HSBC Premier Credit Card, Account and Benefits

HSBC HK
Premier
Expertise and privileges

Dedicated team

Enjoy exclusive access to a dedicated team of Relationship Managers to help you make the right decisions when it comes to managing your wealth.

You will also benefit from a wider core relationship team, including an additional Relationship Manager (Retail Banking) and a number of wealth management subject-matter specialists.

Your Premier Relationship Manager, with extensive knowledge in investment and experience in financial planning, will help you identify and achieve your financial goals
Your Relationship Manager (Retail Banking) can help recommend suitable services for your day-to-day banking needs
At the same time, you can tap into the expertise of our wealth specialists, who are dedicated to developing tailored solutions for you and help you capture market trends across our insurance and investment products

Insights and products

Take advantage of a number of attractive products and investment plans and make the most of your money.

We can also help you keep abreast of relevant market development and investment implications with our latest wealth insights.

Set your own target exchange rate with FX Order Watch Trading Services to convert funds automatically and/or to receive alert when the designated FX rate is reached
Facilitate your investment decisions with up-to-date information from our Wealth Insights hub, focusing on macro economy and market trends, alongside our monthly investment bulletin Horizon
Explore investment opportunities with a range of attractive funds¹ and structured products²
Our express stock order placement hotline allows you to place your stock order instantly. A free SMS³ order confirmation will be provided
Exclusive placement service of structured investment deposits² to help you capture market trends more effectively

HSBC Premier Mastercard®

Apply for the exclusive HSBC Premier Mastercard® and access a full range of lifestyle benefits.

Receive instant recognition, perpetual annual fee waiver, personalised services, rewards and rebates when you spend with your HSBC Premier Mastercard®.

Up to 6.4% RewardCash rebate on year-round overseas spending
Earn HKD800 rebate and an extra 800 Asia Miles for transactions of HKD8,000 or above upon booking flight tickets via Cathay Pacific website
15% off selected hotel bookings on Expedia
7% off selected hotel bookings on AGODA
Airport Limousine Service at HKD 250
Buy-1-Get-1 free dining privileges at Michelin-starred and Michelin-recommended restaurants

Discover more offers and find terms and conditions here

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

Banking privileges

Get much more from your banking with a range of exclusive benefits and privileges.

From priority services to preferential rates and credit limits, we can provide you with a faster and more convenient experience.

Exclusive access to over 350 HSBC Premier Centres worldwide, including more than 50 in Hong Kong
Priority Digital Counter Services where you can view the counter situation, get a ticket and book your counter service before arriving at your choice of HSBC Premier Centre
Enjoy preferential rates for foreign exchange and pre-order foreign currency with Personal Internet Banking
Receive an automatic standby overdraft limit of up to HKD20,000 for extra convenience when issuing cheques or using autopay
Manage your finances more flexibly with a maximum credit limit of HKD800,000 or up to six times your basic monthly salary, whichever is lower

Download Transcript about timothy yu's story This link will open in a new window

Timothy Yu

Founder of tutoring app Snapask and our customer since 2008

I'm able to manage my investments flexibly from Hong Kong despite the time constraints, as I can rely on HSBC Premier, which makes everything possible.

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].

Can't find the time to get to the branch? Open an account using the HSBC HK Mobile Banking app instead.

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
Minimum total relationship balance refers to the rolling average for the previous three months

