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HSBC Platinum MasterCard® with Cash Back Rewards

Ongoing APR: As low as Prime + 3.24% (Currently 8.24%)
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 Rewards
Late Fee: $15-$39
Overlimit Fee: $35.00
Issuer: HSBC Bank



The HSBC Platinum MasterCard® with Cash Back gives unlimited 1% cash back on every single purchase. Unlike other cash back cards, it has no earnings cap or point expiration, and no confusing spending requirements or tiers. Earn 1% cash back on every single purchase you make. Plus enjoy a 0% introductory APR on balance transfers for a full 12 months, with no annual fee.

What rewards can I get with my Earnings?
Your HSBC Platinum MasterCard® with Cash Back Rewards Program Earnings can be redeemed for cash at any time in multiples of $100. For example, if you have $150 in Earnings and request cash redemption, you will receive a redemption check in the amount of $100. The remaining $50 in Earnings will stay in your account until you reach $100 in Earnings.You must redeem the maximum cash award available to you at the time of redemption. For example, if you have $240 in Earnings and request cash redemption you will receive a redemption check in the amount of $200. The remaining $40 in Earnings will stay in your Account until you reach $100 in Earnings.

When can I begin redeeming my Earnings?
Your HSBC Platinum MasterCard® with Cash Back Rewards Program Earnings can be redeemed for cash as soon as you accumulate $100 in Earnings and in multiples of $100 thereafter. For example, if you have $150 in Earnings and request cash redemption, you will receive a redemption check in the amount of $100. The remaining $50 in Earnings will stay in your Account until you reach $100 in Earnings.You must redeem the maximum cash award available to you at the time of redemption. For example, if you have $240 in Earnings and request cash redemption, you will receive a redemption check in the amount of $200. The remaining $40 in Earnings will stay in your Account until you reach $100 in Earnings.

How do I redeem my Earnings?
Cash redemption(s) may be requested at any time by calling the HSBC Customer Care Department at 1-888-385-8916. The Customer Care Department will process the request. You may also request cash redemption online by logging on to www.hsbccreditcard.com and clicking on the Redeem Available Rewards link from the Account Overview page. A check will be issued to the primary accountholder and will be mailed to the billing address on record at the time of redemption.

What if I don't redeem the full amount of my accrued Earnings?
Earnings can be redeemed for cash in multiples of $100. For example, if you have $150 in Earnings and request cash redemption, you will receive a redemption check in the amount of $100. The remaining $50 in Earnings will stay in your Account until you reach $100 in Earnings.You must redeem the maximum cash award available to you at the time of redemption. For example, if you have $240 in Earnings and request cash redemption, you will receive a redemption check in the amount of $200. The remaining $40 in Earnings will stay in your Account until you reach $100 in Earnings.

See web site for complete terms & conditions

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