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HSBC Platinum MasterCard® with Cash or Fly Rewards

Ongoing APR: As low as 8.99%
Annual Fee: None
APR for Balance Transfers: 0.00% (for for the first 12 Months*)
Balance Transfer Fee: 3% ($15 minimum) max. $99 during the Introductory Period*
Cash Advance APR: Prime + 15.99% (Currently 20.99%)
Minimum Cash Advance APR: 19.99%
Cash Advance Fee: 3% (minimum $15)*
Grace Period: 20 Days
Reward Program: Cash Back or Travel Rewards
Late Fee: $15-$39
Overlimit Fee: $35.00
Issuer: HSBC Bank



The HSBC Platinum MasterCard® with Cash or Fly Rewards let's you earn points you can redeem for roundtrip airfare or for cash back. Earn an unlimited number of points — one per $1 spent — with no earnings cap or point expiration. Redeem 25,000 points for roundtrip domestic flights or turn your points into unlimited 1% cash back. Plus enjoy a 0% introductory APR on balance transfers for a full 12 months, with no annual fee.

Cash or Fly Rewards Program: How do I earn Points?
As an HSBC Platinum MasterCard® with Cash or Fly Rewards Cardmember you will earn one Point for every dollar charged in new net retail purchases to your HSBC MasterCard® with Cash or Fly Rewards Card (net purchases refers to all purchases made using your HSBC MasterCard® with Cash or Fly Rewards, less refunds, returns, credits and plus or minus any adjustments to your Account rounded to the nearest cent).

What are my points worth?
As an HSBC Platinum MasterCard® with Cash or Fly Rewards Cardmember you will earn one Point for every dollar charged in new net retail purchases to your HSBC MasterCard® with Cash or Fly Rewards. Program Points can be redeemed for cash at 1%, in multiples of $100. For example, 10,000 Points equates to $100. Or, redeem your Points for a ticket on any airline, subject to availability,at the following Point levels and corresponding Maximum Dollar Value (MDV): 1 roundtrip ticket within the 48 continental United States: 25,000 Points / $400 MDV. 1 roundtrip ticket from 48 states to Alaska, Hawaii, Canada, Mexico, the Caribbean, Puerto Rico, the Bahamas or Bermuda: 35,000 Points / $600 MDV. 1 roundtrip ticket from 48 states to international destinations other than those mentioned above: 50,000 Points / $800 MDV. There are no blackout dates or seat limitations; however, seats are subject to availability. Arrangements must be made through our dedicated travel agent.

When can I begin redeeming my points?
For Cash: Program Points can be redeemed for cash at 1%, in multiples of $100. As soon as you accumulate 10,000 points, which equates to $100, you may redeem your Points for cash. For example, if you have 15,000 Points, you may redeem them for $100. The remaining 5,000 Points will stay in your Account until you reach 10,000 Points. Or, you can choose to redeem the full $200 amount when your Points total 20,000. A check will be issued to the Primary accountholder and mailed to the billing address on record at the time of redemption. For Airline Ticket: With the HSBC MasterCard® with Cash or Fly Rewards, you may also redeem your Points for a ticket on any airline, subject to availability, at the following Point levels and corresponding Maximum Dollar Value (MDV): 1 roundtrip ticket within the 48 continental United States: 25,000 Points / $400 MDV. 1 roundtrip ticket from 48 states to Alaska, Hawaii, Canada, Mexico, the Caribbean, Puerto Rico, the Bahamas or Bermuda: 35,000 Points / $600 MDV. 1 roundtrip ticket from 48 states to international destinations other than those mentioned above: 50,000 Points / $800 MDVAny remaining points will stay in your Account until you are ready to redeem again. For example, if you have 27,000 Points and you redeem 25,000 Points, the remaining 2,000 Points will remain in your Account.

*It is our goal to offer you the HSBC credit card that best fits your credit rating, which may or not be the card you originally inquired about. You may be offered an HSBC secured or unsecured MasterCard without a 0% Introductory APR or Rewards, and with different terms and conditions which will be disclosed to you before your application is processed.

See web site for complete terms & conditions

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