Card details · HSBC
HSBC Elite credit card review: fees, rewards and APR
The HSBC Elite credit card is a credit card from HSBC with a $495 annual fee. By our overall score it ranks #98 of the 294 credit cards we rank (store-only cards excluded). It is listed in our travel and dining rankings.
Key facts
- Issuer
- HSBC
- Network
- Mastercard
- Annual fee
- $495
- Welcome offer
- Earn 75,000 Welcome Bonus Points, worth up to $900 in travel, when booked through HSBC Travel, after spending $4,000 in the first 3 months of opening the card.
- Foreign transaction fee
- None
- Our overall score
- 55 (#98 of 294 cards)
Sign-up bonus history
Below the highest offer we’ve tracked (75,000 points)
- Current offer
- 75,000 points
Earn 75,000 Welcome Bonus Points, worth up to $900 in travel, when booked through HSBC Travel, after spending $4,000 in the first 3 months of opening the card. - Highest tracked since April 2026
- 75,000 points
Earn 75,000 Welcome Bonus Points, worth up to $900 in travel, when booked through HSBC Travel, after spending $4,000 in the first 3 months of opening the card. - Lowest tracked since April 2026
- 60,000 points
Earn 60,000 Welcome Bonus Points, worth up to $900 in travel, when booked through HSBC Travel, after spending $4,000 in the first 3 months of opening the card. - Changes tracked
- 1
Show each tracked change
| Date | Headline amount | Offer as recorded |
|---|---|---|
| Apr 22, 2026 | 60,000 points | Earn 60,000 Welcome Bonus Points, worth up to $900 in travel, when booked through HSBC Travel, after spending $4,000 in the first 3 months of opening the card. |
| Oct 3, 2026 | 75,000 points | Earn 75,000 Welcome Bonus Points, worth up to $900 in travel, when booked through HSBC Travel, after spending $4,000 in the first 3 months of opening the card. |
We compare each offer’s headline bonus amount and track it since April 2026 (earlier history is not covered). Spend requirements and time windows may have changed too. Past offers don’t predict future ones. Methodology.
Rewards
- 5X points on travel purchases (flights hotels car rentals)
- 2X on dining/restaurants
- 1X on all other purchases.
Benefits and notes
Up to $120 in statement credits annually on taxis, cabs and rideshare; Up to $140 annually with Instacart+; Take 3 rides, and get a $5 Lyft App credit every month; Up to $400 of travel credits per year for all airfares, hotels and car rentals booked through HSBC Travel; Up to $120 towards Global Entry, TSA Precheck, TSA Precheck by Clear, or NEXUS once every 4.5 years; Complimentary and unlimited lounge access worth more than $469 annually with Priority Pass
Where it ranks
- Overall: #98 of 294 cards (score 55)
- Travel cards: #6 of 47 by our travel score
- Dining cards: #60 of 67 by our dining score
Category positions use the score each category ranking is built on, among the non-store cards tagged with that category in our database; a category page can show fewer cards (for example after filters), so its on-page position can differ slightly.
How we put this page together
Everything on this page comes from our card database (checked against HSBC’s own site) as of October 21, 2026: fees, APRs, rewards and the welcome offer are shown as stored, without our own estimates. The score is our overall card score, explained in our methodology. We don’t publish star ratings or user reviews. Terms apply; confirm current terms with the issuer before applying.
Frequently asked questions
What is the annual fee on the HSBC Elite credit card?
$495, as stored in our database. Confirm the current fee on HSBC’s site.
Does the HSBC Elite credit card have a welcome bonus?
Our database lists this offer: Earn 75,000 Welcome Bonus Points, worth up to $900 in travel, when booked through HSBC Travel, after spending $4,000 in the first 3 months of opening the card. Offers change often and terms apply.
Does the HSBC Elite credit card have a 0% intro APR?
Our database lists no intro APR offer for this card.
Does the HSBC Elite credit card charge foreign transaction fees?
Our database lists no foreign transaction fee for this card.
How does the HSBC Elite credit card rank on YourBestCards?
#98 of 294 cards by our overall score (55). In our category lists: #6 of 47 travel cards; #60 of 67 dining cards.
What is the highest HSBC Elite credit card sign-up bonus you have tracked?
Since April 2026, the highest headline amount we have tracked is 75,000 points and the lowest is 60,000 points, across 1 change. The current offer is 75,000 points. This only covers the period we have tracked; terms apply.
Other top-scoring cards
- 8X points on Chase TravelSM purchases
- 4X on flights and hotels booked direct
- 3X on dining worldwide
- Annual fee
- $795
- Welcome offer
- Earn 100,000 points after you spend $6,000 in purchases in the first 3 months from account opening.
- 4X Membership Rewards points at U.S. supermarkets (up to $25,000/year)
- 4X at restaurants (up to $50,000/year)
- 3X on flights through American ExpressTravel
- Annual fee
- $325
- Welcome offer
- Earn up to 100,000 Membership Rewards Points after $8,000 spend in 6 months.
- 4X points on your top 2 eligible categories each month (advertising, electronics/software/cloud, gas, restaurants, transit, wireless), on the first $150,000 in combined purchases per year, then 1X. 3X on flights and prepaid hotels on AmexTravel.com. 1X on everything else.
- Annual fee
- $375
- Welcome offer
- AS HIGH AS 200,000 Membership Rewards® Points after you spend $15,000 in purchases on your new Card within the first 3 months of Card Membership. Welcome offers vary and you may not be eligible for an offer.
- 10x points per $1 spent on hotels, car rentals and attractions booked at cititravel.com
- 3x points on air travel and other hotel purchases
- 3x points at supermarkets, restaurants, gas & EV charging stations
- Annual fee
- $95
- Welcome offer
- Earn 60,000 bonus points spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
- 5X points on flights booked directly with airlines or through American Express Travel®, on up to $500,000 per calendar year
- 5X points booked at hotels on American Express Travel®
- 1X points on other purchases
- Annual fee
- $895
- Welcome offer
- As high as 175,000 Membership Rewards® points after you spend $12,000 in purchases on your new Card within the first 6 months of Card Membership.
Offers, fees and APRs are shown as stored in our database and can change at any time; terms apply. Always confirm current terms on the issuer’s site before applying. Not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure.