HSBC Premier rewards and offers

Our wide range of rewards and offers worldwide gives you the extras you want and deserve.

HSBC HK
Premier
Exclusive offers

Enjoy HSBC Premier Welcome Rewards worth over HKD55,000

Enjoy rewards worth over HKD55,000[@premier-welcome-rewards] and a Below Balance Fee waiver for 6 months[@premier-trb] when you apply for HSBC Premier and complete designated banking transactions from 1 July 2026 to 31 August 2026. T&Cs apply.

View all welcome rewards

HSBC Premier Academy — Hong Kong's first-ever educational programme curated for HSBC Premier Next Gen

Prepare your children for success with HSBC Premier Academy's unique summer learning experiences. Equip them with global and practical perspectives from international learning experiences and career exploration programmes.

Find out more

Health

Explore healthcare privileges to safeguard the well-being of you and your family.

Find out more health offers

Global Education

Plan for your children's global education strategically with a range of exclusive education offers and support initiatives.

Find out more global education offers

Wealth

Leverage our comprehensive support in achieving your life and financial goals.

Find out more wealth offers

HSBC Premier Mastercard®

Discover the hottest offers year-round with HSBC Premier Mastercard®. Reap exclusive rewards with premium dining, shopping, and travel experiences all over Hong Kong.

Find out more HSBC Premier Mastercard® rewards

See all HSBC Premier offers

HSBC Premier welcome rewards

Place new funds, maintain it until the 5^th calendar month, and complete the designated tasks[@premier-2026-new-fund-designated-task] to earn a cash reward of up to HKD25,000!

New fund offer[@premier-offer]
New fund required	Cash reward for new customers	Cash reward for customers upgrading to Premier
HKD500,000 to below HKD1 million	-	HKD2,500
HKD1 million to below HKD2 million	HKD7,500	HKD4,500
HKD2 million to below HKD4 million	HKD12,000	HKD7,000
HKD4 million to below HKD8 million	HKD17,000	HKD11,000
HKD8 million or above	HKD25,000	HKD13,500

New fund offer[@premier-offer]
New fund required	HKD500,000 to below HKD1 million
Cash reward for new customers	-
Cash reward for customers upgrading to Premier	HKD2,500

New fund required	HKD1 million to below HKD2 million
Cash reward for new customers	HKD7,500
Cash reward for customers upgrading to Premier	HKD4,500

New fund required	HKD2 million to below HKD4 million
Cash reward for new customers	HKD12,000
Cash reward for customers upgrading to Premier	HKD7,000

New fund required	HKD4 million to below HKD8 million
Cash reward for new customers	HKD17,000
Cash reward for customers upgrading to Premier	HKD11,000

New fund required	HKD8 million or above
Cash reward for new customers	HKD25,000
Cash reward for customers upgrading to Premier	HKD13,500

Enjoy a wealth management cash reward by taking up designated wealth management products below; and worth up to HKD55,000 rewards by purchasing selected insurance products.

Wealth management products take-up and transfer-in offers
Wealth management offer	Requirements	Rewards
Investment account opening offer and Risk Profiling Questionnaire (RPQ) completion[@premier-investment-account-opening-offer]	Opening an investment account and completing the RPQ	HKD100
Investment take-up offer for new-to-investment customers	Completing registration and making eligible investment transactions during the promotional period as	$300 RewardCash, or Up to 300 units of complimentary Exchange Traded Fund (ETF) 3067.HK (worth approx. HKD3,000)
UT transfer-in offer[@premier-ut-offer]	Transferring in unit trusts with an accumulated value of at least HKD250,000	HKD1,000 cash rebate for every HKD250,000 (no limits for cash rebate)
HK stocks safe custody fee rebate for HSBC Top Trader Club[@premier-ttc-offer]	Being the sole or principal account holder of an HSBC Investment Services Account with account suffix 380, 381 or 388	HK stocks safe custody fee rebate

