HSBC Premier World Elite Mastercard Calculator

Card Details & 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
    • Travel purchases are considered to be:
      • Airlines
      • Hotels
      • Car Rentals
      • Transit
      • Other Travel-like Charges
  • 2x Dining
    • Some food delivery services will also trigger this category.
  • 1x Non-Category

HSBC Points earned on the HSBC Premier World Elite Mastercard are worth as much as 1.5 cents each when redeemed for airfare. That makes these some strong earning categories for both travel and dining.

Perks & 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
    • Eligible charges include tickets, seat upgrades, baggage fees, and in-flight purchases.
  • Annual $100 Uber/Lyft Credit
  • Lounge Key
    • Two free lounge visits per calendar year to over 1,000 airport lounge worldwide.
    • $32 per visit after passes are used.
    • Membership also grants 15% discount at hundreds of airport retailers.
  • Boingo Wi-Fi Access
  • Global Entry/TSA PreCheck Credit
  • 10% Off Select Hotel Portals
  • 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.
  • World Elite Concierge Services
    • 24/7 concierge service for help with travel planning, dining reservations, sporting events, and ticket reservations.
  • 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.
  • Fandango Benefit
    • $5 in Fandango Rewards for every 2 movie tickets purchased.
  • Boxed Benefits
    • $5 in Boxed Cash Rewards on purchases made on
  • Cellular Wireless Telephone Protection
    • Up to $600 per claim.
  • Travel Insurance & Coverage
    • Trip Cancellation Insurance
    • Travel Accident Insurance
    • Hotel & Motel Burglary Insurance
    • Lost Luggage Insurance
    • Baggage Delay Insurance

Sign Up Bonus (SUB)

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.


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.

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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Family Cards
These cards are part of the same family.
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These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
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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 ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) 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
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.
Calculator Continues Below
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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