Are you considering the HSBC Elite Credit Card? Before you apply for the card, you'll want to learn some key facts about the offer and how it compares to others on the market.
In reviewing the card, our staff rated it a 4.6 out of 5.0.
This is a nice-looking metal card that will certainly earn you some looks when you hand it over to pay. You'll get lots of travel benefits and statement credits to help cover the annual fee and ongoing discounts with travel partners.
Here's a rundown of the key features, rates, and terms of the HSBC Elite Credit Card:
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BEST OVERALL RATING
★★★★★
4.6
- Earn 50,000 Rewards Bonus Points worth $750 in airfare – when booked online through HSBC Travel – after spending $4,000 in the first 3 months of account opening
- You’ll earn 3X Rewards Points on new travel purchases – including airline, hotels, and car rentals -- 2X Points on new dining purchases, and 1X Points on all other purchases
- Receive up to $400 in travel credits per year for all airfare, hotels, and car rentals booked through HSBC Travel
- You and one guest enjoy complimentary, unlimited access to 1,000+ airport lounges provided by LoungeKey™
- Take 3 rides per month and receive a $5 Lyft App credit
- An exclusive Luxury Thank You Gift when you reach $50,000, $75,000, and $100,000 in cumulative spend annually. Up to 3 Luxury gifts per year.
- $395 Annual Fee
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N/A
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N/A
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19.49% - 23.49% (Variable)
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$395
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Excellent
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There's certainly a lot to like about the HSBC Elite Credit Card. Let's dive deeper into the card's rates and fees, as they could make or break whether owning the HSBC Elite Credit Card is right for you.
According to the issuer, the HSBC Elite Credit Card currently charges the following interest rates on purchases and balance transfers:
- Purchase Intro: N/A
- Balance Transfer Intro: N/A
- Regular APR: 19.49% - 23.49% (Variable)
Here's the annual fee for the HSBC Elite Credit Card as listed by the issuer:
See site for details »
According to the issuer, the current general credit history requirement for the HSBC Elite Credit Card is:
If you feel you have the credit needed for approval and you're ready to apply, you can do so online on the issuer's secure website.
Keep in mind that rates and features may change, so if you like what the HSBC Elite Credit Card is offering today, you may want to apply now to lock it in current terms before it's too late.
Below are all the ratings our team gives the HSBC Elite Credit Card, along with the card's ranking within each category. To see how it compares to other cards, simply click on the category name:
All told, our team's review of the HSBC Elite Credit Card resulted in a rating of 4.6 out of 5.0, as the card features many pros and cons for a potential cardholder to consider. Ultimately, it's up to you to determine if the card's benefits outweigh its possible drawbacks.
If you're ready to apply for the HSBC Elite Credit Card, here is the link the issuer's official application:
Are you ready to apply for the HSBC Elite Credit Card offer? Be sure to read up on all of its terms and details first, then apply via the provider’s secure website:
If you’d like to keep researching, you may want to try one of our popular guides to the top offers available. We break down a variety of offers, including many similar to HSBC Elite Credit Card:
Whether you decide on HSBC Elite Credit Card or another option, be sure to make all your payments on time and keep your balance below the credit limit.
Toby is the founder of CardRates.com and lends his 20 years of experience in the credit card industry to educate consumers. His commentary and reviews have been featured to millions on Yahoo! Finance, CreditCards.com, Entrepreneur.com, and others. Toby's industry connections enable him to keep audiences informed with timely advice and insight.
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