Wealth management products take-up and transfer-in offers
Wealth management offer	Investment account opening offer and Risk Profiling Questionnaire (RPQ) completion[@premier-investment-account-opening-offer]
Requirements	Opening an investment account and completing the RPQ
Rewards	HKD100

Wealth management offer	Investment take-up offer for new-to-investment customers
Requirements	Completing registration and making eligible investment transactions during the promotional period as
Rewards	$300 RewardCash, or Up to 300 units of complimentary Exchange Traded Fund (ETF) 3067.HK (worth approx. HKD3,000)

Wealth management offer	UT transfer-in offer[@premier-ut-offer]
Requirements	Transferring in unit trusts with an accumulated value of at least HKD250,000
Rewards	HKD1,000 cash rebate for every HKD250,000 (no limits for cash rebate)

Wealth management offer	HK stocks safe custody fee rebate for HSBC Top Trader Club[@premier-ttc-offer]
Requirements	Being the sole or principal account holder of an HSBC Investment Services Account with account suffix 380, 381 or 388
Rewards	HK stocks safe custody fee rebate

Selected insurance product premium rebate offer for new HSBC Life customers[@premier-promotional-offer]

Earn up to $3,000 RewardCash for purchasing selected insurance products as a new HSBC Life customer.
Premium amount (before any applicable discount)	Premium rebate in RewardCash
HKD200,000 to HKD299,999	$500 RewardCash
HKD300,000 to HKD499,999	$1,000 RewardCash
HKD500,000 or above	$3,000 RewardCash

Earn up to $3,000 RewardCash for purchasing selected insurance products as a new HSBC Life customer.
Premium amount (before any applicable discount)	HKD200,000 to HKD299,999
Premium rebate in RewardCash	$500 RewardCash

Premium amount (before any applicable discount)	HKD300,000 to HKD499,999
Premium rebate in RewardCash	$1,000 RewardCash

Premium amount (before any applicable discount)	HKD500,000 or above
Premium rebate in RewardCash	$3,000 RewardCash

Place new funds, maintain it until the 5^th calendar month, and complete the designated tasks[@premier-2026-new-fund-designated-task] to earn a cash reward of up to HKD25,000!

New fund offer[@premier-offer]
New fund required	Cash reward for new customers	Cash reward for customers upgrading to Premier
HKD500,000 to below HKD1 million	-	HKD2,500
HKD1 million to below HKD2 million	HKD7,500	HKD4,500
HKD2 million to below HKD4 million	HKD12,000	HKD7,000
HKD4 million to below HKD8 million	HKD17,000	HKD11,000
HKD8 million or above	HKD25,000	HKD13,500

New fund offer[@premier-offer]
New fund required	HKD500,000 to below HKD1 million
Cash reward for new customers	-
Cash reward for customers upgrading to Premier	HKD2,500

New fund required	HKD1 million to below HKD2 million
Cash reward for new customers	HKD7,500
Cash reward for customers upgrading to Premier	HKD4,500

New fund required	HKD2 million to below HKD4 million
Cash reward for new customers	HKD12,000
Cash reward for customers upgrading to Premier	HKD7,000

New fund required	HKD4 million to below HKD8 million
Cash reward for new customers	HKD17,000
Cash reward for customers upgrading to Premier	HKD11,000

New fund required	HKD8 million or above
Cash reward for new customers	HKD25,000
Cash reward for customers upgrading to Premier	HKD13,500

Enjoy a wealth management cash reward by taking up designated wealth management products below; and worth up to HKD55,000 rewards by purchasing selected insurance products.

