WalletHub Best HSBC Credit Cards
WalletHub makes it easy to find the best HSBC credit card for you.
HSBC credit cards are best for people with good or excellent credit – a credit score of 700 or higher. There are no HSBC credit cards for people with fair, limited or bad credit at the moment. The HSBC credit card offers available right now have $0 foreign transaction fees, annual fees ranging from $0 to $395, and rewards of at least 1 point per $1 spent on purchases. You can compare the latest credit cards from HSBC below.
Best HSBC Credit Cards (April 2024)
- Travel Rewards: HSBC Premier World Credit CardHSBC Premier World Credit CardLearn MoreLearn More
- Luxury Perks: HSBC Elite Credit CardHSBC Elite Credit CardLearn MoreLearn More
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HSBC CREDIT CARDS
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- No membership fees
- High rewards rate
- 35,000 points initial rewards bonus
- No foreign fee
- No intro APR on purchases
- No intro APR on balance transfers
- Requires excellent credit
- High rewards rate
- 50,000 points initial rewards bonus
- No foreign fee
- High membership fees
- No intro APR on purchases
- No intro APR on balance transfers
- Requires excellent credit
Best HSBC Credit Cards of 2024
HSBC Premier World Credit Card
Why We Like It: The HSBC Premier World Credit Card is the best HSBC credit card because it has a $0 annual fee and good rewards.
You get 35,000 points for spending $3,000 in the first 3 months, along with ongoing rewards of 1 - 2 points per $1 spent on purchases and various other savings opportunities. For example, you can get reimbursed for TSA PreCheck’s $85 application fee and receive credits or discounts for making purchases with HelloFresh, DoorDash and Lyft.
What We Don’t Like: This card has a high APR, so it’s best to pay your bill in full every month.
Who Should Get It: Consider applying for the HSBC Premier World Credit Card if you have a credit score of 750+ and you want to save on travel, HelloFresh, DoorDash and Lyft.
Alternatives to Consider: The Capital One VentureOne Rewards Credit Card (see Rates & Fees) is a great option for travel rewards with no annual fee, and you can’t go wrong with the Wells Fargo Active Cash® Card for cash back rewards.
HSBC Elite Credit Card
Why We Like It: The HSBC Elite Credit Card is the best HSBC credit card for big spenders. New cardholders who spend $4,000 within 3 months of opening an account get an initial bonus of 50,000 points (worth $750 in airfare).
You can also get up to $400 in credits per year if you book travel accommodations through HSBC Travel. In addition, you’ll earn 1 - 3 points per $1 spent on purchases, be eligible for TSA PreCheck or Global Entry application-fee credits, and enjoy airport lounge access.
What We Don’t Like: There is a $395 annual fee and a high APR.
Who Should Get It: Consider applying for the HSBC Elite Credit Card if you have excellent credit, spend a lot on travel and dining, and are comfortable booking travel through HSBC.
Alternatives to Consider: The Capital One Venture X Rewards Credit Card is the best travel credit card for big spenders.
When you’re comparing HSBC credit card offers to see which, if any, makes sense for you, a lot ultimately comes down to how much you plan to spend and thus how much of an annual fee it makes sense to pay. For your convenience, here’s a quick overview of how the current HSBC credit card offers compare.
HSBC Credit Cards Comparison
| Credit Card | Best For | Review Rating | Min. Credit Required |
| HSBC Premier World Credit Card | Travel Rewards | 3.5/5 | Excellent |
| HSBC Elite Credit Card | Luxury Perks | 3.6/5 | Excellent |
You can get a feel for how good each card’s terms are by checking out WalletHub’s latest Credit Card Landscape Report. It includes market averages for rewards, interest rates, fees and more. And to see if HSBC’s credit cards are among the market’s elite, check out WalletHub’s picks for the best rewards cards and best credit card rates.
Methodology for Selecting the Best HSBC Credit Cards
To identify the best HSBC credit cards, WalletHub’s editors routinely compare all of the credit cards issued by HSBC from our database of more than 1,500 credit card offers. In doing so, we strive to select the cards that will produce the most savings for different types of cardholders, from those looking to avoid interest to rewards-seekers of all sorts.
The features we focus on depend on the category. For example, introductory and regular APRs are most important when it comes to financing. On the other hand, the expected value of rewards earnings after subtracting annual fees is the key to choosing between rewards cards.
About the author
John S Kiernan
HSBC Credit Cards FAQ
Comparing hsbc credit cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered. WalletHub independently collected information for some of the cards on this page.show more
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What credit score is needed for an HSBC credit card? Reply
The HSBC credit score requirement is 750 for all cards, which means that people with excellent credit have high approval odds.
