Premier World Mastercard
- Annual fee
- $95
- Network
- mastercard
- Type
- personal
It earns HSBC rewards points on eligible purchases, with enhanced rewards in select spending categories.
Heads up: Rates, fees, and welcome offers below are pulled directly from the issuer and refreshed continuously. Confirm final terms on the issuer site before applying.
Three ways to value this card. Only one of them is yours.
What the issuer advertises.
Pays out with no hoops.
$210 of the advertised value — 71% — comes with strings attached.
- $295 advertised across 4 benefits.
- $210 (71%) needs a booking, enrollment, or deadline.
- Biggest credit — Instacart+ membership and monthly order discount, $120 — comes with conditions.
- Security screening application fee credit ($85) posts automatically. No hoops.
- No-hoops value covers 89% of the annual fee.
- You'll actually use Instacart+ membership and monthly order discount.
- You'll actually use Security screening application fee credit.
- 2× on travel matches your spend.
- You won't use Instacart+ membership and monthly order discount.
- You want the fee covered without chasing — $10 short.
- You'd forget monthly credits.
Earning rates
- All other purchases1×ptsHSBC Reward Points
- Top earnTravel2×ptsHSBC Reward Points
On-card benefits & credits
- Security screening application fee credit$85/One-time
Receive up to $85 toward one eligible security-screening application fee once every 54 months. Eligible programs are Global Entry, TSA PreCheck, TSA PreCheck by CLEAR, and NEXUS.
- Instacart+ membership and monthly order discount$10/Monthly
New Instacart+ members receive three free months of membership and $10 off their second qualifying order each month. The offer expires January 31, 2027.
- Lyft Take 3, Get $5 credit$5/Monthly
After taking and paying for three eligible Lyft rides in a calendar month with the card, receive one $5 Lyft app credit. Credits expire 30 days after application; the program runs through January 31, 2027.
- Monthly transit statement credit$3/Monthly
Receive a $2.50 statement credit in a month when at least $10 is spent with the card at participating transit turnstiles or buses.
- Rewards for Miles transfers$0/Annual
Transfer HSBC points to the loyalty programs of 11 airline and two hotel partners. Conversion rates vary and transfers may take up to 14 days.
- Hotel and motel burglary insurance$0/Annual
Reimburses the cost of replacing or repairing items stolen or damaged due to forcible-entry burglary of a hotel or motel room.
- Priceless Golf access$0/Annual
Provides access to Priceless Golf offers and global golf experiences.
- Mastercard music and entertainment access$0/Annual
Premier cardholders can access 48-hour presales and discounted tickets for selected concerts, shows, and festivals nationwide.
- Lost or damaged luggage coverage$0/Annual
Reimburses checked or carry-on luggage lost or damaged while traveling on a common carrier, up to $1,500 per claim. Coverage is limited to two claims per 12-month period.
- Agoda hotel booking discount$0/Annual
Receive 7% off eligible hotel bookings made through Agoda when paying with the HSBC credit card.
- Purchase Assurance$0/Annual
Covers most eligible new items purchased entirely with the card or accumulated card points if they are damaged or stolen within 90 days of purchase, up to $1,000 per claim.
- No foreign transaction fees$0/Annual
The card charges no foreign transaction fees on purchases made abroad.
- Cell phone protection$0/Annual
Provides reimbursement of up to $600 per claim if an eligible cellphone is stolen or damaged, subject to restrictions, exclusions, and state availability.
- Priceless Experiences access$0/Annual
Provides access to hidden-gem experiences and special-access events offered virtually and worldwide.
- Mastercard Travel & Lifestyle Services$0/Annual
Provides access to benefits, amenities, upgrades, priority service, and premium offers across hotels, flights, tours, cruises, and car rentals.
- Trip cancellation insurance$0/Annual
Pays up to $1,500 per insured person when a trip is canceled for a covered reason.
- Travel accident insurance$0/Annual
Provides accidental death or dismemberment insurance coverage of up to $1 million.
- MasterRental coverage$0/Annual
Provides coverage on most rental vehicles when the rental lasts 31 consecutive days or less and is made with the card.
- Pay at the Pump points discount$0/Annual
Redeem 1,250 points at participating gas stations for $0.50 off each gallon, on up to 20 gallons per transaction.
Other HSBC cards
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