5×points per dollar
Travel
5× on travel, the issuer's published rate for the category.
What the HSBC Elite pays for.
Every perk, coverage and status this card carries, at the issuer's face value.
Browse all cards
Face value of perks
$720
4 credits across 3 categories
Annual fee
$495
Charged once a year
Top earn rate
5× points
Travel
Discovery begins here
What every dollar returns, by where you spend it. Two categories earn extra on this card; everything else earns the base rate.
2×points per dollar
Dining
2× on dining, the issuer's published rate for the category.
1×points per dollar
Everything else
The base rate on all other eligible purchases.
Multipliers are points per dollar, before any transfer or redemption value.
Everything that can be found
Every perk this card carries, grouped by what it pays for, at the issuer's published face value. What you actually keep depends on whether you use them.
Travel
$400 · 1 perk
HSBC Travel credit
$400For airfares, hotels and car rentals booked through HSBC Travel (official terms)
Transit
$180 · 2 perks
Rideshare statement credit
$10/moUse Elite credit card to pay for rideshare; up to $120 annually (official terms)
Lyft App credit
$5/moTake 3 rides per month (official terms)
Access
$140 · 1 perk
Instacart+ credit
$140Up to $140 annually; new members receive 3 free months of Instacart+ and $10 off their second order each month (official terms)
4 credits, $720 at face value. Figures come from our card database, checked against the issuer's terms. Report a mismatch
See what it would really cost you
Face value is the issuer's best case. Pick the credits you'd use and Which Card works out your effective annual fee, against any other card.
Coverages
Protections that come with the card and cost nothing extra. They have real value and no published price, so they are never counted into the figures above.
Travel & emergency assistance
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
ID theft protection
Mastercard ID Theft Protection™ and Identity Fraud Expense Reimbursement provide support and expense reimbursement if your identity is compromised through identity fraud
Elite status
Access and standing granted by holding the card. Some need a one-time sign-up with the issuer before they are live on your account.
Airport lounge access
Elevate your airport experience with complimentary and unlimited lounge access for the cardholder and up to 2 guests worth more than $469 annually with Priority Pass
Global Entry / TSA PreCheck credit
Speed up airport screening with up to $120 towards Global Entry, TSA Precheck, TSA Precheck by Clear, or NEXUS once every 4.5 years
Concierge service
Complimentary 24/7 concierge agent for lifestyle needs, travel bookings and event access.
Cellular Wireless Telephone Protection
Claim up to $800 if your cellphone is stolen or damaged using Cellular Wireless Telephone Protection
Mastercard Golf
Get exclusive PGA TOUR® experiences and access amazing golf benefits with our Golf Concierge Service.
Protection wherever you shop
With Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Start earning immediately
We'll build your wallet dashboard instantly, with every reset deadline and a note on any credit that needs a sign-up first, so you can begin earning from day one.
