HSBC Bank · Mastercard World Elite · Personal
HSBC Bank Elite
A $495-a-year card earning cash back: 5× on Travel, 1× on everything else.
- Annual fee
- $495Charged every year
- Signup bonus
- 60,000 ≈ $600 in cash back (our estimate)*
- Top rate
- 5×Travel
- Point value
- 1¢Cash back, a cent a point
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus 60,000 points · spend $4,000 within the first three months of account opening | $600 | – |
| Cash back on your spend Enter your spending | $0 | $0 |
| Credits you’d use None ticked yet | $0 | $0 |
| Annual fee Charged each year | −$495 | −$495 |
| NetYear one includes the bonus · at your inputs · our estimates* | $105 | −$495 |
The bonus needs $4,000 within the first three months of account opening.
Earning structure
3 categories, 3 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
| Travel | 5× | $5.00 | |
| Dining | 2× | $2.00 | |
| All Other | 1× | $1.00 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- $495
- Card type
- Personal
- Network
- Mastercard World Elite
- Bank
- HSBC Bank
- Point system
- Cash back
- Foreign transaction fee
- None
- Transfer partners
- No
- Travel portal redemption
- Yes
- Cash to travel
- No
Benefits7 · 2 high value
- Airport Express Credits High valueGlobal Entry, TSA Precheck, Clear, or NEXUS Credit
- Credits & Discounts High value$400 Annual Travel Credit + 4 more credits & discounts benefits
- Cell Phone Protections Cellphone Protection
Benefit details, terms, and availability may vary. Please refer to the card’s terms and conditions for complete information.
Alternatives
Head to head with similar cards
 HSBC Bank Elite |  Bank of America Premium Rewards Elite |  HSBC Bank Premier |  Bilt Palladium | |
|---|---|---|---|---|
| Annual fee | $495 | $550+$55 | $95−$400 | $495Same |
| Signup bonus | 60,000 pts | 75,000 pts | 50,000 pts | 50,000 pts |
| Top rate | 5×Travel | 2×12 categories | 3×Groceries, Gas Stations | 2×All Other |
| Travel value * | –Cash back | 1¢Travel Rewards | –Cash back | 1.92¢Bilt Points |
| Why it’s here | This card | An annual fee within $100 | Same issuer, at a $95 annual fee | Same $495 annual fee, with transferable points |
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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