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HSBC Elite
HSBC

HSBC Elite

Annual fee
$495
Rewards
HSBC Rewards Points
Benefits
7 · $1,249/yr
Data verified Aug 18, 2026 · from the MaxWorth database · not endorsed by HSBC · disclaimer

Earn Rates

CategoryRateTrue cash-back value
Travel 5% 5%
Dining 2% 2%
Everything else 1% 1%

True value converts point multipliers to dollars using MaxWorth point valuations. Issuer-portal-exclusive rates are excluded.

Credits (4)

HSBC Travel Credit

$400/yr
Annual

Earn up to $400 of travel credits per year for all airfares, hotels and car rentals booked through HSBC Travel powered by Priceline. This credit automatically applies when you book eligible travel through the HSBC Travel portal.

$10 Monthly Instacart+ Credit

$140/yr
Monthly Activation required

Get up to $140 annually with Instacart+. When you sign up as a new member, receive 2 free months of Instacart+ and $10 off your second order each month when you use your HSBC Elite credit card.

Global Entry/TSA PreCheck Credit

$120/yr
Annual

Speed up airport screening with up to $120 towards Global Entry, TSA Precheck, TSA Precheck by Clear, or NEXUS once every 4.5 years. This statement credit applies automatically when you use your Elite credit card to pay for these trusted traveler programs.

$10 Monthly Rideshare Credit

$120/yr
Monthly

Earn up to $120 in statement credits annually on taxis, cabs and rideshare. Use your Elite credit card to pay for your rideshare and automatically receive $10 each month when you make qualifying rideshare purchases.

Status & Elite Perks (1)

Priority Pass Lounge Access

$469/yr
Annual

Elevate your airport experience with complimentary and unlimited lounge access for the cardholder and up to 2 guests worth more than $469 annually with Priority Pass. Access more than 1,700+ eligible airport lounges and travel experiences worldwide.

Protections (2)

Cell Phone Protection

Annual

Claim up to $800 if your cellphone is stolen or damaged using Cellular Wireless Telephone Protection. Coverage applies when you pay your monthly wireless bill with your HSBC Elite credit card.

Purchase Assurance

Annual

Purchase Assurance covers most purchases from damage or theft within 90 days of purchase up to $1,000 per occurrence and $50,000 per account per calendar year when you pay for eligible items with the card.

Stop tracking this in a spreadsheet.

The MaxWorth app tracks all 7 HSBC Elite benefits automatically — redemption progress, reset dates and expiry alerts.

Download on the App Store