April 01, 2024, through June 30, 2024.

Earn one Point per dollar spent on all other purchases.

Monthly spend chart is for illustration purposes only. Your spending and Rewards Points may vary. 

60,000 Points, annually.

Redeem your points, your way!

20,000 Points

Can be redeemed for:

• $200 Cash Back
• Golf Equipment
• $300 trip booked with HSBC Travel

30,000 Points

Can be redeem for:

• $300 Cash Back
• $300 Dining Gift Card
• $450 trip booked with HSBC Travel

50,000 Points

• $500 Cash Back
• Robotic Vacuums
• $750 trip booked with HSBC Travel

Manage your card online 24/7

Tap & Go® for quick, secure payments

With Tap & Go® contactless payments, your HSBC Credit Card never leaves your hand. It’s not only secure but easier and faster than inserting or swiping your card for payments. 

So the next time you’re racing through a subway turnstile or grabbing a coffee on the way to work, make sure to keep your HSBC Credit Card at the top of your wallet.

You use your phone for everything else, why not purchases?

Add your HSBC Credit Card to a digital wallet and you can simply tap your phone to checkout at participating retailers. It’s quick, secure, and simple to set up. 

Plus, when you pay with mobile, you’ll also make it easier to:

• Shop online
• Make in-app purchases
• Pay with your smartwatch or tablet

Get started by adding your HSBC Credit Card today.

• Apple Pay®³   Apple Pay®³ This link will open in a new window
• Google Pay™⁴   Google Pay™⁴ This link will open in a new window
• Samsung Pay™⁵   Samsung Pay™⁵ This link will open in a new window
• Fitbit Pay™⁶   Fitbit Pay™⁶ This link will open in a new window
• Garmin Pay™   Garmin Pay™ This link will open in a new window

Important documents

• Download your HSBC Elite Credit Card Rewards & Benefits and Mastercard Guide to Benefits brochure Download your HSBC Elite Credit Card Rewards & Benefits and Mastercard Guide to Benefits brochure Download link
• Download your HSBC Mastercard credit card Cardmember Agreement. Download your HSBC Mastercard credit card Cardmember Agreement. Download link

Please note: This Cardmember Agreement contains the Terms & Conditions for all HSBC consumer credit card products. For information about your credit card account pricing and fees, contact us via Live Chat  at or call the number located on the back of your card.

Financial Wellness

Financial Wellness Center

Your Money Counts

Seven Reasons It’s Time to Go Cashless

1   How Points are earned:  You earn Points when you use your card to make new purchases (minus returns, credits and adjustments). Rewards Points earn rate applies after any introductory period.  Monthly spend chart is for illustration purposes only. Your spending and Rewards Points may vary. 

All Reward option items are subject to limited availability and to the terms, conditions and restrictions imposed by suppliers. New items may replace selections, and certain items may be discontinued at any time, without advance notice. When necessary, HSBC Bank USA, N.A. may substitute a Reward of equal or greater value without advance notice. The customer will be notified of such a change when ordering. Redemption levels, Point values and availability are subject to change without prior notice.

You can receive Cash Back redemptions as a direct deposit or as a statement credit to your HSBC Elite World Elite credit card. If you select Cash Back as a direct deposit, only HSBC Bank USA, N.A. consumer checking and savings accounts in your name alone or as a joint accountholder are eligible.

2  Certain terms, conditions and exclusions apply. Cardholders need to register for this service. This service is provided by Iris® Powered by Generali. Please see your HSBC Elite World Elite Mastercard® credit card Rewards & Benefits and Mastercard Guide to Benefits brochure for details or call 1-800-MASTERCARD.

3  Apple Pay works with iPhone 6 and later in stores, apps, and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2, and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, see https://support.apple.com/km207105 .

Apple, the Apple logo, Apple Pay, Apple Watch, iPad, iPhone, Mac, Safari, and Touch ID are trademarks of Apple, Inc., registered in the U.S. and other countries.  iPad Pro is a trademark of Apple Inc.

4  Google Pay is a trademark of Google LLC.

5  Samsung, Samsung Pay, Galaxy S7 and Samsung Knox are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Other company and product names mentioned may be trademarks of their respective owners.  Screen images are simulated; actual appearance may vary. Samsung Pay is available on select Samsung devices.

