The HSBC Elite is crafted for individuals who value both style and substance in a credit card. It blends high-level rewards, travel conveniences, and lifestyle benefits that aim to make daily spending more rewarding while opening doors to exclusive opportunities.
From generous travel perks to valuable credits, this card offers more than just payment flexibility. It’s designed to complement an active lifestyle, delivering premium experiences that extend far beyond the checkout counter.
Experience More with the Elite Visa
9 Highlights of the HSBC Elite Credit Card
- Generous Welcome Bonus
New cardholders can start strong with a substantial points bonus after meeting an initial spending requirement. This head start translates into a significant amount of value toward travel, gift cards, or other rewards. - Top-Tier Travel Rewards (5× Points)
Earn five times the points on eligible travel purchases, including airfare, hotels, and car rentals. This makes the card a powerful tool for frequent travellers who want their journeys to be as rewarding as possible. Each dollar spent on travel works harder for you, turning bookings into future adventures or enhanced experiences. - Dining Rewards (2× Points)
Meals out become more rewarding with double points on dining purchases. Whether it’s a casual lunch or a special celebration, you can enjoy the moment while knowing you’re earning toward your next reward. This feature adds extra value to social outings, making each gathering not only enjoyable but also beneficial to your rewards balance. - Solid Everyday Earnings (1× Point)
Even your everyday purchases earn points at a steady rate. This ensures that no matter where you shop or what you buy, your spending continues to work in your favour. It’s an easy way to keep building your points balance without changing your spending habits. - Valuable Travel Credits
Receive yearly travel statement credits when booking flights, hotels, or car rentals through the bank’s dedicated travel service. These credits help offset travel costs, making each trip more affordable while adding convenience to your booking process. - Airport Perks and Lounge Access
Enjoy complimentary lounge access for yourself and guests, providing a calm and comfortable space while you wait for your flight. Additional benefits include credits toward expedited security and immigration services, helping you move through airports more efficiently. - Lifestyle Statement Credits
Earn monthly credits on eligible rideshare and taxi services, adding value to your daily commutes or nights out. Extra perks, such as savings on grocery delivery subscriptions, enhance your convenience and can contribute to yearly savings. - Shopping and Concierge Services
A complimentary shopping membership program offers fast shipping and exclusive deals at participating retailers. In addition, 24/7 concierge assistance is available to help arrange travel, secure dining reservations, and access special events. - Comprehensive Protections and Insurance
The card comes with purchase protection for eligible items, phone protection, and various travel-related insurance coverages. You’ll also benefit from identity theft safeguards and fraud protection, ensuring peace of mind when you shop or travel.
Who Can Apply for the HSBC Elite?
- HSBC Premier Checking Relationship
Applicants must have a U.S. HSBC Premier checking account to be eligible. - U.S. Residency and SSN
You must reside in the United States and have a valid Social Security Number. - Minimum Age and Credit Standing
Applicants must be at least 18 years old and typically have good to excellent credit. - Ongoing Premier Relationship
Maintaining the HSBC Premier checking account is necessary to keep the card and its benefits. - Active Account Management
Consistent account usage and healthy financial activity may be expected for continued eligibility. - Approval Based on Credit Review
Applications are subject to the bank’s credit evaluation and policies.
How to Apply for the Elite
- Open or Maintain Premier Relationship
Ensure you already have the required U.S. HSBC Premier checking account. - Choose Your Application Method
Applications can be submitted online or in person at a bank location. - For Existing Customers
If you are already a client, log in to your account to check eligibility and apply directly. - Provide the Required Information
You’ll need to submit personal, financial, and identification details for review. - Await the Bank’s Decision
The bank will review your application and notify you once a decision is made. - Optional: Apply by Phone or Visit a Branch
If preferred, speak with a representative to complete your application in person or over the phone.
Frequently Asked Questions
Are there foreign transaction fees?
No. The Elite Visa Elevate does not charge foreign transaction fees, making it ideal for international use.
What is the APR range?
The card offers a variable APR for purchases and balance transfers, determined by your credit profile.
Can points be transferred to travel partners?
Yes. Points can be transferred to multiple airline and hotel loyalty programs.
How can points be redeemed?
Points can be used for travel bookings, merchandise, gift cards, statement credits, or to cover eligible purchases.