Wealth management products take-up and transfer-in offers
Wealth management offer	Requirements	Rewards
Investment account opening offer and Risk Profiling Questionnaire (RPQ) completion[@premier-investment-account-opening-offer]	Opening an investment account and completing the RPQ	HKD100
Investment take-up offer for new-to-investment customers	Completing registration and making eligible investment transactions during the promotional period as	$300 RewardCash, or Up to 300 units of complimentary Exchange Traded Fund (ETF) 3067.HK (worth approx. HKD3,000)
UT transfer-in offer[@premier-ut-offer]	Transferring in unit trusts with an accumulated value of at least HKD250,000	HKD1,000 cash rebate for every HKD250,000 (no limits for cash rebate)
HK stocks safe custody fee rebate for HSBC Top Trader Club[@premier-ttc-offer]	Being the sole or principal account holder of an HSBC Investment Services Account with account suffix 380, 381 or 388	HK stocks safe custody fee rebate

Wealth management products take-up and transfer-in offers
Wealth management offer	Investment account opening offer and Risk Profiling Questionnaire (RPQ) completion[@premier-investment-account-opening-offer]
Requirements	Opening an investment account and completing the RPQ
Rewards	HKD100

Wealth management offer	Investment take-up offer for new-to-investment customers
Requirements	Completing registration and making eligible investment transactions during the promotional period as
Rewards	$300 RewardCash, or Up to 300 units of complimentary Exchange Traded Fund (ETF) 3067.HK (worth approx. HKD3,000)

Wealth management offer	UT transfer-in offer[@premier-ut-offer]
Requirements	Transferring in unit trusts with an accumulated value of at least HKD250,000
Rewards	HKD1,000 cash rebate for every HKD250,000 (no limits for cash rebate)

Wealth management offer	HK stocks safe custody fee rebate for HSBC Top Trader Club[@premier-ttc-offer]
Requirements	Being the sole or principal account holder of an HSBC Investment Services Account with account suffix 380, 381 or 388
Rewards	HK stocks safe custody fee rebate

Selected insurance product premium rebate offer for new HSBC Life customers[@premier-promotional-offer]

Earn up to $3,000 RewardCash for purchasing selected insurance products as a new HSBC Life customer.
Premium amount (before any applicable discount)	Premium rebate in RewardCash
HKD200,000 to HKD299,999	$500 RewardCash
HKD300,000 to HKD499,999	$1,000 RewardCash
HKD500,000 or above	$3,000 RewardCash

Earn up to $3,000 RewardCash for purchasing selected insurance products as a new HSBC Life customer.
Premium amount (before any applicable discount)	HKD200,000 to HKD299,999
Premium rebate in RewardCash	$500 RewardCash

Premium amount (before any applicable discount)	HKD300,000 to HKD499,999
Premium rebate in RewardCash	$1,000 RewardCash

Premium amount (before any applicable discount)	HKD500,000 or above
Premium rebate in RewardCash	$3,000 RewardCash

Referral rewards - Earn 200,000 Miles for a Round-trip Business Class Ticket to Europe!

Earn $1,800 RewardCash (RC) when you successfully refer a friend or family member to join HSBC Premier. You can earn this reward for a maximum of 10 referrals.

As a bonus reward, make 10 referrals to earn an extra $2,000 RC, taking your total reward to $20,000 RC, equivalent to 200,000 miles - giving you the chance to redeem a round-trip Business Class ticket to Europe[@premier-referral-rewards]!

Refer your family and friends in just 3 steps:

For Referrer:

Step 1: Invite your family and friends to join HSBC Premier and provide the contact number that aligns with your Bank record

Step 2: Set up Standalone RewardCash Programme Profile for receiving Referral Rewards:

Download and log on to the HSBC Reward+ App.
Tap the 'Ready to earn RewardCash from Banking Campaigns?' offer banner in Home Page for registration.

For Referee:

Step 3: Your family/ friend visits an HSBC branch in Hong Kong or calls HSBC Premier upgrade hotline (852 2233 3377) to open an HSBC Premier account or convert an existing account to HSBC Premier and provide your (Referrer) contact number mentioned above[@premier-referrer-contact] to the staff

For you to be eligible for the referral rewards, the Referee has to join HSBC Premier during the promotional period from 1 July 2026 to 31 August 2026 and fulfil designated new fund and total relationship balance requirement[@premier-eligible-referee]. See T&Cs.