6  Fitbit, Fitbit Pay and the Fitbit Logo are trademarks, service marks and/or registered trademarks of Fitbit, Inc. in the Unites States and in other countries.

7  Garmin and Garmin logo are trademarks of Garmin, Ltd. or its subsidiaries and are registered in one or more countries, including the U.S. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.

8  As an HSBC Elite credit cardholder, you do not need to enroll or register for the Mastercard Travel Rewards program. This program is available to you automatically, at no additional cost.  Merchants may provide to eligible HSBC Elite Mastercard credit cardholders (“cardholder”) certain discounts, rebates or other benefits on the purchases of goods and services ("Offers") that will be available on the Mastercard Site. Merchants may also have different payment acceptance criteria for online purchases (e.g., debit or prepaid cards may not be accepted). Such Offers are subject to certain Terms & Conditions and may change at any time without notice to you. Payment acceptance criteria is determined by the merchant in its discretion and may be visible on the Merchant website. HSBC or Mastercard will not be liable for any loss or damage incurred as a result of any interaction between you and a merchant with respect to such Offers. Except as set forth herein, all matters, including but not limited to delivery of goods and services, returns, and warranties are solely and strictly between you and the applicable merchants. You acknowledge that HSBC or Mastercard does not endorse or warrant the merchants that are accessible through the Mastercard Site nor the Offers that they provide. If applicable, all offer redemption is dependent on merchant shipping policies and availability to cardholder's shipping address. For all offers that are specified as “unlock additional online offers” cashback is not earned on shipping, handling, tax or the purchase and/or use of gift vouchers, which for avoidance of doubt, includes gift cards, gift certificates, or any other similar cash equivalents. Terms and conditions apply, visit  https://mtr.mastercardservices.com/en/i/3705/faq  for additional information.  All third party-trademarks are the property of the respective owners.

9  To be eligible for the campaign benefit, you must successfully enroll in the program within the specified enrollment period beginning April 1, 2024, through June 30, 2024. Bonus Points accumulation starts on the date after which you successfully enrolled into the program through the end of the campaign period June 30, 2024. Transactions made outside of this period are not eligible. Bonus points accrue based on Elite or Premier Credit Card type at the time of enrollment and will not change if account is moved to another HSBC credit card. Your credit card account must remain open, active, and in good standing to continue receiving the campaign benefit. By enrolling in the credit card campaign benefit, you confirm that you have read, understood, and agreed to the above terms and conditions and, you consent to receiving communications regarding the campaign benefit and related promotions via email or other means of communication provided by you. HSBC Bank USA, N.A. reserves the right to modify, suspend, or terminate the campaign benefit and its terms at any time without prior notice.

From April 1, 2024, through June 30, 2024, HSBC Elite Mastercard credit cardholders in good standing and after successful enrollment, will earn three (3) Rewards Program Points (one Rewards Program Point and two promotional Points), up to $3,000 on net new purchases made at stores or retailers classified under the following merchant category codes (MCC): (5311) Department stores, (5611) Men’s and boys’ clothing and accessory shops, (5621) Women's Ready to Wear Clothes  (5651) FAMILY CLOTHING STORES,  (5661) SHOE STORES, (5691) MEN'S AND WOMEN'S CLOTHING STORES , (5977) COSMETIC STORES. HSBC is not responsible for 1) the merchant’s transaction description, 2) the exclusion of merchants within a merchant category code, 3) delays in the merchant submitting the transaction, or 4) if the transaction date provided by the merchant differs from your actual purchase date. If at any point during the campaign you are no longer an Elite credit cardholder, you may no longer qualify to receive this offer. 

10  Certain restrictions, limits and exclusions may apply. Please see your HSBC Premier World or HSBC Elite World Elite Mastercard® credit card Rewards & Benefits and Mastercard Guide to Benefits brochure for details.

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HSBC World Elite Mastercard Review

Thomas Guenther

Why you can trust us

The team at WealthRocket only recommends products and services that we would use ourselves and that we believe will provide value to our readers. However, we advocate for you to continue to do your own research and make educated decisions.

HSBC World Elite® Mastercard®

Rated 2.9/5 stars.

