HSBC World Elite Mastercard review

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Advertiser Disclosure

Interest Rate: Purchases
19.9
Balance Transfer
22.9
Rewards
3 - 6 points
Signup Bonus
10000 points (after spending $1,000)


Am I eligible?


HSBC World Elite 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
Yes Have a minimum personal income of $80000.

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...


Rewards Canada

It is a card that should be eyed by someone who makes lots of online purchases from outside of Canada thanks to the no FX fee and also for those looking for utmost in flexibility offered by a hybrid card. All in all this card is a big time contender in our market, easily in the top 10 cards overall...

- Rewards Canada

Details


Interest Rates
Regular APR Interest Rate 19.9%
Balance Transfer Interest Rate 22.9%
Cash Advance Interest Rate 22.9%
Rates & Fees
Annual Fee $149.00

Waived on the first year. (offer excludes Quebec residents)

Balance Transfer Fee 5%

Maximum

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
Promotions
Sign up bonus 10000 points after spending $1,000

- On purchases within the first 3 months

- Also get 20000 welcome bonus points




Offer for Quebec Residents

- 20,000 welcome bonus points

- 40,000 Points when you keep your account open and in good standing for 90 days from account open date

Rewards
All Purchases 3 points per $1 spent
Restaurants No
Gas No
Groceries No
Hotels No
Travel 6 points per $1 spent (on first $50000 spent)
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes

$50 per card, up to four cards

Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance Yes
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments Apple Pay
Additional Benefits

- $100 annual travel enhancement credit

- Receive a complimentary membership to Mastercard Airport Experiences Provided by LoungeKey

- Unlimited Wi-Fi through Boingo

- Receive a 10% discount on select hotel bookings on your card with Expedia and Agoda

- Baggage Delay or Loss insurance

- Trip Cancellation and Trip Interruption/Delay insurance

Eligibility
Minimum Security Deposit $0
Minimum Age

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

Minimum Personal Income $80,000 per year
Temporary Residents No
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Additional comments
Terms & Conditions Official Terms & Conditions
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Critic Reviews


Rewards Canada

A pretty strong contender in the market

Rewards Canada

It is a card that should be eyed by someone who makes lots of online purchases from outside of Canada thanks to the no FX fee and also for those looking for utmost in flexibility offered by a hybrid card. All in all this card is a big time contender in our market, easily in the top 10 cards overall in Canada.

Read full review

It is a card that should be eyed by someone who makes lots of online purchases from outside of Canada thanks to the no FX fee and also for those looking for utmost in flexibility offered by a hybrid card. All in all this card is a big time contender in our market, easily in the top 10 cards overall in Canada.

Read full review

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