Exclusive rewards for Reward+ new users

From now till 31 August 2026, new Reward+ users can earn $50 RewardCash simply by downloading and logging into the HSBC Reward+ App for the first time. Register the welcome offer now with your Standalone RewardCash Programme Profile, then sit back and enjoy your treat!

Download HSBC Reward+ now to turn your everyday banking into a rewarding journey!

Learn more >

1+1 HSBC Premier Qualifier Privileges

Enjoy exclusive banking privileges across Hong Kong and Singapore.

HSBC Premier Hong Kong (HK) & Singapore (SG) RewardCash Promotion (1 May 2026 –31 Jul 2026)

Eligible customers may receive $6,000 RewardCash (RC).
Eligibility (all required):
1. Hold an active HSBC HK Premier and HSBC SG Premier accounts (throughout the maintenance period)
2. As of 30 Apr 2026, you didn’t meet the applicable HSBC Premier average total relationship balance (TRB) requirements in both HK and SG
3. You newly meet and maintain the applicable Premier average TRB requirements concurrently in both HK and SG throughout the applicable 3‑month Maintenance Period
4. Enrolled in Reward+ with a valid Standalone RewardCash Programme Profile (by the end of the Maintenance Period and at crediting)
Applicable HSBC Premier average TRB requirement: (for HK) HKD1,000,000 (or equivalent) / (for SG) SGD200,000 (or equivalent).
Maintenance Period: 3 consecutive calendar months as defined in the Promotional Terms and Conditions.
T&Cs apply (PDF).
For assistance (International Banking Centre): +852 2233 3888 or
Request a callback via our Appointment Booking page > "Interested products" (select e.g. "Overseas Account", "Overseas Mortgage" or "Others") > "Remarks (Optional)" (state "HKSG 1+1")
Illustration (as at 1 May 2026): $6,000 RC is approximately 60,000 Asia Miles^ — enough for return economy flights for 1 passenger from Hong Kong to Taipei, Singapore and Tokyo, or one return economy flight to London^.
^Based on Cathay Pacific/Asia Miles redemption estimates as of 1 May 2026 (Taipei 14,000; Singapore 18,000; Tokyo 26,000; London 54,000 miles). Actual miles/ticket values may vary by dates, availability, fare class, taxes and surcharges.
Eligible customers may participate in the HSBC Hong Kong Premier Welcome Rewards alongside this offer, subject to the applicable promotional Terms and Conditions.

Disclaimer:

This promotion is issued by The Hongkong and Shanghai Banking Corporation Limited ("HSBC Hong Kong") in relation to the accounts and services offered by HSBC Hong Kong. HSBC Hong Kong is not acting as an agent or representative of HSBC Singapore. Nothing in this promotion is intended nor should be taken as (i) an advertisement for the accounts and services offered by HSBC Singapore in Singapore targeting at members of the public in Hong Kong or elsewhere, or (ii) an invitation to place deposits with HSBC Singapore from Hong Kong or elsewhere.
HSBC Bank (Singapore) Limited ("HSBC Singapore") is incorporated in Singapore and is regulated by the Monetary Authority of Singapore. HSBC Singapore is not an authorized institution in Hong Kong as defined in the Hong Kong Banking Ordinance (Cap. 155, Laws of Hong Kong) and is not subject to the supervision of the Hong Kong Monetary Authority. HSBC Singapore cannot carry on any banking business or the business of taking deposits in Hong Kong. Any deposits maintained with HSBC Singapore are not protected by the Deposit Protection Scheme in Hong Kong.
As at 31 December 2025, HSBC Bank (Singapore) Limited's paid-up capital and reserves are approximately SGD 1.84 billion.
Deposit Insurance Scheme
Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$100,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

Privilege details

Take up new opportunities around the globe with HSBC Premier's suite of products and services worldwide catering to your every need, as you build a new world for you and your family.