• 3 % Earn 3% back in travel rewards on travel-related purchases.
• 2 % Earn 2% in travel rewards on gas, grocery, and drugstore purchases.
• 1 % Earn 1% on all other purchases.
• Welcome Offer None
• Annual Rewards $310 Learn how we calculate this.
• Annual Fee $149 (first year waived)
• Minimum Income Required Individual: $80,000 Household: $150,000
• No foreign transaction fee
• First-year annual fee rebate
• $100 annual travel enhancement credit
• Rewards accumulate on almost every dollar spent with the card
• High annual fee for primary cardholders
• High income and credit score requirement

The HSBC World Elite Mastercard is a travel rewards credit card intended for the high-earning frequent traveller, whether that’s by air, train, cruise ship, or car. With no foreign transaction fee, this card is an attractive option for those who plan to spend frequently while abroad. You can earn rewards on travel and other categories like gas and groceries, and put those rewards toward a variety of other travel-related expenses.

In This Article

Hsbc world elite mastercard: an overview, hsbc world elite mastercard rewards, hsbc world elite mastercard eligibility, hsbc world elite mastercard interest rates and fees, hsbc world elite mastercard perks, compare hsbc world elite mastercard alternatives, our final thoughts.

The Royal Bank of Canada (RBC) will be purchasing HSBC Canada. As a result, HSBC products will be discontinued shortly. Please refer to the  best credit cards in Canada  for alternatives.

Are you looking for a credit card that will bring you one step closer to your next vacation?

Every purchase made with the HSBC World Elite ® Mastercard ® helps you earn points toward travel. The card is especially beneficial for those already travelling frequently with triple the points earned on travel-related purchases, including flights, hotels, Airbnbs, and more.

In this HSBC World Elite Mastercard review, we’ll break down all the information you need about rewards, eligibility, perks, and more.

The HSBC World Elite Mastercard is a premium credit card, best for those with high monthly spending habits. This card offers a variety of benefits and rewards for cardholders, especially those frequently on the go for business or pleasure.

Earn 6 points for every dollar spent on eligible travel purchases up to $50,000 annually. Includes (but is not limited to) purchases on:

• Car rentals
• Cruise lines
• Travel agencies

Earn 4 points for every dollar spent on gas, grocery, and drugstore purchases. All other purchases will earn 2 points per dollar.

Redeeming rewards on the HSBC World Elite Mastercard is easy. Log in to your online account and easily browse your reward options.

Cardholders can use points to book a trip through the HSBC travel portal, or redeem points for a credit against travel already booked on the card. The HSBC travel portal is where you can plan out your whole trip. You can search for flights, hotels, and rental cars, and use your points to pay for part or all of your trip. You can also book with your preferred vacation specialist and get reimbursed.

Another option available to HSBC World Elite Mastercard holders is to convert points to frequent flyer miles with Cathay Pacific, Singapore Airlines, and British Airways. Cardholders will need an account with the partner program to convert points to one of the partner programs points.

Cardholders can convert points into miles with these companies at the following ratios:

• Asia Miles – Cathay Pacific (25,000 HSBC reward points = 8,000 miles)
• Krisflyer – Singapore Airlines (25,000 HSBC reward points = 9,000 miles)
• Executive Club – British Airways (25,000 HSBC reward points = 10,000 miles)

Aside from travel rewards, cardholders have alternative options, such as gift cards, merchandise, and HSBC financial rewards.

Here’s how the HSBC financial rewards shake out:

• 25,000 points = $100 mortgage account credit
• $75 credit card account credit
• $75 savings account credit

To be eligible for the HSBC World Elite Mastercard, you must:

• Be the age of majority in your province or territory
• Be a Canadian citizen
• Have a personal annual income of $80,000 per year or $150,000 household
• Have a good to excellent credit score (670 – 749)
• Annual fee:  $149 (rebated for the primary cardholder for the first year)
• Foreign transaction fee: None
• Extra card fee:  $0
• Cash advance fee: $5

Interest rates

• Purchases : 20.99% (19.99% if you live in Quebec)
• Cash advances: 22.99% (21.99% if you live in Quebec)
• Balance transfers: 22.99%

The HSBC World Elite Mastercard comes with a host of other perks, including:

Elite benefits

The card offers a variety of elite benefits, such as access to Mastercard Dragonpass airport lounges, free access to WiFi from Boingo, and discounts on luxury hotel suites.

