# HSBC Premier World Mastercard®

> Earn up to 3x on gas & EV charging and 3x on groceries. $345+ in statement credits per year. $95 annual fee.

Canonical page: https://cardstack.money/cards/hsbc-premier-world-mastercard
Markdown mirror for AI agents and LLMs. Full index: https://cardstack.money/llms.txt

## At a glance

- Issuer: HSBC
- Network: Mastercard
- Annual fee: $95
- Rewards program: HSBC Rewards
- Total statement credits value: $345 per year
- Net value after annual fee: +$250 per year (credits value minus fee)
- Welcome offer: 50,000 Welcome Bonus Points (worth up to $625 in travel booked through HSBC Travel) after spending $4,000 in the first 3 months.

## Earning rates

| Rate | Category | Notes |
| --- | --- | --- |
| 3x | Gas & EV Charging |  |
| 3x | Groceries |  |
| 2x | Travel |  |
| 2x | Flights |  |
| 2x | Hotels |  |
| 1x | All other purchases | Base earn rate |

## Statement credits

### Streaming Credit - $60/yr ($60 annual)

Up to $60 annual statement credit on TV and radio streaming subscriptions when paid with the card.

- Resets: Calendar year
- Where to redeem: TV and radio streaming subscriptions
- Details: https://cardstack.money/benefits/hsbc-premier-world-mastercard-streaming-credit.md

### Instacart+ Credit - $140/yr ($140 annual)

Up to $140 annually with Instacart+: 3 free months of Instacart+ membership for new members, plus $10 off your second order each month while enrolled.

- Resets: Calendar year (3 free months + $10 off monthly)
- Enrollment required: yes
- Where to redeem: Instacart+ – new members get 3 free months, then $10 off monthly
- Details: https://cardstack.money/benefits/hsbc-premier-world-mastercard-instacart-credit.md

### Lyft Credit - $60/yr ($5 monthly)

$5 Lyft App credit each month after taking 3 eligible Lyft rides in the same month, when paid with the card.

- Resets: After 3 rides per month
- Where to redeem: Lyft – $5 credit after 3 rides per month
- Details: https://cardstack.money/benefits/hsbc-premier-world-mastercard-lyft-credit.md

### TSA PreCheck/Global Entry - $85/yr ($85 every 4 years)

Up to $85 statement credit once every 4.5 years for application fees for Global Entry, TSA PreCheck, TSA PreCheck by Clear, or NEXUS when charged to the card.

- Resets: Every 4 years
- Where to redeem: GE, TSA PreCheck, CLEAR, or NEXUS
- Details: https://cardstack.money/benefits/hsbc-premier-world-mastercard-tsa-precheckglobal-entry.md

## Other benefits

- **Eligibility caveat**: Must have an existing U.S. HSBC Premier checking account to qualify for this credit card.
- **Welcome offer caveat**: 50,000 Welcome Bonus Points are worth up to $625 in travel when booked through HSBC Travel; variable APR 19.49%–23.49% on purchases and balance transfers; $0 annual fee for authorized users.
- **Rewards for Miles**: Transfer points to any of HSBC's 11 airline and 2 hotel loyalty partners.
- **Cellular Wireless Telephone Protection**: Up to $600 per claim for theft or damage to a cell phone listed on your monthly wireless bill when the bill is paid with the card; deductibles and exclusions apply.
- **Mastercard ID Theft Protection**: Identity monitoring, support, and Identity Fraud Expense Reimbursement if your identity is compromised through identity fraud.
- **Purchase Assurance**: Up to $1,000 coverage for most purchases against damage or theft within 90 days of purchase.
- **MasterRental Collision Coverage**: Decline the rental company's collision damage waiver and pay with the card to be covered for theft or damage; secondary coverage; terms and exclusions apply.
- **Trip Cancellation and Travel Accident Insurance**: Coverage for trip cancellation/interruption and common-carrier travel accidents; limits and exclusions apply.
- **No Foreign Transaction Fees**: No foreign transaction fees on purchases processed outside the U.S.


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CardStack automatically tracks the HSBC Premier World Mastercard's $345 in statement credits and reminds you before each one resets, so you use every dollar you paid for. Website: https://cardstack.money - App Store: https://apps.apple.com/app/apple-store/id6759270863