HSBC Premier Hong Kong

Your Premier banking experience

As your life becomes filled with greater responsibilities and more choices to make, HSBC Premier is here to give you the type of global banking coverage and wealth management services you and your family needs.

Up to an exclusive 6.4% RewardCash rebate on overseas spending with HSBC Premier Mastercard®
Up to 2.20% p.a. (HKD) / 2.00% p.a. (USD) on time deposits placement with new funds¹
Preferential interest rate of up to 8.9% p.a. on selected currency purchases and time deposit²
First 6-month $0 brokerage fee on purchase of Hong Kong stock, China A shares and US stocks for new investment account customers
Successfully apply for FirstCare Plus Medical Insurance for you and your family and enjoy an annual 10% discount³

More offers are available. Click here

Join HSBC Premier

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Discover how you and your family can benefit from HSBC Premier

Expertise and privileges

Providing you a personal and convenient banking experience.

Dedicated team

Insights and products

HSBC Premier Mastercard®

Banking privileges

Global banking services

Manage your global accounts, no matter where you are.

Overseas account opening

Overseas property solutions

Global banking

Worldwide Premier status

Support for your family

From planning your child's education to all round family protection.

Premier mortgages and insurance

Education planning

Shared Premier status

Junior account and cash cards

Premier customer stories

Download Transcript This link will open in a new window

Mark and Jade

HSBC Premier customers since 1996

HSBC Premier is always around wherever we go, so we can focus on our family and careers.

Join HSBC Premier today

Upgrade online

Existing HSBC Advance or Personal Integrated Account holders can upgrade to Premier online*.

Upgrade online in 4 simple steps* This link will open in a new window

*Applicable to customers who meet the minimum Total Relationship Balance. Click here [PDF] for the guide to upgrading online.

Apply at any branch or phone

If you are new to HSBC, just bring your identification document, and a recent proof of address to any of our branches** or call us on +852 2233 3377.

Book an appointment This link will open in a new window

**For details, please refer to our notes for account application [PDF].

Open your investment account

Access any of our branches to open an investment account and start investing with HSBC.

What do I need to be eligible?

You qualify for HSBC Premier if you maintain a Total Relationship Balance of HKD1,000,000 or more
Should your Total Relationship Balance drop below HKD1,000,000, a Below Balance Fee will be applied, based on your average Total Relationship Balance over the last 3 months

Total Relationship Balance (TRB) includes:

Hong Kong dollar / Renminbi / foreign currency deposits
Market value of the following investments: local and overseas securities, Unit Trusts, bonds, certificates of deposit, equity linked investments, structured notes, Monthly Investment Plan (stocks/ Unit Trusts) and Wayfoong Statement Gold
Deposit amounts of Deposit Plus and Structured Investment Deposits
Utilised lending facilities (excluding mortgages and amounts outstanding on credit cards)
Life insurance with savings or investment component¹
HSBC MPF balances and HSBC ORSO Defined Contribution Scheme balances which are administered by HSBC Life (International) Limited. (Effective 1 Nov 2018, HSBC MPF balances and HSBC ORSO Defined Contribution Scheme balances will be administered by The Hongkong and Shanghai Banking Corporation Limited.)

  ¹For life insurance with savings or investment component:
   Investment-linked life insurance policies include the total cash value of the policies;
  Other life insurance policies include the total cash value of the policies OR total premium paid less any annuity payments received (if applicable), whichever is higher.

To determine your overall TRB in sole capacity, the applicable TRB of all your personal sole account(s) held or registered with the same joint accountholder(s) under the same name(s) and identity number(s), held with the same joint accountholder(s) will be included in the calculation. There may be a time lag before the value of certain investment transactions (i.e. initial public offering subscriptions for securities, bonds, open-end funds and certificates of deposits) and life insurance policies will be included in the TRB due to the processing time required and therefore may affect the TRB in the Bank’s record.

Below balance Fee

Total Relationship Balance is HKD1,000,000 or above: Free
Total Relationship Balance is less than HKD1,000,000: HKD380 per month
Note: The below balance fee is based on your average Total Relationship Balance over the past 3 months and applies to each Integrated Account held by you.

Important information

Welcome pack [PDF] This link will open in a new window

Points to note for account application [PDF] This link will open in a new window

FAQs

Summary of key terms [PDF] This link will open in a new window

Integrated Account terms and conditions [PDF] This link will open in a new window