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

Unit Trusts are investment products and some of them may involve derivatives. The investment decision is yours but you should not invest in the Unit Trusts unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives. Unit Trusts are NOT equivalent to time deposits.
Structured Products involve derivatives. The investment decision is yours but you should not invest in structured products unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives.
Customers have to register for free eAlerts Investment Order Confirmation service.
Foreign exchange buy/sell spread is applicable if the transaction involves a currency conversion, including cases where the currencies are pegged.
This service is available in selected countries only. Please contact your Premier Relationship Manager to learn more.
The report was written by Savills World Research, a division of Savills (UK) Limited. Information, commentary and / or opinions provided within the report are those of Savills World Research and not HSBC and constitute research information only and do not constitute an offer to sell, or solicitation of an offer to buy any financial services and / or products, or any advice or recommendation with respect to such financial services and / or products. The report is for general reference only. HSBC is not responsible for any loss, damage or other consequences of any kind that you may incur or suffer as a result of, arising from or relating to your use or reliance of the report. HSBC gives no guarantee, representation or warranty as to the accuracy, timeliness or completeness of the report.
Overseas mortgages and overseas account opening applications will be handled and processed by overseas HSBC group entities directly and will be subject to the approval of the overseas HSBC group entities responsible for the areas in which the property is located.
Our Partner(s) (being independent property consultant(s)) provide a range of international property services in accordance with their applicable terms and condition and may charge a fee for their services. Please check with the Partner(s) directly if you have any questions regarding the fees for their services.
The URL link(s) will direct you to the website of the respective Partner(s). You should carefully read the applicable terms and conditions before using the website or their services. HSBC assumes no liability for your use of the URL link(s) or the services provided by the Partner(s). Materials (including but not limited to research reports, market updates etc.) issued or made available by the Partner(s) on their website or otherwise are not prepared by HSBC, and HSBC gives no guarantee, representation or warranty as to the accuracy, timeliness or completeness of these materials. HSBC is not responsible for any loss, damage or other consequences of any kind incurred or suffered as a result of, arising from or relating to the use of or reliance on these materials. Please check with the Partner(s) directly if you have any questions regarding the contents of the materials issued or made available by the Partner(s). Services are subject to terms and conditions.
Customers have to maintain a Total Relationship Balance of HKD1,000,000 or above, which includes your deposit balances, investments, utilised credit facilities, life insurance with savings or investment component, HSBC MPF balances and HSBC ORSO Defined Contribution Scheme balances (which are administered by HSBC Life (International) Limited).
ATM card service is available subject to prevailing local age requirement.
To apply for a supplementary card, the parents are required to be the primary cardholders of Premier MasterCard credit card and the children are required to be aged 16 or above.
Service operated by MasterCard® Worldwide and its appointed agent/third party service provider.
Emergency encashment services are available to HSBC Premier customers and their family members who have an account with any member of the HSBC group and subject to local regulations. “Family member” means immediate family member including spouse, parents and any dependent (namely, sons, daughters, anyone the customer has legal guardianship over). The eligibility of the family members for this service is subject to our sole determination. In case of disputes in relation to the use of this service, our decision shall be final and conclusive.
For more details, please contact your Premier Relationship Manager (Retail Banking).
The UnionPay ATM chip card can access worldwide HSBC ATMs, except HSBC ATMs in Argentina, France, Greece, Malta, Mexico, New Zealand and Turkey.
To be eligible for the offer of 48 months Below Balance Fee waiver for the new Premier joint account with your parent, your parent must hold a prevailing Premier account with last 3 months’ average total relationship balance not less than HKD1million or its equivalent. At the time of opening the Premier joint account, you must be between the age of 18-21. During the 48 months Below Balance Fee waiver period, your joint account parent must continuously maintain his/her prevailing Premier account with average total relationship balance at HKD1million or above. Terms and conditions apply [PDF].
Some services offered by the IBC depend upon the arrangements made with, and the type of products and services that are available in the relevant overseas locations. These may change at any time without prior notice.
Your credit history will be transferred subject to local regulations.
You may need to provide additional documents or information during the account opening process (as required by the destination country).
Who can open a bank account via the app?
1. Age 18-65
2. Permanent resident residing in Hong Kong
3. Not holding any HSBC bank / investment accounts or credit cards currently

Expertise and privileges

Dedicated team

Learn more

Insights and products

Learn more

HSBC Premier Mastercard®

Learn more

Banking privileges

Learn more

Join HSBC Premier today

Upgrade online

Apply at any branch or phone

Open your investment account

Eligibility criteria

Important information

Remarks