HSBC Advance Mastercard Calculator

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.
Updated 2020-06-16 By Robert Flowers III

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.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Qualifications

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

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.

Rewards Calculator

You can use the 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 the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

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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These are similar cards based on earning structure and other benefits (that aren't part of the same family).
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Category Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Categories
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Options
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
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/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all rewards earned from Category Spending and Reward Bonuses, along with the cash value of it all based on Currency Worth.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of Total Earnings based on Currency Worth.
$0

Rakuten Rewards

$25 Bonus
Earn $25 or 2,500 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $25+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
Sign Up For Free | Rakuten Review
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User 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 based on spend, benefits, and fees.
$0
Total Return
The percent you are earning based on spend, earnings, and fees.

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