HSBC
HSBC Elite Credit Card
Large welcome offer worth an estimated $900
- Annual fee
- $495
- Welcome offer
- ~$900
- Annual benefits value
- $205
- Est. 1st-year value
- $1,105
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Is this card worth it for you?
Check the benefits you’d realistically use and see your personalized total value below. This is a personal estimate — actual value depends on your spending. Verify terms with the issuer.
- Selected benefits
- $820
- Welcome offer
- $900
- Annual fee
- −$495
- Estimated first-year net
- +$1,225
Welcome offer
Welcome offer value
Earn 90,000 points after $4,000 in spend within 3 months
$900
Spend requirements apply. Verify current offer with the issuer. How we calculate this
Benefits & credits
Total benefits & credits value
Estimated annual value of all tracked perks
$700
| Benefit | Frequency | Est. annual value |
|---|---|---|
$400 Annual Travel Credit Up to $400 in statement credits each year for travel booked through the HSBC Travel portal. | Annual | $400 |
$10/mo Rideshare Credit Up to $10 in monthly statement credits for eligible U.S. rideshare purchases. | Monthly | $120 |
$10/mo Instacart+ Credit Up to $10 back each month on a second Instacart order after enrolling in a complimentary Instacart+ membership. | Monthly | $120 |
$5/mo Lyft Credit (after 3 rides) $5 in Lyft credit each month after taking three eligible Lyft rides in that month. | Monthly | $60 |
$120 Global Entry/TSA PreCheck Credit Statement credit for a Global Entry or TSA PreCheck application fee, roughly once every 4-5 years. | One-time | $120 |
Who it's for
Consider it if
- Large welcome offer worth an estimated $900
- Ongoing benefits can outweigh the annual fee if used
Maybe skip it if
- High $495 annual fee
Fees & details
- Annual fee
- $495
- Foreign transaction fee
- Varies
- Card network
- Varies
- Recommended credit
- Good to Excellent (690+)
- Rewards currency
- HSBC Rewards
- Last updated
- 2026-07-25
Details are estimates and may be out of date. View issuer terms. Verify all rates, fees, and offers with the issuer before applying.
How it compares
| Annual fee | $495 | $895 | $895 |
|---|---|---|---|
| Welcome offer | ~$900 | ~$3,000 | ~$3,000 |
| Est. 1st-year value | $1,105 | $5,160.40 | $4,684 |
| Annual benefits value | $205 | $2,160.40 | $1,684 |
| Editor rating | 4.6 / 5 | 5.0 / 5 | 5.0 / 5 |
| Points earning structure | 1x points on all purchases |
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| Transfer partners | |||
| Lounge access | |||
| No foreign txn fee | |||
| Recommended credit | Good to Excellent (690+) | Good to Excellent (690+) | Good to Excellent (690+) |
