HSBC Advance Mastercard
Review the details of the HSBC Advance Mastercard, calculate how many HSBC Points you can earn based on spend, and compare against top rewards cards.
The HSBC Advance Mastercard is a solid card that earn bonus points on dining and entertainment purchases. The card features an introductory earning rate that will earn you 3x across both categories and 2x on non-category purchases on the first $25,000 in spend during the first 12 months the account is opened. Along with the good intro rates, you'll also receive special discounts, complimentary memberships, and more.
In order to obtain the HSBC Advance Mastercard, you must have an HSBC Advance or Premier checking account relationship. The requirements for these accounts are listed below. Without an Advance or Premier checking account, you will not be able to obtain most of HSBC's credit cards.
HSBC Advance Checking
- Maintain combined balances in U.S. Dollar personal deposits accounts and investment* balances of at least $5,000
- Maintain a recurring direct deposit from a third party to an HSBC Advance checking account once per calendar month
- Maintain an HSBC U.S. residential mortgage loan
HSBC Premier Checking
- Have at least $75,000 in total deposits and/or investments
- Have at least $5,000 in total direct deposits per month
- Maintain U.S. residential mortgage loan with an original loan amount of at least $500,000
The HSBC Advance Mastercard features two categories that earn bonus points. Those two categories are dining and entertainment purchases. During the first 12 months of having the card, you will earn an additional point per $1 spent on the first $25,000 in purchases made on the card as part of an introductory period. After you've hit the $25,000 threshold or 12 months have past since you've opened the card, the introductory bonus points will end and you will earn at the normal bonus multipliers.
There is no limit to the amount of bonus points you can earn at the non-introductory rate spending in both categories and no limit to the amount of points you can earn with the card in general.
The HSBC Advance Mastercard earns 2 HSBC Points per $1 spent on dining purchases with the ability to earn up to a total of 3 HSBC Points per $1 during the introductory period. Dining purchases count as fast food, sit-down restaurants, fine dining establishments, and some food delivery services depending on how they code.
The HSBC Advance Mastercard earns 2 HSBC Points per $1 spent on entertainment purchases with the ability to earn up to a total of 3 HSBC Points per $1 spent during the introductory period. Entertainment purchases include amusement parks, movie theaters, bowling alleys, zoos, and other ticket-type events.
The HSBC Advance Mastercard earns 1 HSBC Points per $1 on all non-category purchases with the chance to earn up to a total of 2 HSBC Points per $1 spent during the introductory period. Earning 1 HSBC Point per $1 spent is a little on the low side, but if you're in the market for earning HSBC Points, this is the best you'll get. You'll benefit the most from non-category purchases made during the introductory period.
Perks and Benefits
The HSBC Advance Mastercard features a good amount of benefits (mostly offered by Mastercard) that consists of discounts, complimentary membership, and travel perks. The benefits found on this card are the same as those found on HSBC's other credit cards such as the HSBC Cash Rewards Mastercard.
You will receive a 10% discount on bookings made at onefinestay properties. These properties are a collection of high-end rental properties in big cities such as New York, Los Angeles, London, and Paris.
You'll receive protection protection for physical damage and theft to most rental vehicles with the MasterRental Coverage provided by the HSBC Advance Mastercard. This can be a useful benefit if you're looking a little bit more protection when renting cars.
MasterCard Travel & Lifestyle Services
The HSBC Advance Mastercard will grant you access to Mastercard Travel & Lifestyle Services. This benefit offers luxury travel perks, amenities, and upgrades at some travel destinations. These services can be accessed through phone, email, and online platforms.
Mastercard Airport Concierge
If you want personal treatment at the airport, the HSBC Advance Mastercard offers 15% off Airport Meet and Greet services. This gives you a dedicated Meet and Greet agent to escort you through the airport on departures, arrivals, or connecting flights.
You'll receive complimentary ShopRunner Membership as a HSBC Advance Mastercard member. This gives you free 2-day shipping and free return shipping at more than 140 online stores which makes it a great benefit for those who shop online.
You'll receive $5 off Postmates orders of $25 or more for delivery of food, drinks, and groceries with your HSBC Advance Mastercard. This does not include taxes, delivery fees, and tips.
The HSBC Advance Mastercard grants you discounted access to select golf courses, complimentary grounds passed for PGA Tournaments, and Priceless Lessons with PGA Tour professionals.
Cellular Wireless Telephone Protection
When you use your HSBC Advance Mastercard to pay for your cellular phone, you will be able to receive reimbursements up to $600 per claim if your cellphone is stolen or damaged.
Sign Up Bonus
The standard sign up bonus for the HSBC Advance Mastercard is the extra 1 HSBC Point per $1 spent on the first $25,000 in purchases made during the first 12 months from account opening. The card also offers a 0% introductory APR on purchases and balance transfers for the first 12 months from account opening.
Credit Card Fees
|Authorized User Fee|
|Foreign Transaction Fee|
The HSBC Advance Mastercard has a $0 annual fee for Advance and Premier clients which means while you're always earn a positive return on your card spend.
If you're no longer an Advance or Premier client, the card will cost $45 annually. In my opinion, the card will not be worth it at that point as there's plenty of no-annual fee cards that earn similar or better rates than the HSBC Advance Mastercard.
Authorized User Fee
The HSBC Advance Mastercard does not have an authorized user fee. I recommend adding family and friends if they spend across any of the categories featured on the card.
Foreign Transaction Fee
The HSBC Advance Mastercard does not have a foreign transaction fee. This means you can earn HSBC Points internationally without worrying about being penalized.
You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.
All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.
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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.
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