Check out our exclusive global education privileges from HSBC Premier and our renowned partners, including HSBC Premier Academy. Get a 1-on-1 consultation session and take advantage of other events and offers to support your children's overseas education.

Exclusive HSBC Premier Principals Connect

Our all-new event series 'HSBC Premier Principals Connect' will bring together esteemed principals from elite international schools and direct subsidy scheme schools in Hong Kong. In these events, they'll discuss and share ideas and strategies for supporting the next generation towards a successful pathway, offering insights for you to make informed decisions about your children's future.

Visit our channel to revisit the previous sessions of HSBC Premier Principal Connect series.

HSBC Premier Academy 2026

Through international learning experiences and career exploration programmes in Hong Kong and mainland China, we equip the next generation with a global mindset and practical knowledge. Enjoy discounts of up to 15% and an exclusive complimentary post-programme consultation service with HSBC Premier.

Global Education Planning

HSBC Premier Chief Education Officer consultation service: Enjoy a complimentary 1-hour global education consultation session provided by our renowned partners Britannia Study Link (Asia) Limited, Crimson Education and New Oriental Vision Overseas (HK) Education. T&Cs apply.

Pre-departure privileges

Saturday UK Visa premium service[@premier-sat-visa]: Can't find time for your children’s UK Visa application during the week? Experience our complimentary UK Visa Premium Service for HSBC Premier customers exclusively on Saturday mornings featuring premium lounge access and document upload and verification assistance. Contact our partner at ukvac_hk@vfsglobal.com to make a booking and enjoy these exclusive services. Learn more. T&Cs apply. Applications are accepted on a first come, first served basis.

Overseas Study Health Support

Overseas Study Vaccination Discount: Planning to send your child to the UK/US/Australia/Canada for further studies? Enjoy up to 50% exclusive discount on vaccinations required for education in the UK, the US, Australia and Canada at the HSBC Life Health and Wellness Centre (Hysan Place / K11 ATELIER / International Financial Center IFC ). T&Cs apply.

Discount on education course and examination fees

TOEFL English exam discount: Enjoy 20% off on TOEFL iBT examination fees exclusively for HSBC Premier customers paying with an HSBC Premier Mastercard®[@premier-tofel-code]. T&Cs apply.
IELTS and English courses discount: Prepare your children for studying overseas with English Language and IELTS exam courses provided by the British Council. Enjoy 12% off on English and IELTS preparation courses. T&Cs apply.
DSE Tutorial Courses Discount: Enjoy a course fee discount of up to HKD2,000 for DSE tutorial courses of 30 hours or above provided by our renowned partner New Oriental Vision Overseas (HK) Education. T&Cs apply.

Day-to-day overseas care

Guardianship service plan discount: Save up to GBP195 with a new student registration fee waiver[@premier-guard-feewaiver]. Register Now. See more details. T&Cs apply.
Overseas StudySurance discount: Get 10% premium discount in perpetuity, plus HKD400 in Wellcome Supermarket Vouchers[@insurance-gi-supermkt-voucher] , when you apply for Overseas StudySurance between 17 Jun and 16 Oct 2026 (both days inclusive) with promo code 'HP2021'. T&Cs apply.

Global Banking Support

HSBC Eminent Goal Multi-Currency Insurance Plan II: Selected customers can enjoy up to 21.5% off on the first-year premium. Choose from 10 global currencies[@insurance-egip-currencyavailability] with flexible policy management options to support your evolving financial goals. Contact your Relationship Manager to find out more. T&Cs apply.

Deposit

Enjoy preferential new fund time deposit interest rates for HKD/USD/RMB and other selected currencies via online and mobile banking. See details and T&Cs.
New-to-Premier customers can enjoy an extra +0.2% p.a. on top of the current HSBC Premier new fund time deposit rates[@premier-interest-rates]. The offer is applicable to 3-month HKD/USD new fund time deposits. See details and T&Cs.

