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HSBC
HSBC Premier World Elite Mastercard
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MastercardHSBC
HSBC Premier World Elite Mastercard
4.0
(432 reviews)travelrewards
Last verified March 2026
A solid travel card from a global bank with competitive APR and no foreign transaction fees.
Annual Fee
$95 (waived first year)
Purchase APR
17.49% – 27.49%
Rewards
1x base rate
Sign-Up Bonus
$500 value
Credit Score
Excellent (750+)
Foreign Txn Fee
None
Rewards Breakdown
3x travel, 2x dining, 1x everything else
| Category | Rate |
|---|---|
| Travel | 3x |
| Dining | 2x |
| Everything else | 1x |
Sign-Up Bonus
50,000 points after spending $4,000 in 3 months
Fees & APR
| Annual Fee | $95 (waived first year) |
| Purchase APR | 17.49% – 27.49% |
| Intro APR (Balance Transfer) | 0% for 12 months |
| Balance Transfer Fee | 4% |
| Foreign Transaction Fee | None |
| Late Fee | Up to $39 |
Pros & Cons
Competitive APR range
No foreign transaction fees
Fee waived first year
Global bank network
$95 annual fee
Lower sign-up bonus
Limited U.S. branch network
Annual Fee Break-Even
$1,000/mo
$100/mo$5,000/mo
Annual rewards earned: $120Annual fee: $95
Card pays for itself! You earn $25 more than the annual fee at this spend level.
Based on 1x base rewards rate @ 1¢ per point. Bonus category spending may reduce your break-even point.
Customer Reviews
4.0
432 reviews
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Brian C.VerifiedOct 12, 2025
Solid for HSBC customers
If you already bank with HSBC, this is a natural fit. The travel rewards are competitive and no foreign transaction fees is key for international spending.
DL
Diana L.VerifiedJul 28, 2025
Underrated international card
HSBC's global presence makes this card great for international travelers. Lower APR than most competitors too.