HSBC Premier World Mastercard® Credit Card

For People with
Fair Credit



The HSBC Premier World Mastercard® is a travel rewards credit card that could be useful if you’re looking to stack up points for a yearly vacation and save a chunk of change.

You can get 35,000 Reward Program bonus points, after spending at least $3,000 in the first 3 months from opening your account. Those points are worth at least $400 in air travel.

This card earns 2X points per dollar on all travel purchases, and 1X point per dollar on all other purchases.

The annual fee for this card is waived the first year, and then it’s $95 unless you have an HSBC Premier checking account, in which case it will remain $0.

Card Quick Facts

Card Quick Facts

  • 2X Rewards Program points per dollar on travel
  • 1X point per dollar on all other net purchases
  • 35,000 Rewards Program bonus points worth $400 in airfare when booked online through HSBC Rewards, after spending $3,000 in the first three months of opening your account
  • Earn unlimited points that don’t expire
  • No blackout dates or restrictions on most major airlines

For People with
Fair Credit



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Card Details



  • 2X Rewards Program points per dollar on Travel
  • 1X Rewards Program point per dollar on all other purchases.

Introductory Bonus

  • 35,000 bonus points after spending $3,000 or more in the first 3 months from account opening
Card Stats

Card Stats

Annual Fee $95, $0 first year ($0 with qualifying HSBC Premier checking account)
Additional Cards Annual Fee -
Regular Purchase APR 17.24% or 21.24% Variable
Intro Purchase APR -
Foreign Transaction Fee None
Chip Technology Chip-and-Signature & Chip-and-PIN
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR 32.24% Variable
Late Fee Up to $37
Returned Payment Fee Up to $25
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 17.24% or 21.24% Variable
Balance Transfer Fee 3%, $5 minimum
Cash Advances

Cash Advances

Cash Advance APR 27.24% Variable
Cash Advance Fee 3%, $5 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Mastercard Concierge Service

    Like having your own personal assistant; call for non-emergency help in all sorts of situations, from small to large, 24/7.

  • TSA PreCheck

    Get a credit for the application fee for TSA PreCheck ($85), once every five years.

  • $50 Annual Statement Credit for Uber or Lyft

    Receive up to $50 in statement credits per year when using your card.

  • Mastercard Airport Concierge

    15% savings on Airport Meet & Greets, with personal agents to escort you through the airport at over 450 destinations, 24/7.

  • Boingo

    Get unlimited access to Boingo WiFi hotspots at over 1 million locations worldwide.

  • Expedia 10% Hotel Discount

    Get a 10% discount when you register and book through

  • Agoda 10% Hotel Discount

    Get a 10% discount when you book through

  • onefinestay

    Get a 10% discount when you book your stay through

  • Complimentary ShopRunner Membership

    Cardholders can enroll in ShopRunner for free, which provides free two-day shipping and returns at participating retailers.

  • Identity Theft Resolution Services

    Provides assistance if you believe you’ve become a victim of identity theft.

  • Identity Fraud Expense Reimbursement

    Provides reimbursement for costs you may incur should you become a victim of identity theft.

  • Lost/Stolen Card Reporting

    Receive a temporary card the next day in the United States if you immediately report your card lost or stolen, with 24/7 service.

  • Emergency Card Replacement

    Mastercard will send you a temporary card until your new card from HSBC arrives.

  • Emergency Cash Advance

    Mastercard can send you a cash advance up to $2,000 in the event of an emergency.

  • Satisfaction Guarantee

    You can get a refund up to $250 if you’re dissatisfied with your eligible purchase.

  • Purchase Assurance

    Provides coverage for eligible damaged or stolen items within 90 days from the date of purchase, up to $1,000.

  • Price Protection

    If you find an eligible item you bought being advertised for a lesser price within 120 days, you can be reimbursed for the price difference.

  • Extended Warranty Protection

    Extends an eligible manufacturer’s warranty by up to two additional years.

  • Travel Insurance

    Covers you and your family against accidental injury or loss of life up to $1,000,000, when traveling by common carrier.

  • MasterAssist® Travel Assistance Services

    Provides pre-trip planning and help with travel emergencies, including emergency card replacement or cash advances.

  • MasterRental® Insurance

    Must decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is provided for theft and collision damage for most rental cars in the U.S. and abroad. In the U.S., coverage is secondary to your personal insurance.

  • Baggage Delay Coverage

    Reimbursement for essential personal or business checked items if they are delayed by common carrier.

  • Lost or Damaged Luggage Coverage

    Reimbursement for essential personal or business checked or carry-on luggage that is damaged or lost by the carrier.

  • Hotel/Motel Burglary Coverage

    Reimbursement for personal belongings stolen from your room.

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