Main benefits of the HSBC Credit Card

The HSBC Credit Card Rewards Program allows cardholders to earn valuable points on their everyday purchases, turning spending into opportunities for rewards like merchandise, travel, and exclusive discounts.

Whether you use your card for groceries, entertainment, or travel, every purchase brings you closer to exciting rewards. Here’s a clear breakdown of how the program works so you can start maximizing your points and benefits right away.

How to Earn Points with the HSBC Credit Card

The first step in taking full advantage of the HSBC Credit Card Rewards Program is knowing how to earn points. Every time you make a purchase with your HSBC credit card, you accumulate points based on the value of the transaction.

• General Purchases: Most purchases, such as groceries, dining, and online shopping, earn points.
• Bonus Categories: Some categories, like travel or dining, may earn higher points, depending on your card type.
• Bonus Offers: HSBC often runs promotions where you can earn extra points for specific purchases or during limited-time campaigns.

How Many Points Can You Earn?

The number of points you earn will depend on the type of HSBC credit card you have. HSBC offers various credit cards with different benefits, and each card has a different earning rate. Typically, the basic card may earn one point per dollar spent, but premium cards may offer more points for travel or dining-related purchases.

For example, if you spend $100 on eligible purchases, you may earn 100 points. Be sure to check the specifics of your card to understand how many points you’ll earn for different types of purchases.

How to Redeem Points

Once you’ve accumulated enough points, you can redeem them for a wide variety of rewards. HSBC offers a flexible redemption process:

• Travel Rewards: You can exchange your points for airline tickets, hotel stays, and car rentals.
• Merchandise: Use your points to purchase gadgets, appliances, fashion items, and more from the HSBC rewards catalog.
• Gift Cards & Discounts: You can also redeem your points for gift cards from popular retailers or get discounts on future purchases.

Expiry of Points

Points in the HSBC Credit Card Rewards Program typically have an expiration date, meaning they must be redeemed within a certain period. Be sure to check your card’s terms and conditions for specific expiry details, as it varies from card to card. Generally, you have up to 2 years to redeem your points, so plan accordingly.

Other Benefits of the HSBC Rewards Program

In addition to redeeming points, the HSBC Credit Card Rewards Program offers various other perks:

• Exclusive Offers: As a member, you might get access to exclusive promotions, events, and discounts from HSBC partners.
• Priority Customer Service: Premium cardholders may benefit from priority customer support when making inquiries or managing their accounts.
• Extra Protection: Some cards come with additional security features such as purchase protection, extended warranties, and travel insurance.

How to Maximize Your Rewards

To get the most out of the HSBC Credit Card Rewards Program, consider the following tips:

• Focus on Bonus Categories: If your card offers higher points for travel or dining, focus your spending in these categories to earn more points.
• Watch for Promotions: HSBC often runs special promotions that allow you to earn more points on certain purchases. Make sure to take advantage of these opportunities.
• Use Your Points Regularly: Don’t let your points expire. Plan your redemptions to ensure you make the most of them before they’re no longer valid.