Fees and charges

Compare HSBC accounts
	HSBC Premier	HSBC Advance	Personal Integrated Account
Credit Card	Pre-approved HSBC Premier MasterCard®^A Perpetual annual fee waiver on primary and supplementary HSBC Premier MasterCard® Free global Wi-Fi Buy 1 Get 1 free Michelin restaurants^B Airport limousine service at HK$250^C	Not available	Not available
Loans – Clean Overdraft	Best Lending Rate +4%	Best Lending Rate +5%	Best Lending Rate +6%
Stocks – Express Stock Order Placement hotline	24/7 manned hotline	24/7 manned hotline	Not available
Unit Trust	Initial charge as low as 1%^D	Initial charge as low as 1.5%^D	Initial charge as low as 2.5%
FX – Order Watch	Pre-set target rates with conversion amounts as low as HK$1,000 Once target rate is reached, convert automatically or get free notification by Rate Alert	Pre-set target rates with conversion amounts as low as HK$1,000 Once target rate is reached, convert automatically or get free notification by Rate Alert	Not available
Life Insurance	From 1.5% discount for the 1st year premium on selected plans e.g.: Lifestyle Wealth Protection Plus, Goal Access Universal Life Plan, etc.	From 1% discount for the 1st year premium on selected plans e.g.: Lifestyle Wealth Protection Plus, Goal Access Universal Life Plan, etc.	1st year premium discount not applicable
Priority Service, Internet Banking and Mobile Banking
Branch	Access to worldwide HSBC Premier Centres Dedicated Premier Relationship Manager support Digital counter services to view real-time counter traffic and appointment booking	Priority counters at branches^E	General counter services
Phonebanking	Dedicated 24x7 HSBC Premier manned hotline	Dedicated 24x7 HSBC Advance manned hotline	General hotline (Mon – Sat: 9am-11.00pm)
Internet Banking and Mobile Banking	24 x 7 access
Comprehensive International Services
HSBC Global Transfers	Free	Charged at US$7 (or equivalent)	Not available
Emergency Encashment	Free	Free	Charged at US$20 (or equivalent)
Overseas Account Pre-opening Services	Free	Charged at HK$800	Charged at HK$1,600
International Status	HSBC Premier status in all markets you bank with HSBC	Not available	Not avaliable
Account Balance Requirement and Service Fee
Minimum Total Relationship Balance^F	HK$1,000,000	HK$200,000	Nil^H
Below Balance Fee	HK$380 per month^G No fee if monthly balance is maintained	Nil^H	Nil^H

^AApplicable to HSBC Premier and HSBC Advance customers upon application.

^BTerms and conditions apply to the Michelin restaurant and designated hotel stay offers. For details, please click here.

^CTerms and conditions apply to the limousine service offers. For details, please click here.

^DNew HSBC Premier customers and new HSBC Advance customers can enjoy initial charge as low as 1% and 1.5% respectively for open-end funds. The offer is applicable to the first lump sum subscription order within six months after opening the new integrated accounts. Terms and conditions apply [PDF].

^EExcludes Bonham Road, Cheung Chau, Discovery Bay, Peng Chau, Silvermine Bay, the University of Hong Kong, Yung Shue Wan, Cathay Bay City and Sky Plaza. Services of Priority Counter Services will be updated from time to time. Please visit the HSBC website for the branch and Express Banking locations.

^FMinimum total relationship balance refers to the rolling average for the previous three months.

^GThe monthly below balance fee applies to each Integrated Account held by the customer.

^HApplicable to new HSBC Advance & Personal Integrated Account. These changes will also be applied for our existing customers from 1 August 2019.

HSBC digital solutions

Mobile banking

Manage your finances on the go

Easy Invest

Trade stocks with our mobile app

Wealth Insights

Get access to a wealth of insights

Reward+

Explore latest offers and rewards

Terms and conditions apply.

Investment involves risk. Please refer to the "Important Risk Warning" section for details.

To borrow or not to borrow? Borrow only if you can repay!

¹ The above interest rates are indicative as of 5 September 2019 and are for reference only. They are not guaranteed and subject to revision, as per prevailing market conditions

² Terms and conditions apply to selected currencies purchase and place a 1-week time deposit at branch. The Special Interest Rates are subject to revision, as per prevailing market conditions.

³ A family discount will automatically be applied to your policy if there are 2 or more people in this application. You can also apply for a family discount if a member of your family has an existing FirstCare or FirstCare Plus policy. All you need to do is provide us with your family member's existing policy number, and the policy holder's HKID/passport number during your application process. 'Family' refers to your spouse or partner, children, parents and siblings. 'Children' shall mean any child of the policy holder who is between the age of 15 days and 17 years old, or age of 22 or below who is financially solely dependent upon the policy holder, and is registered as a full time student at school, college or university. Terms and conditions apply.

The above policy is underwritten by AXA General Insurance Hong Kong Limited ("AXA"), which is authorised and regulated by the Insurance Authority of the Hong Kong SAR. AXA will be responsible for providing your insurance coverage and handling claims under your policy. The Hongkong and Shanghai Banking Corporation Limited is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agent of AXA for distribution of general insurance products in the Hong Kong SAR.

For monetary disputes arising between HSBC and you out of the selling process or processing of the related transaction by HSBC, HSBC will enter into a Financial Dispute Resolution Scheme process with you. On the other hand, for any disputes over the terms and conditions of your policy, AXA will resolve with you directly.

HSBC Premier