HSBC Elite Credit Card

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The HSBC Elite Credit Card is a premium travel credit card that offers a great return on travel and dining purchases and provides a long list of elite travel benefits including an annual $100 in air credit, annual $100 Uber/Lyft credit, Lounge Key passes, Boingo Wi-Fi access, and much more. If you enjoy banking with HSBC and you're in the market for a premium travel card, this card would be a nice addition to your wallet.

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Rewards Rates

Earn 3 points per $1 spent on travel purchases.

Earn 2 points per $1 spent on dining purchases.

Earn 1 point per $1 spent on all other purchases

Key Cardholder Benefits

Every year, you'll receive up to $400 in travel credits used towards all airfare, hotels, and car rentals booked through HSBC Travel. You'll receive an automatic $100 Travel Credit for every $2,000 in cumulative travel purchases charged to your HSBC Elite Credit Card through the portal.
As a HSBC Elite Credit Card holder, you and one guest will get complimentary, unlimited access to 1,000+ airport lounges provided by LoungeKey.
When you use the HSBC Elite Credit Card to pay for a Global Entry or TSA PreCheck Credit application fee, you'll receive a statement credit of up to $100 every 54 months as reimbursement.
As a HSBC Elite Credit Card holder, you'll be able to enjoy complimentary unlimited premium Wi-Fi at over a million secure hotspots worldwide with Boingo. You can get simultaneous access for up to four devices.
Every year that you reach $50,000, $75,000 and $100,000 in cumulative spend annually with the HSBC Elite Credit Card, you'll receive an exclusive Luxury Thank You Gift. Up to 3 Luxury gifts per year.
When you use the HSBC Elite Credit Card to pay for your full wireless bill, you'll receive reimbursements up to $800 per claim if your cellphone is stolen or damaged.
Be protected with trip cancellation insurance, baggage delay insurance, lost luggage insurance, and more.

Transfer Partners

Points earned with HSBC Elite Credit Card can be transferred to a small handful of airline partners at a rate of 1,000 HSBC points for 1,000 airline miles. This gives you the chance to get increased value out of your rewards.

Annual Fees

The HSBC Elite Credit Card has a $395 annual fee. The cost to add additional cardholders is $65 per user.

HSBC Points Calculator

Calculate how many HSBC Points you can earn with the HSBC Elite Credit Card per dollar spent and the cash value of those points. Results can be compared side by side any credit card featured on the site.

Any spend entered into the primary card column (the first column) will carry over to all credit card calculators on the site, so there's no need to re-enter spend when viewing other credit cards.

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Credit Cards

Use this section to add credit cards to the calculator. You can search for a card or go through our top recommendations for each category.

Once you select a card, you'll be shown the details of the card. Any link you click on in the details will open up in a new tab, so you will not lose your calculations.

Clicking on Add Selected Card will add it to the calculator.

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Add a credit card to compare side by side based on spend, benefits and fees.

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Family Cards

These cards are part of the same family and generally earn the same type of rewards.

Travel Cards

Travel credit cards are great for building rewards redeemable towards a wide variety of travel including airfare, hotels, car rentals, cruises, and more. Most travel cards also offer a range of benefits that can make your trips more enjoyable and save you money.

Cash Back Cards

Cash back is one of the most flexible form of rewards and most easy to understand. Rewards earned are worth face value and they can be used towards almost anything.

Business Cards

Put money back into your business by earning cash back, points, or miles on business expenses. Many cards also offer travel insurance, purchase protection, and more.

Airline Cards

These are the best credit cards if you're looking to use rewards towards award flights. Some of these cards also offer various benefits such as lounge access the ability to earn qualifying miles through spending.

Hotel Cards

If you're looking to use rewards towards free nights at hotels, these are the best cards for you. Many of these cards also offer great benefits such as annual free nights, complimentary elite status, and more.

No Annual Fee

If you're looking to minimize your immediate costs while still earning plenty of value, you may want to consider a credit card with no annual fee. Some of these cards also offer lower interest rates and balance transfer offers.

Intro Bonus:

Annual Fee:

Authorized User Fee:

Bonus Categories:

Add Categories - Adds any missing bonus categories from the selected card to the Category Spending section once added. Copy Spend - Copies spend values from the first column to the second/third column on card add.

Category Spending

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Calc Options

Use this section to enter how much you plan on spending either monthly or yearly across different categories for each card listed.

You can click on the option button for access to a lot of useful tools you can use to quickly adjust spending for the calculator.

Change the order of the categories in the Category Spending section. This has an impact on cards that have spend limits and bonus caps on categories.

Resets all fields in the Category Spending section for all columns. Also clears all saved spend values that carry from calculator to calculator.