Annual travel enhancement credit

$100 redeemable toward select airline seat upgrades, airline baggage fees, and airport lounge passes.

The card offers a variety of insurance benefits, including emergency travel medical insurance up to $2 million, car rental insurance for accidents, theft and damage of items, mobile device insurance, hotel/motel burglary insurance, extended warranty, and purchase assurance for up to 90 days.

No foreign transaction fees

You’ll want to pack the HSBC World Elite Mastercard for your next vacation. Cardholders aren’t charged a foreign transaction fee when using the card abroad; only the exchange rate applies. HSBC removes the hassle of taking out cash on your next vacation and allows you to make purchases worldwide without that additional fee.

• Annual Rewards $310

Scotiabank Passport Visa Infinite

• Welcome Offer Up to 35,000 SCENE points
• Annual Fee $150
• Interest Rates Purchases: 20.99%, Cash Advances: 22.99%
• Recommended Credit 660-724

Scotiabank Gold American Express Card

• Welcome Offer Up to 40,000 Scene+ points
• Annual Rewards $700
• Annual Fee $120
• Minimum Income Required $12,000

The HSBC World Elite Mastercard is an excellent option for high-earning travellers. With no foreign transaction fee, those travelling for either business or leisure can rest assured they won’t be charged extra for purchases made abroad. The card earns fantastic rewards for travel expenses and has won many awards for being one of the best travel rewards credit cards.

If you’re not a frequent traveller with a high income, however, there are better options. The card has a high annual fee and high income requirements for eligibility.

Thomas Guenther is a freelance reporter based in southern Manitoba. Thomas earned his Masters in Journalism in 2016 from the University of British Columbia, and has worked several jobs in the writing and marketing field since.

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New safety measure for Android device

Beware of apps from sources other than your phone’s official app stores which may contain malware. From 26 Feb 2024, new safety measure in the Android version of the HSBC HK App will be launched to protect you from malware. Learn more .

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TravelSurance Coverage

Take me straight to.

• Section 1 – Personal Accident
• Section 2 – Medical and Other Expenses
• Section 3 – Emergency Assistance
• Section 4 – Overseas Hospital Cash
• Section 5 - Baggage and Personal Effects
• Section 6 – Delayed Baggage (over 6 hours)
• Section 7 – Personal Money/ Unauthorised Use of Credit Card and Travel Documents
• Section 8 - Personal Liability
• Section 9 – Travel Delay (over 6 hours) [(9A and/or 9B) OR 9C]
• Section 10 – Trip Cancellation and Trip Curtailment
• Section 11 – Missed Event
• Section 12 – Rental Vehicle Excess
• Section 13 - China Medical Card (Optional for MultiTrip TravelSurance only)

1. No benefit is payable for hospitalisation relating to pre-existing condition.

2. The medical expenses for Chinese medicine, bone-setting and acupuncture fees is limited to HKD100 per visit per day up to HKD1,000. 

Key policy exclusions 

• Riot, civil commotion, war, invasion, civil war and related perils 
• Suicide, self-inflicted injury, illegal acts, insanity, drugs-taking, alcoholism, venereal disease, AIDs.
• Any pre-existing conditions, including congenital conditions
• Childbirth, pregnancy, miscarriage
• Engaging in: - any sports or activities which are played in professional capacity or in competition involving prize money or reward of any kind - deep-water diving (that is diving to a depth of greater than 40 metres) - motor rallies - aviation other than as a fare-paying passenger
• Manual work or hazardous work (e.g. involve the use of mechanical and/or electrical equipment or handling of explosive or hazardous substances, etc.)
• Property more specifically insured 
• Claims where no written notification is given to AXA General Insurance Hong Kong Limited within 30 days after end of the trip

For a full list of exclusions and terms and conditions, please refer to our policy wordings .

End Notes 

General Insurance products are applicable to HSBC Account holders and HSBC credit card holders only.

The above information is intended as a general summary. Please refer to the policy wording for exact terms and conditions and details of the exclusions.

The above policy is underwritten by  AXA General Insurance Hong Kong Limited ("AXA"),  which is authorised and regulated by the Insurance Authority of the Hong Kong SAR. AXA will be responsible for providing your insurance coverage and handling claims under your policy. The Hongkong and Shanghai Banking Corporation Limited is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agent of AXA for distribution of general insurance products in the Hong Kong SAR. General insurance plans are products of AXA but not HSBC.

