HSBC Advance Mastercard Calculator

Card Details & 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 which is dining and entertainment. You'll earn an additional 1 HSBC Point for every $1 spent on the card during the introductory period which is when you hit $25,000 in spend or 12-months have passed since you obtained the card, whichever is sooner.

  • 2x Dining
    • +1 for a total of 3x during the introductory period ($25k spend or 12 months passed).
    • Some food delivery services will also trigger this category.
  • 2x Entertainment
    • +1 for a total of 3x during the introductory period ($25k spend or 12 months passed).
    • Entertainment includes:
      • Amusement Parks
      • Movie Theaters
      • Bowling Alley
      • Zoos
      • Other Ticket-Type Events
  • 1x Non-Category
    • +1 for a total of 2x during the introductory period ($25k spend or 12 months passed).
    • Some food delivery services will also trigger this category.

Perks & Benefits

The HSBC Advance Mastercard features a good amount of benefits (mostly offered by Mastercard) that consists of discounts, complimentary membership, and travel perks.

  • 10% onefinestay Discount
    • High-end rental properties in big cities such as New York, Los Angeles, London, and Paris.
  • MasterRental Coverage
    • Covers physical damage and theft to most rental vehicles.
  • MasterCard Travel & Lifestyle Services
    • Offers luxury travel perks, amenities, and upgrades at some travel destinations.
  • Mastercard Airport Concierge
    • 15% off meet and greet services; agent escorts you through the airport on departures, arrivals, or connecting flights.
  • Shoprunner Membership
    • Free 2-day shipping and free return shipping at more than 140 online stores.
  • Postmates Discount
    • $5 off orders of $25 or more for delivery of food, drinks, and groceries.
    • Does not include taxes, delivery fees, and tips.
  • Priceless Golf
    • Discounted access to select golf courses.
    • Complimentary grounds passes for PGA Tournaments.
    • Priceless Lessons with PGA Tour professionals.
  • Cellular Wireless Telephone Protection
    • Up to $600 per claim.

Sign Up Bonus (SUB)

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.

Fees

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.
View Rewards As...
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 ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Options
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
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
0
Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
$0
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:
$0
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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