HSBC +Rewards™ Mastercard® review

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Advertiser Disclosure

Interest Rate: Purchases
Balance Transfer
1 - 2 points
Signup Bonus
10000 points (after spending $2,000)

Am I eligible?

HSBC +Rewards™ Mastercard® is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be at least 18 years of age (AB, MB, ON, PE, QA, SK). 19 in all other provinces.
Yes Be a permanent or temporary resident of Canada

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...

Money We Have

My HSBC +Rewards Mastercard is positive. Although it lacks low interest balance transfer promotion, the regular interest rate and the ability to earn points makes this a good fit for people who have specific needs. Plus, the price protection benefit can be well worth the $25 annual fee.

- Barry.Choi, Money We Have


Interest Rates
Regular APR Interest Rate 11.9%
Balance Transfer Interest Rate 11.9%
Cash Advance Interest Rate 11.9%
Rates & Fees
Annual Fee $25.00

Balance Transfer Fee 5%


Cash Advance Fee $2.00

- $4 for ATMs outside Canada

- $3 for over the counter transactions

- $5 for over the counter transactions outside Canada

Foreign Transaction Fee $0.00
Over Limit Fee $29.00
Late Payment Fee $0.00
Sign up bonus 10000 points after spending $2,000

- On purchases within the first 180 days.

- 1st Year Annual Fee Rebate for the Primary Cardholder for the first year.

Offer for Quebec Residents

- Receive 15,000 Points if you if you keep your account open and in good standing for 180 days.

All Purchases 1 point per $1 spent
Restaurants 2 points per $1 spent
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details

2 points per $1 spent on entertainment purchases

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service No
Price Protection Yes
Fraud Protection Yes
Free Credit Scores No
Wireless Payments Apple Pay
Virtual Cards No
Minimum Security Deposit $0
Minimum Age

18 years in AB, MB, ON, PE, QA, SK. 19 years in all other provinces.

Minimum Personal Income
Temporary Residents No
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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