HSBC Premier World Mastercard | HSBC Points Calculator

HSBC Premier World Mastercard

Card Review & HSBC Points Calculator
2x Travel
TSA PreCheck
Annual Uber/Lyft Credits
Travel Coverage
Hotel Discounts
Boingo Wi-Fi
ShopRunner Membership
Postmates Discount
Golf Benefits
Mastercard Benefits

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

The HSBC Premier World Mastercard is a no-annual fee travel card available to HSBC Premier clients. This card earns 2x points on travel purchases and offers a TSA PreCheck credit, annual rideshare credits, and good travel coverage. The card also has no foreign transaction fee which makes it a decent card for international travel. You can pair it with the HSBC Advance Mastercard or HSBC Cash Rewards Mastercard to have a great fee-less card combo.

In order to obtain the HSBC Premier World Mastercard, you must be have a HSBC Premier Checking account.

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

If you close your HSBC Premier Checking or you downgrade to an HSBC Advance Checking account, you can still hold onto the HSBC Premier World Mastercard, but it will cost you an annual fee.

Bonus Categories

The HSBC Premier World Mastercard features one bonus categories which is travel purchases. There's no limit to the amount of bonus points you can earn spending in the travel category and there's no limit to the amount of points you can earn with the card overall.

2x Travel

The HSBC Premier World Mastercard earns 2 HSBC Points per $1 spent on travel. Travel includes airlines, hotels, car rentals, transit, and much more. This is the only HSBC card with no annual fee that earns on travel purchases. You can pick up the HSBC Premier World Elite Mastercard to earn a higher return on travel and many more benefits.

1x Non-Category

All non-travel purchases made on the HSBC World Elite Mastercard will earn you 1 HSBC Point per $1 spent. This is a relatively low return, but can be worth it depending on how much value you get out of HSBC Points. If you can't get more than a 1 cent per point return, I recommend running non-category spend through a 1.5% cash back or higher credit card.

Perks and Benefits

The HSBC Premier World Mastercard features a few additional benefits over the HSBC Advance Mastercard that can help those who travel even more. This includes global WiFi access, TSA PreCheck, discounts on bookings, annual credits, and other savings.

Boingo Wi-Fi Access

As an HSBC Premier World 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.

$85 TSA PreCheck Credit

When you use the HSBC Premier World Mastercard to pay for your TSA PreCheck application, you will receive an $85 statement credit as reimbursement for the fee. This credit is available every five years which is how long TSA PreCheck lasts.

Hotel Savings

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

MasterRental Coverage

As a HSBC Premier World Mastercard member, you'll receive protection for physical damage and theft to most rental vehicles with the MasterRental Coverage. This can be a useful benefit if you're looking a little bit more protection when renting cars.

MasterCard Travel & Lifestyle Services

The HSBC Premier World 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'll be able to enjoy 15% off Airport Meet and Greet services with your HSBC Premier World Mastercard. This gives you a dedicated Meet and Greet agent to escort you through the airport on departures, arrivals, or connecting flights.


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 online.

Annual $50 Uber/Lyft Credit

Every year, you will receive up to $50 in statement credits towards rides with Uber and Lyft when you pay with the HSBC Premier World Mastercard.


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

Priceless Golf & Cities

The HSBC Premier World 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.

Cell Phone Protection

The HSBC Premier World 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 Mastercard is 35,000 points after you spend $3,000 in the first 3 months from account opening. HSBC has this pegged at a value of at least $400 in air travel. Most other redemptions will give you 1 cent and lower.

Credit Card Fees

Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

The HSBC Premier World Mastercard has a $0 annual fee for HSBC Premier clients which is great considering that the card offers a good amount of useful benefits as well as an annual credit.

HSBC members who no longer has an eligible HSBC Premier checking account will have to pay a $95 annual fee. The $50 in annual credits bring down the true fee to $45 which isn't bad if you don't have TSA PreCheck, but you can generally find a better cards without the fees.

Authorized User Fee

The HSBC Premier World Mastercard has a $0 authorized user fee. I recommend adding family and friends if you want to earn some additional HSBC Points on travel spend.

Foreign Transaction Fee

The HSBC Premier World Mastercard has a 0% Foreign Transaction Fee which makes it a decent option for those looking to earn HSBC Points on international travel. Depending on how much you spend on travel, you may want to consider the HSBC Premier World Elite Mastercard.

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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View Rewards As...
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 ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
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Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
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Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
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Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
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Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) 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).
Edit Fees
Edit the annual fee and authorized user fee of this card (if applicable).
Annual Fee:
Auth Fee:
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.
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.

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