Currency Exchange

Join HSBC Forex Club and exchange currencies to enjoy unlimited instant discounts on currency exchange spreads of up to 30% off. See details and T&Cs

Insurance

Enjoy up to:

- 60% off first-year premium on VHIS. T&Cs apply.
- 20% off first-year premium on designated life insurance products designated life insurance products. T&Cs apply.

Enjoy up to 20% off your first-year premium on EGIP2 plan, plus an additional 1.5% off for selected customers. T&Cs apply.
Enjoy extra 1.5% first year premium discount on top of prevailing premium discount offers upon successful application of selected life insurance plan. See details and T&Cs.

Stock

$0 safe custody fee

Enjoy a 100% rebate on safe custody fees for HK stocks with your Top Trader Club membership. T&Cs apply(PDF).

Stock Transfer-in Offer

Transfer-in HK stocks or US stocks with aggregate market value of HKD1 million or USD150,000 or above, to enjoy preferential WPL rates of 1-month HIBOR + 0% p.a.
Preferential WPL rate lasts until 31 Dec 2026 upon completing stock transfer. The preferential WPL rate will be applied to the customer’s account no later than the end of the month immediately following the month of fulfilling the transfer requirement. Terms and conditions apply(PDF).

Investment involves risks.

Unit trust

HSBC Premier customers may receive a HKD1,000 cash rebate for every accumulated Unit Trusts transfer-in amount of HKD250,000. No cash rebate limits. See details and T&Cs.

Investment

Exclusive to Premier and Premier Elite clients – new-to-investment take-up offer: From now till 30 June 2026, eligible new-to-investment customers who have made eligible investment transactions meeting one of the accumulated amount requirements and successfully registered for the promotion through the registration form will receive complimentary units of exchange-traded fund (ETF).

For investing an accumulated amount of HKD1,000,000 to HKD2,999,999 (or equivalent):

100 complimentary units of ETF 3067.HK

For investing an accumulated amount of HKD3,000,000 or above (or equivalent):

300 complimentary units of ETF 3067.HK

Eligible investment transactions: unit trusts, bonds, equity-linked investments, currency-linked structured notes, rate-linked structured notes, structured notes linked to hybrid of assets and private placement notes transactions.

Investment involves risk. Terms and Conditions apply.

HSBC MPF

Open an HSBC MPF TVC (Tax Deductible Voluntary Contributions) account and make contributions to enjoy a maximum tax-deductible amount of HKD60,000 and a bonus unit rebate of up to HKD2,888. See details and T&Cs.
Consolidate your MPF personal accounts to HSBC MPF to enjoy a HKD300 bonus unit rebate and stand a chance to win 100% management fee rebate. See details and T&Cs.

Payroll

HSBC Payroll Lucky Draw[@premier-payroll-details]

New and Existing Auto-Payroll Customers who registered for 'Exclusive offers for Auto-Payroll Customers' and have an Eligible Payroll Record[@accounts-payroll-eligible-record] can join a lucky draw for a chance to win a 'Round-the-World Trip in Business Class'[@accounts-payroll-rtw-lucky-draw ] ($80,000 RewardCash, equivalent to 800,000 Miles).

Payroll Welcome Offers[@premier-payroll-details]

New Auto-Payroll Customers who registered for 'Exclusive offers for Auto-Payroll Customers' and have Eligible Payroll Records[@accounts-payroll-eligible-record], can earn up to $1,500 RewardCash and lifestyle rewards of up to HK$600.

Exclusive offers for Auto-Payroll Customers[@premier-payroll-details]:

Up to $18,000 in online rebates upon successfully applying for and drawing down a Personal Instalment Loan[@premier-payroll-details].
Apply for the selected Voluntary Health Insurance Scheme (VHIS) plans to get up to 50% discount on your first year premiums[@premier-payroll-details].