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:

Spend Region:

Category Spending Total

The amount of rewards earned from card spending.

Rewards & Bonuses

If a card earns bonus points, miles, or cash back, it will be listed here. You'll be able to edit or toggle on/off most bonuses listed here.

Do note that some bonuses may be automatically calculated based on spend entered in the Category Spending section.

If you want to factor in an intro or welcome bonus, you can also do that here by entering it in the Extra Value field. You can click on View Offers when applicable to see current sign up bonuses for all top credit cards by category.

Extra Value

Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.

Extra Value

Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.

Extra Value

Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.

Rewards & Bonus Total

The amount of rewards earned from card bonuses.

Total Rewards & Cash Value

This is the total of all points, miles, and cash back earned between Loyalty & Memberships, Category Spending, and Rewards & Bonuses.

You can view the average value of the rewards based on popular redemptions and the transfer of rewards to partners (where applicable).

Rewards Average Value By Redemption

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Average Value

This is how much we value the rewards earned with the card on average based on our valuations. Cards that may offer bonus/additional value are reflected here.

Transfers To Partners

Redemptions to do with transferring rewards to partner loyalty programs and redeeming them for high value (when applicable). These redemption values typically require knowledge of the best transfer partners.

Cash Back, Statement Credits

Redemptions to do with turning your rewards into cash back or using it as a statement credit to offset purchases made to the card.

Travel

Redemptions to do with using your rewards towards travel such as airfare, hotels, and car rentals (not including transfers to partners).

Gift Cards

Redemptions to do with using your rewards towards the purchase of gift cards.

Reward Transfers To Partners

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Currency Worth

Enter how much you value a single rewards point or mile in cents or regional currency equivalent (X.XX). The value of cash back cannot be changed.

Rewards Cash Value

The average cash value of rewards earned in the Grand Total section based on the set Currency Worth.

Monetary Bonuses

This section lists all monetary bonuses. This includes annual credits and top-tier benefits that can offer great monetary value.

If there's a perk or benefit missing that you find valuable, you can add how much you value it in the Extra Cash Value field.

Extra Cash Value

Use this field to add additional cash value to the calculations.

Extra Cash Value

Use this field to add additional cash value to the calculations.

Extra Cash Value

Use this field to add additional cash value to the calculations.

Total Cash Value

The total cash value of all listed benefits plus the cash value of rewards earned.

Fees

With great benefits comes great annual fees. If a card has a fee that you have to pay annually (or monthly in rare cases), it will be listed here. You have the ability to change it.

If the card charges a fee for adding authorized users, it will also appear in this section.

Annual Fee

This is the fee you must pay annually to have the card.

Authorized User Fee

This is the cost to add additional users or supplemental cards to the account. Enter total amount of authorized users.

Total Card Value

This is the total cash value of each listed card when factoring in all rewards and all fees.

Learn More

Learn more about the card through our partners.

Earning Rate Comparison

Want to know how the HSBC Elite Credit Card earning rates stack up against other HSBC credit cards? The table below lists out the earning rates per $1 spent for all credit card partners so you can see where it stands.

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HSBC points calculators

Use our HSBC points calculators to calculate credit card value and earnings based on your spending habits and the transfer of HSBC points to airline miles.

Use our HSBC credit card calculators to estimate how many points you can earn and the cash value of the card based on the spend amounts you enter, how much you value benefits, and annual fees.

Our calculators allow you to compare up to two additional credit cards side by side based on same or different spend. Plus, all spend amounts you enter in the Primary card's column rolls over to all credit card rewards calculators on the site!

HSBC Elite Credit Card

HSBC Premier World Mastercard

Get the details on HSBC's transfer partners and calculate the conversion of HSBC points to airline miles with our calculators.

HSBC Points To Miles: Partner List & Conversion Calculator

Find out which programs you can transfer HSBC Rewards points to and calculate the conversion of HSBC points to airline miles with each partner.

Maximize your rewards

Looking for the best travel credit cards? Check out a few of our top picks below and use our calculators to find out how much you can earn!

Best for flexible travel rewards: Chase Sapphire Preferred Card.
Best for unlimited miles on purchases: Capital One Venture X Rewards Credit Card.
Best travel card for foodies: American Express® Gold Card.
Best for luxury travel: The Platinum Card® from American Express.
Best for rewards on travel and everyday spending: Citi Premier® Card.
Best for small business travel: Capital One Spark Miles for Business.

Find the perfect card for you

Our Credit Card Rewards calculator can help you find the perfect card and offers based on your monthly and yearly spending habits. Simply enter your spend amounts into our tool and let us do the work for you!

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