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.
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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.
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