For monetary disputes arising between HSBC and you out of the selling process or processing of the related transaction by HSBC, HSBC will enter into a Financial Dispute Resolution Scheme process with you. On the other hand, for any disputes over the terms and conditions of your policy, AXA will resolve with you directly.

What you need to know about rental car reimbursement coverage

By AAA staff

May 30, 2024

If your car is damaged in an incident covered by insurance, there's a good chance you'll need to rent a vehicle to get around while your car is being repaired or replaced.

Renting a car can be costly, adding up to hundreds or even thousands of dollars depending on how long you need it for.

The good news? Auto insurance offers rental car reimbursement coverage specifically to take this financial burden off your shoulders. What exactly is rental car reimbursement coverage , how does it work, and what does it cover? Let's dive in.

What is rental car reimbursement coverage?

While coverage can vary from one policy or insurance company to the next, the basic idea is that you are compensated for the expense of renting a car when your personal vehicle is being repaired or replaced for a loss covered by your insurance. 

Most insurers require you to carry comprehensive and collision coverage before you can add rental car reimbursement coverage. If you already have those coverages, however, rental car reimbursement coverage is typically a small additional expense for added peace of mind and convenience if your vehicle is damaged in a covered incident. 

Many insurance companies allow you to arrange your rental directly through them, and this is usually the most convenient way to use your coverage, as your insurer can monitor and pay for the rental directly, up to the limits on your coverage. In some situations, you may need to pay for the rental out of your own pocket initially and submit receipts to your insurance company for reimbursement instead. 

What kind of car can you rent under this coverage?

Typically, rental car reimbursement coverage will come with limits on the daily rate of the rental car and the maximum number of days that are covered. For example, your insurer might cover a $40/day rental for up to 30 days. If you need or want a rental that costs more than that, you’ll pay the difference out of pocket. 

There isn't usually a limit on the type of car you can rent with rental reimbursement coverage so long as it falls within your daily limit. Some policies, however, may designate that the rental vehicle needs to be a similar make and/or model as the vehicle involved in the insurance claim. If you have questions about what's included with your rental car reimbursement coverage, be sure to consult with your insurance agent.

How long will your rental car expenses be covered?

Check your auto insurance policy paperwork to find out exactly how long your rental may be covered, as this can vary from one policy to the next. Some rental car reimbursement policies max out at 30 days, while others may include coverage for as long as it takes to repair or replace your car.  

What if another party is at fault?

The nice thing about rental car reimbursement coverage is that it can typically be used to cover the costs of a rental car following a covered claim no matter who is at fault, or if fault has not yet been determined.

If you don’t have rental car reimbursement coverage and another driver is determined to be at fault for the damage to your vehicle, you may be able to pursue reimbursement for your rental expenses directly from the at-fault driver's insurance.  

What's covered vs. what might not be covered?

The best way to find out exactly what's covered by your rental car reimbursement policy is to read your own policy paperwork and declarations carefully, being sure to reach out to your insurance agent with any questions or concerns you may have.

In general, however, rental reimbursement coverage is designed to cover the daily rate of a rental vehicle while your own car is unavailable because of a covered claim, such as a crash. That typically includes taxes and fees as long as they don’t exceed the daily limit on your coverage, but not refueling charges or the tax on refueling charges, or optional add-on insurance you might be offered by the rental car company.

Rental car reimbursement coverage isn’t designed to pay for costs related to renting a car for a vacation or leisure. Likewise, this coverage can’t be used if your vehicle is in the shop for routine maintenance or repairs unrelated to a covered claim.

Is rental car reimbursement coverage the same thing as rental car insurance?

It’s easy to confuse rental car reimbursement coverage with the add-on rental car insurance that car rental companies offer when you rent a car, such as collision damage waivers and excess liability insurance. These are separate types of coverage:

• Rental car reimbursement is a coverage you can elect to carry on your own auto insurance policy in case you need to rent a car while getting your own car fixed or replaced.
• Add-on rental car insurance refers to 4 types of optional coverage you can accept or turn down when you rent a car: collision damage waiver, supplemental liability insurance, personal accident insurance, and personal effects coverage. If you opt for any of them, these short-term coverages only cover you in your rental car for the length of the rental. 

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