The Ultimate Guide to Credit Cards
Monday, February 6, 2023

HSBC Elite Credit Card

► 2023 Review, Application & Rates

"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."
- Toby Sembower,
Advertiser Disclosure
HSBC Elite Credit Card Review

at the issuer'ssecure website





  • 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
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
16.49% - 20.49% (Variable)

Interest Rate

Annual Fee

Credit Needed

Our Ratings By Category

Excellent Credit
(Ranked #28 out of 63)
Points & Gifts
(Ranked #16 out of 34)
(Ranked #14 out of 42)

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