Terms and conditions apply. Learn more.

Your health is one of your important assets. Explore the enhanced HSBC Premier healthcare privileges, which are designed to help you and your family stay well, today and for the years ahead.

HSBC Premier Affluent Family Health Report 2026 (only available in English)

Get a clearer view of how our affluent customers think about health and well-being for themselves and their families – so you can plan yours with greater confidence. Learn more.

Exclusive Premier Health Privileges

Enjoy a range of curated healthcare privileges from HSBC Premier and our trusted partners and access the support you need, when it matters. Learn more.

First-in-market[@pre-health-pri] – jointly presenting medical privileges with three renowned private healthcare institutions

HSBC Premier has partnered with CUHK Medical Centre, Gleneagles Hong Kong and HKSH Medical Group to provide our customers with exclusive priority booking slots and out-patient privileges at designated clinics. Terms and conditions apply.

First-in-market[@pre-2nd-opin] – HSBC Premier exclusive remote medical consultation hotline

seek a second medical opinion remotely from Hong Kong registered general practitioners (who also hold a mainland China Practising Physician Certificate) and specialists. Terms and conditions apply.

First-in-market[@pre-out-nur] – HKSH "Deposit-Free" Community Nursing Service

Access professional home-care services provided by registered nurses under the HKSH Medical Group and enjoy this service without paying a deposit. Terms and conditions apply.

First-in-market [@pre-main-eco] – HSBC Premier mainland China–Hong Kong healthcare ecosystem

Our enhanced Premier medical benefits now cover mainland China and the Greater Bay Area (GBA) for seamless cross-border healthcare support.

Extensive network across key cities in mainland China, with seamless, comprehensive online and offline support

Health screening privilege: HSBC Premier has partnered with three major Hong Kong-invested medical institutions in the GBA, including Humansa | Noah, Jiahui Health (Futian) – Shenzhen Jiarong Clinic, and Shenzhen New Frontier United Family Hospital to offer international-standard health screening plans with discounts of up to 41% off. Terms and conditions apply.
Outpatient service privilege: Enjoy a 10% discount on outpatient services at over 200 premium private medical institutions under the MediTrust Health medical network. Its service network covers more than 30 cities in mainland China, including Beijing, Shanghai, Guangzhou, and Shenzhen. Terms and conditions apply.
Online shopping privilege: Get a 10% discount on over 400 types of selected medicines and healthcare products through a dedicated WeChat mini-program powered by MediTrust Health, with home delivery within mainland China[@pre-medi-del]. Terms and conditions apply.

Healthcare offers and discounts at private hospitals in Hong Kong

Health is an important asset for you! HSBC Premier is dedicated to providing comprehensive health support to protect your health along with your family's.

Up to 64% discount on over 100 selected professional health screening packages at 14 private hospitals in Hong Kong. Terms and conditions apply.
Exclusive 'Bring-a-Companion' upgrade offer: Enjoy up to an additional 20% discount when you pay with your HSBC Premier Mastercard® Credit Card at selected private hospitals. Terms and conditions apply.
HSBC Premier Credit Card customers can also enjoy over 100 healthcare offers (including health checks, vaccination, LASIK and eye care, and Chinese medicine offers). For details, please refer to our HSBC Credit Card year-round offers.
Enhanced targeted disease-prevention screening privileges – Targeted disease-prevention screening plans for children, adults, and seniors with exclusive discounts of up to 50% off. Learn more about the plans from Glneageles Hong Kong plans and HKSH Medical Group. Terms and conditions apply.

Simply present your HSBC Premier ATM Card or HSBC Premier Credit Card, or prove your HSBC Premier status through the HSBC HK App, and enjoy the offers. Terms and conditions apply.

