HomeCardsHSBC Premier
HSBC Premier
HSBC

HSBC Premier

Annual fee
$95
Rewards
HSBC Rewards Points
Benefits
10 · $1,049/yr
Data verified Aug 18, 2026 · from the MaxWorth database · not endorsed by HSBC · disclaimer

Earn Rates

CategoryRateTrue cash-back value
Gas 3% 3%
Groceries 3% 3%
Travel 2% 2%
Everything else 1% 1%

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

Credits (5)

50,000 Welcome Bonus Points

$625/yr

Earn 50,000 Welcome Bonus Points, worth up to $625 in travel when booked through HSBC Travel, after spending $4,000 in the first 3 months of opening your card.

$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 Premier credit card.

Global Entry/TSA PreCheck Credit

$85/yr
Annual

Speed up airport screening with up to $85 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 Premier credit card to pay for these trusted traveler programs.

$5 Monthly TV Streaming Credit

$60/yr
Monthly

Receive up to $60 in statement credits annually when you pay for your TV streaming subscription. You will automatically receive up to $5 each month when you pay for your streaming subscription using your Premier Credit Card.

$5 Monthly Lyft Credit

$60/yr
Monthly

Take 3 rides, and get a $5 Lyft App credit every month with your Premier credit card. Use your HSBC Premier credit card to pay for your rideshare and automatically receive $5 each month when you make qualifying rideshare purchases.

Status & Elite Perks (1)

ShopRunner Membership

$79/yr
Annual Activation required

Complimentary ShopRunner membership worth $79 annually. Shop your favorite items and top deals all in one place. Plus, sign up for a complimentary ShopRunner membership to enjoy free 2-day shipping, exclusive discounts and more.

Protections (3)

Cell Phone Protection

Annual

Cellular Wireless Telephone Protection provides reimbursements up to $600 per claim if your cellphone is stolen or damaged when you pay your monthly wireless bill with your HSBC Premier 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 when you pay for eligible items with the card.

Mastercard ID Theft Protection

Annual

Mastercard ID Theft Protection and Identity Fraud Expense Reimbursement provide support and expense reimbursement if your identity is compromised through identity fraud.

Other (1)

Booking.com Discount

Annual

Make the most of your travel. Get up to 7% off prepaid bookings for accommodation when you book with your HSBC Premier Credit Card through Booking.com.

Stop tracking this in a spreadsheet.

The MaxWorth app tracks all 10 HSBC Premier benefits automatically — redemption progress, reset dates and expiry alerts.

Download on the App Store