Card details · HSBC
HSBC Premier credit card review: fees, rewards and APR
The HSBC Premier credit card is a credit card from HSBC with a $95 annual fee. By our overall score it ranks #70 of the 300 credit cards we rank (store-only cards excluded). It is listed in our gas, grocery, travel and cash back rankings.
Key facts
- Issuer
- HSBC
- Network
- Mastercard
- Annual fee
- $95
- Welcome offer
- Earn 60,000 Welcome Bonus Points, worth up to $625 in travel when booked through HSBC Travel, after spending $4,000 in the first 3 months of opening your card.
- Foreign transaction fee
- None
- Our overall score
- 57 (#70 of 300 cards)
Sign-up bonus history
Below the highest offer we’ve tracked (60,000 points)
- Current offer
- 60,000 points
Earn 60,000 Welcome Bonus Points, worth up to $625 in travel when booked through HSBC Travel, after spending $4,000 in the first 3 months of opening your card. - Highest tracked since April 2026
- 60,000 points
Earn 60,000 Welcome Bonus Points, worth up to $625 in travel when booked through HSBC Travel, after spending $4,000 in the first 3 months of opening your card. - Lowest tracked since April 2026
- 50,000 points
Earn 50,000 Welcome Bonus Points, worth up to $625 in travel when booked through HSBC Travel, after spending $4,000 in the first 3 months of opening your card. - Changes tracked
- 1
Show each tracked change
| Date | Headline amount | Offer as recorded |
|---|---|---|
| Apr 22, 2026 | 50,000 points | Earn 50,000 Welcome Bonus Points, worth up to $625 in travel when booked through HSBC Travel, after spending $4,000 in the first 3 months of opening your card. |
| Oct 3, 2026 | 60,000 points | Earn 60,000 Welcome Bonus Points, worth up to $625 in travel when booked through HSBC Travel, after spending $4,000 in the first 3 months of opening your 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
- 3X points on gas and groceries
- 2X on travel (flights hotels car rentals)
- 1X on all other purchases.
Benefits and notes
Up to $60 annual streaming subscription credits ($5/month); Up to $140 annual Instacart+ credit (2 free months plus $10 off second order each month); $5 monthly Lyft credit after 3 rides; $85 TSA PreCheck/Global Entry/CLEAR/NEXUS credit every 4.5 years; $79 annual ShopRunner membership
Where it ranks
- Overall: #70 of 300 cards (score 57)
- Gas cards: #25 of 43 by our gas score
- Grocery cards: #26 of 57 by our grocery score
- Travel cards: #30 of 47 by our travel score
- Cash back cards: #38 of 70 by our cash back 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 23, 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 Premier credit card?
$95, as stored in our database. Confirm the current fee on HSBC’s site.
Does the HSBC Premier credit card have a welcome bonus?
Our database lists this offer: Earn 60,000 Welcome Bonus Points, worth up to $625 in travel when booked through HSBC Travel, after spending $4,000 in the first 3 months of opening your card. Offers change often and terms apply.
Does the HSBC Premier credit card have a 0% intro APR?
Our database lists no intro APR offer for this card.
Does the HSBC Premier credit card charge foreign transaction fees?
Our database lists no foreign transaction fee for this card.
How does the HSBC Premier credit card rank on YourBestCards?
#70 of 300 cards by our overall score (57). In our category lists: #25 of 43 gas cards; #26 of 57 grocery cards; #30 of 47 travel cards; #38 of 70 cash back cards.
What is the highest HSBC Premier credit card sign-up bonus you have tracked?
Since April 2026, the highest headline amount we have tracked is 60,000 points and the lowest is 50,000 points, across 1 change. The current offer is 60,000 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.