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HSBC Platinum Mastercard® with Rewards Credit Card

BestCards Team

| Last updated on October 27th, 2023


Please note that this credit card offer is currently unavailable. To view more credit card options like this one, please click the link below. 


At a Glance

The HSBC Platinum Mastercard® with Rewards credit card attracts with a sign-up bonus and introductory 0% APR period, two welcome features that complement an average suite of cardholder benefits.

Ideal for Those Who:

  • Are looking for a boost to your HSBC Rewards Program points balance
  • Are shopping for a rewards credit card with no annual or foreign transaction fees
  • Want more choices when it comes to redeeming your earned rewards
  • Want the peace of mind knowing that your travels are insured as a cardholder

HSBC Platinum Mastercard® with Rewards Review

The HSBC Platinum Mastercard® with Rewards gives you 1 Rewards Program Point for every dollar you spend on purchases. It’s a little thin compared to what other rewards cards offer, but it’s cushioned by the sign-up bonus: 15,000 points after spending $500 within the first three months as a cardholder. That boon is worth $150 when it’s time to redeem, which you can do so as a statement credit, a purchase from thousands of partnered retail brands, or in exchange for a gift card.

This card also suits customers who might have a big-time purchase on their minds and who could benefit from carrying a balance with no interest charges. When you open an account for a HSBC Platinum Mastercard® with Rewards, you’ll spend your first 12 months with 0% APR, which is a standard grace period compared to most other credit cards. This incentive also applies to balance transfers, so if you manage to score the lower end of the APR range after applying, it might be worthwhile to migrate an existing debt over to this HSBC account.

Another attractive feature of this card is the lack of fees. There is no annual fee, and you won’t be charged for making foreign transactions. There is also no fee to add authorized users to your account. So in a hypothetical scenario, one of your family members could take a trip abroad with their own Platinum Mastercard® at no extra cost to you; and they’ll earn you rewards points as they use it.

Should You Apply for the HSBC Platinum Mastercard® with Rewards?

The HSBC Platinum Mastercard® with Rewards is a good option for those who want to earn average points with every purchase – for no annual fee. 3X points for the first 12 months is an exceptional introductory bonus, even if it is capped at the first $10,000.Once that period concludes, the 1X points aren’t exceptional, but with no yearly charge, it may be worth applying for just for that introductory offer.

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