HSBC Premier World Elite Mastercard | HSBC Point Calculator

HSBC Premier World Elite Mastercard

Card Review & HSBC Points Calculator
3x Travel
2x Dining
$100 Annual Air Travel Credit
Annual $100 Uber/Lyft Credits
Boxed Cash Rewards
Fandango Rewards
Lounge Key Membership
World Elite Concierge Service
Global Entry/TSA PreCheck
Travel Coverage
Hotel Discounts
Boingo Wi-Fi
ShopRunner Membership
Postmates Discount
Golf Benefits
Mastercard Benefits

Review the benefits of the HSBC Premier World Elite Mastercard, calculate how many HSBC Points you can earn based on spend, and compare against top cards.

The HSBC Premier World Elite Mastercard is HSBC's premium credit card. It has a high annual fee, but offers bonus points on travel and dining purchases, $200 in annual travel credits, a high sign up bonus, and a lot more luxury travel benefits. If you're already rocking with HSBC, enjoy earning HSBC Points, and you're looking for a premium card, the HSBC Premier World Elite Mastercard isn't a bad option.

Bonus Categories

The HSBC Premier World Elite Mastercard features two bonus categories which are travel and dining purchases. There's no cap to the amount of bonus points you can earn spending in either category and no limit to the amount of points you can earn with the card overall.

3x Travel

Using the HSBC Premier World Elite Mastercard to pay for travel will earn you 3 HSBC Points per $1 spent. Travel purchases include airline, hotels, car rentals, transportation, and much more. With points being worth 1.5 cents each for airfare, you're looking at a nice 4.5% return.

2x Dining

When you use the HSBC Premier World Elite Mastercard to pay for dining, you will earn 2 HSBC Points per $1 spent. Dining includes fast food, fine dining establishments, and some food delivery services. At a rate of 1.5 cents per point, you're looking at a 3% return on dining which isn't bad.

1x Non-Category

The HSBC Premier World Elite Mastercard earns 1 HSBC Point on all non-category purchases. If you plan on redeeming your points for airfare, then you're looking at a 1.5% return which isn't bad at all. If you're redeeming points at 1 cent or lower, you'll want to go for a flat rate 1.5% cash back credit card or even a 2%+ cash back credit card.

Perks and Benefits

The HSBC Premier World Elite Mastercard offers $200 in annual credits, lounge access, discounts, and lots of other elite travel benefits.

$100 Annual Air Credit

Every year you will receive up to $100 in statement credits as reimbursement for travel purchases charged to the HSBC Premier World Elite Mastercard such as tickets, seat upgrades, baggage fees, and in-flight purchases.

Lounge Key

As a HSBC Premier World Elite Mastercard member, you will receive complimentary membership to over 1,000 airport lounges worldwide with Lounge Key. You'll get two free lounge visits per year and can pay $32 per person for additional visits. Lounge Key also grants a 15% discount at hundreds of airport retailers which includes duty free shops, restaurants, and spas.

Global Entry/TSA PreCheck

The HSBC Premier World Elite Mastercard offers up to a $100 statement credit as reimbursement for either a Global Entry or TSA PreCheck application. Both programs are great for those who travel frequently. TSA PreCheck comes with Global Entry, so I recommend going for Global Entry if you can and plan on traveling internationally in the future.

MasterRental Coverage

With the HSBC Premier World Elite Mastercard, you will receive protection for physical damage and theft to most rental vehicles. This is a nice benefit for anyone looking for a little bit more protection on their rental.

MasterCard Travel & Lifestyle Services

The HSBC Premier World Elite 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

You can enjoy a 15% discount on Airport Meet and Greet services with your HSBC Premier World Elite Mastercard. This gives you a dedicated Meet and Greet agent to escort you through the airport on departures, arrivals, or connecting flights.

World Elite Concierge Services

With the HSBC Premier World Elite Mastercard, you'll have access to Mastercard's World Elite Concierge Service which is complimentary, 24/7 concierge service. With this service you'll be able to receive help for various tasks including travel planning, dining reservations, sporting events, and ticket reservations.

Hotel Savings

When booking with Expedia, Agoda, or onefinestay, you will receive a 10% discount as a HSBC Premier World Elite Mastercard member.

Boingo Wi-Fi Access

As an HSBC Premier World Elite Mastercard member, you will be able to enjoy complimentary unlimited premium Wi-Fi at over a million hotspots worldwide with Boingo. You can connect up to four devices simultaneously.

Book travel with Agoda and receive 10% off.


You will receive complimentary ShopRunner members which gives you unlimited, free 2-day shipping and free return shipping at over 140 online stores. This is a great benefit for anyone that shops at online retailers. You complimentary membership isn't tied directly to your card, so you don't have to use the HSBC Premier World Elite Mastercard to pay for your online purchases.

Annual $100 Uber/Lyft Credit

Every year, you will receive up to $100 in statement credits towards rides with Uber and Lyft when you pay with the HSBC Premier World Elite Mastercard.


Get $5 off on orders of $25 or more when you use the HSBC Premier World Elite Mastercard to pay for your Postmates food, drinks, or grocery delivery.

Priceless Golf & Cities

The HSBC Premier World Elite Mastercard grants you discounted access to select golf courses, complimentary grounds passed for PGA Tournaments, and Priceless Lessons with PGA Tour professionals.

Priceless Cities offers you the ability to engage in exclusive events in the cities you live, shop, and travel in.


HSBC Premier World Elite Mastercard members will receive $5 in Fandango Rewards for every 2 movie tickets purchased.


You'll receive 5% Boxed cash rewards on eligible purchases made on Boxed cash rewards can be applied to future purchases for discounts.

Cell Phone Protection

The HSBC Premier World Elite Mastercard provides reimbursements up to $600 per claim if your cellphone is stolen. This is great benefit for anyone who wants to add a little bit of extra protection to their phone.

Travel Coverage

The HSBC Premier World Mastercard comes with a nice handful of useful travel insurance and protections. They include:

  • Trip Cancellation Insurance
  • Travel Accident Insurance ($1 million)
  • Hotel & Motel Burglary Insurance ($1.5k per claim)
  • Lost Luggage Insurance ($1.5k per claim)
  • Baggage Delay Insurance ($250 per claim)

Sign Up Bonus

The standard sign up bonus for the HSBC Premier World Elite Mastercard is 50,000 points after spending $4,000 in the first 3 months of account opening. This sign up bonus is worth $750 in value when redeemed for airfare at 1.5 cents each. Points can also be transferred to a handful of travel partners at a 1:1 ratio.

Credit Card Fees

Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

The HSBC Premier World Elite Mastercard has an annual fee of $395 per year. The card offers $200 in annual credits which brings the actual fee down to $195. While the card is not bad, it can be hard to squeeze $195 in value out of the remaining benefits. It depends on how much you value the cards travel coverage/insurance, Lounge Key access, and Global Entry/TSA PreCheck application.

Authorized User Fee

Adding authorized users to the HSBC Premier World Elite Mastercard will cost you $65 per user. Authorized users will have to run some heavy spend through the card in order to make up for that steep fee.

Foreign Transaction Fee

The HSBC Premier World Elite Mastercard has a 0% foreign transaction fee which makes it a great option for international spending and travel.

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.

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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.
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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 ($0.001).
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Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
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Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
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All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
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Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
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This will clear the spend in all of the categories in both columns. This will also clear all saved values.
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Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
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
Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
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.
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
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Grand Total
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Total Card Value
The value of the card when everything is taken into account.
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

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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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