If your credit score is below the threshold needed for a credit card from HSBC, it’s best to wait to apply until you meet the credit score requirement. You can check your credit score for free on WalletHub.
HSBC Credit Score Requirements by Card
- HSBC Premier World Credit Card: 750 (Excellent credit)
- HSBC Elite Credit Card: 750 (Excellent credit)
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for a HSBC credit card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.
How do I get my HSBC credit card login info? Reply
To get your HSBC credit card login info, you have to register for online banking via the HSBC website. After verifying your identity, you will create a username and password. If you already have an online account but you forgot your credentials, you can click on “Forgot username?” to recover them.
How to Get Your HSBC Credit Card Login Info
- Visit the HSBS webpage and click on “Register.”
- Read the Terms & Conditions and click...
How do I know if I pre-qualify for an HSBC credit card? Reply
HSBC has pre-approval, but it only extends pre-approved offers via mail or e-mail, or to existing customers through their online account. HSBC does not have an online tool that interested consumers can use to check their pre-approval status. And unlike online pre-approvals that may return results for multiple cards with the highest odds of approval, HSBC’s mailed or e-mailed pre-approval offers will be for one specific credit card.
If you wish to respond to...
Are there any HSBC secured credit cards? Reply
No, there aren’t any HSBC secured credit cards at the moment. Most HSBC credit cards are geared toward people with excellent credit. But this doesn’t mean that you’re out of options. If you’re not set on HSBC as an issuer, there are several secured credit cards available on the market.
Notable Secured Credit Cards
- Cash Rewards: U.S. Bank Cash+® Visa® Secured CardU.S. Bank Cash+® Visa® Secured CardLearn MoreLearn More
- Rates & FeesPartially Secured: Capital One Platinum Secured Credit CardCapital One Platinum Secured Credit CardLearn MoreLearn Moreon issuer's website
- No Credit Check: OpenSky® Plus Secured Visa® Credit CardOpenSky® Plus Secured Visa® Credit CardLearn MoreLearn Moreon issuer's website
- Dining Rewards: U.S. Bank Altitude® Go Visa® Secured CardU.S. Bank Altitude® Go Visa® Secured CardLearn MoreLearn More
You can also check out our editors’ latest picks for the best secured credit cards on the market. Most will be available to...
How do I check my HSBC credit card application status? Reply
You can check your HSBC credit card application status either online through live chat or over the phone at (844) 867-5750. Alternatively, you can check the status in person, by visiting your nearest HSBC branch. Make sure to also check the email HSBC sent you after submitting your credit card application for further instructions.
How to Check Your HSBC Application Status
- Via live chat: Go to the HBC website and click on the “live chat” icon...
How can I talk to HSBC customer service? Reply
To talk to HSBC customer service, call 1-800-975-4722 and then enter your account, card, or Social Security number. This process will get you in contact with a live HSBC representative who should be able to answer your questions or direct you to the appropriate department.
How to Talk to HSBC Customer Service by Phone
- Call the HSBC customer service phone number at 1-800-975-4722.
- Enter your account, card, or Social Security number....
How can I reach the HSBC credit card customer service? Reply
The easiest way you can reach the HSBC credit card customer service is either online or through the HSBC mobile app. Alternatively, you can contact customer service over the phone at (800) 975-4722 or via mail.
Ways to Reach HSBC Credit Card Customer Service
Featured Credit Cards
Expert Opinions
Most people are not quite as familiar with HSBC credit cards as cards from other major issuers. To help close the knowledge gap, we asked a panel of experts to answer the following questions. Check out their commentary below.
- Why doesn’t HSBC have a bigger share of the U.S. credit card market?
- Do you think U.S. consumers are especially suspicious of internationally based banks?
- Why do you think HSBC lacks significant variety in its credit card offers?
Professor of Law and Public Finance, Nova Southeastern University, Shepard Broad College of Law
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Ph.D., Associate Professor of Finance, College of Business, Department of Accounting and Finance, Texas A&M University-San Antonio
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Assistant Professor, Texas Lutheran University
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AFC®, Ph.D. Candidate, Financial Coach and Educator, Texas Tech University
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Ph.D., Assistant Professor, Barry University
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Professor of Finance, Monfort College of Business, University of Northern Colorado
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Important Disclosures
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended. WalletHub may share your information with third-parties in order to show personalized offers, as well as enable you to interact more easily with pre-fill forms or applications. You can opt-out of sharing your personal info here.
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Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.
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