USES

World Elite Mastercard® from HSBC Review

World Elite Mastercard® from HSBC — all information about the credit card.

Updated December 01, 2023
Advertiser Disclosure Our Methodology
HSBC World Elite Mastercard®
Apply now
Our Rating:
3.93 out of 5
scorer
Recommended credit score
Excellent (740-799)
  • Rewards Rate:
    • 3x Points on new travel purchases – including airline, hotels, and car rentals.
    • 2x Points on new dining purchases.
    • 1x Points on all other purchases.
  • Intro Offer:
    • 50,000x Bonus Points worth $750 in airfare – when booked online through HSBC Travel from Rewards – after spending $4,000 in the first 3 months of account opening.
  • Annual Fee:
    $395 annually
  • Purchase Intro APR:
    None
  • Regular APR:
    21.24% - 25.24% Variable
  • Balance Transfer APR:
    21.24% - 25.24% Variable
Show more

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HSBC World Elite Mastercard® Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
3X
Travel
$
2X
Dining
$
1X
All other purchases
$
Have you already recieved the HSBC intro bonus?
How would you like to redeem points?
Calculate
Show less details

All benefits

  • Points
    • 3x On new travel purchases – including airline, hotels, and car rentals.
    • 2x On new dining purchases.
    • 1x On all other purchases.
  • Travel
    • $400 Up to $400 per year for all airfare, hotels and car rentals booked through HSBC Travel.
    • Unlimited Lounge Access:
    • You and one guest get complimentary, unlimited access to 1,000+ airport lounges provided by LoungeKey™.

Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 21.24% - 25.24% Variable
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • 21.24% - 25.24% Variable
  • APR for Cash Advances
    • 30.24% Variable
  • How to Avoid Paying Interest
    • Your due date is at least 25 days after the close of each billing cycle. Your Account has a grace period on purchases. You will not be charged interest on new purchases if you pay your previous non-promotional balance, including fees and finance charges, by the due date each month.

Fees

  • Annual Fee
    • $395 annually
  • Fees for Balance Transfer
    • Either $10 or 4%, whichever is greater, will apply on each balance transfer
  • Fees for Cash Advances
    • Either $10 or 5%, whichever is greater, will apply on each cash advance transaction
  • Penalty Fees
    • 30.24%
  • Return Payment
    • Up to $39
  • Late Payment
    • Up to $39
View all Rates & Fees

Pros & Cons

Pros:
  • No Foreign Transaction Fee
Cons:
  • Annual Fee
  • No Intro APR period

Features

Classic
Mastercard
Contactless
  • No foreign transaction fees
  • Payment Flexibility
  • Rewards
  • Bonus points
  • Travel
  • Airline
  • Airport Lounge Access
  • Excellent Credit

About the issuer

HSBC
HSBC has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

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See Another Credit Cards in the Bank

HSBC World Elite Mastercard® is an option for those, who need Classic features. With an APR of 21.24% - 25.24% and $395 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Excellent (740-799) credit score. With HSBC World Elite Mastercard® you will get such features as No foreign transaction fees, Payment Flexibility, Rewards, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

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