HSBC Advance Mastercard | Review & HSBC Points Calculator

HSBC Advance Mastercard

Card Review & HSBC Points Calculator
3x-2x Dining & Entertainment
10% Off onefinestay
ShopRunner Membership
Postmates Discount
Golf Benefits
Mastercard Benefits

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
Must meet at least one requirement.

  • 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
Must meet at least one requirement.

  • 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

Bonus Categories

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.

3x-2x Dining

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.

3x-2x Entertainment

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.

2x-1x Non-Category

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.

onefinestay Discount

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.

MasterRental Coverage

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.

Shoprunner Membership

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.

Postmates Discount

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.

Priceless Golf

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

Fees
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual 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.

and Card Value Calculator

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.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
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Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
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This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
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Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
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Options
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
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Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
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Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
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Learn how you can use cash back portals to earn hundreds in cash back every year booking travel and shopping online. Easily double and triple dip on rewards when you combine cash back portals, loyalty programs, and rewards credit cards.
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Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
$0
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
$0
Edit Fees
Edit the annual fee and authorized user fee of this card (if applicable).
Annual Fee:
Auth Fee:
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Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
$0
Total Return
The percent you are earning per dollar spent on this card.

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Page Last Updated: 2020-03-24
Written By: Robert Flowers III

Editorial Note: All opinions expressed on this site are my own and not those of any bank, rental car company, credit card issuer, hotel company, or any entity mentioned herein. Opinions, calculators, and other editorial content on this page have not been approved or endorsed by any entities on this site. You can read our Private Policy to learn more.

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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.


The Point Calculator is owned by RF3 LLC. This site is informational and meant to provide help in calculating points with various programs. The owner of this site is not a legal or tax professional and the statements and articles on this site are opinion of the owner and should not be relied upon for individual circumstances.

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