Canossa Hospital (PDF)

CUHK Medical Centre (PDF)

CUHK Medical Clinic (PDF)

Evangel Hospital

Gleneagles Hospital Hong Kong and Gleneagles Medical Clinic Central

Gleneagles Healthcare Wong Chuk Hang, Hong Kong

Hong Kong Adventist Hospital – Stubbs Road

Hong Kong Adventist Hospital – Tsuen Wan

Adventist Medical Centre

HKBH Ambulatory Medical Centre (PDF)

HKSH Medical Group

Matilda International Hospital – Peak, Matilda Medical Centre - Central

Precious Blood Hospital (Caritas)

St. Paul's Hospital (PDF)

St. Teresa's Hospital

Union Hospital

Humansa | Noah

Jiahui Health (Futian) – Shenzhen Jiarong Clinic (PDF)

Shenzhen New Frontier United Family Hospital_plan1&plan2 (PDF)

Shenzhen New Frontier United Family Hospital_plan3 (PDF)

MediTrust (PDF)

Longevity Care Health Coin Subscription Plan for HSBC Premier customers

Take your health and wellness to the next level with our brand-new Health Coin Subscription Plan, designed to offer you exclusive discounts for our health management services.

The Health Coins you subscribed for can be flexibly exchanged for a variety of wellness services at our Health and Wellness (Longevity) Centre at the International Commercial Centre (ICC):

360 Longevity Assessment - understand your health through physical analysis with InBody machine and evaluation of longevity-related biomarkers.
Traditional Chinese Medical Wellness for Skin and Hair - promote healthier skin and hair through treatments that integrate the latest technologies with wisdom of Traditional Chinese Medicine[@hkin-tnc-acupuncture].
Weight Management with Emsculpt[@hkin-tnc-emsculpt] - achieve your desired physique by boosting your muscle tone, strength and metabolism.

Make an appointment at least 3 business days in advance by calling our ICC centre on +852 2358 0108. T&Cs apply.

HSBC Life Health and Wellness Centre - Vaccination offers

Stay healthy at every stage of life. Protect yourself early with vaccinations.

Enjoy a seamless health management experience at the HSBC Life Health and Wellness Centres, with up to 32% off selected vaccines including for HPV, Shingrix, PCV15 (15‑valent pneumococcal conjugate vaccine) and Respiratory Syncytial Virus (RSV). Available at Hysan Place, K11 ATELIER and International Financial Center IFC. Terms and conditions apply.

Request for getting the consent from the Eligible Customers will be raised during the appointment booking process for HSBC Life Health and Wellness Centres to share your appointment booking information, including the date, your full name, and mobile number with the Bank for providing services and other purposes as set out in our Data Privacy Notice. Such consent is entirely optional and will not affect the eligibility to enjoy the Offer.

Up to 5% cashback on your Apple device purchase

You can get special offers on selected[@premier-selected-apple-products] Apple Devices, including the latest iPhone 17, in the new Apple Store for HSBC Premier. Enjoy reward benefits including up to 5% cashback at checkout[@premier-apple-cashback] on your HSBC Premier card when you purchase Apple products in the store. T&Cs apply.

Please refer to the table below for the cashback offers:
Apple products and services	Cashback
iPhone (including iPhone 17 series)	3%
iPad	3%
Mac and MacBook Air/ MacBook Pro	4%
Apple Watch	3%
HomePod	4%
AirPods	5%
Beats	5%
Accessories	5%
Apple TV	3%

Please refer to the table below for the cashback offers:
Apple products and services	iPhone (including iPhone 17 series)
Cashback	3%

Apple products and services	iPad
Cashback	3%

Apple products and services	Mac and MacBook Air/ MacBook Pro
Cashback	4%

Apple products and services	Apple Watch
Cashback	3%

Apple products and services	HomePod
Cashback	4%

Apple products and services	AirPods
Cashback	5%

Apple products and services	Beats
Cashback	5%

Apple products and services	Accessories
Cashback	5%

Apple products and services	Apple TV
Cashback	3%

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Apply to get up to $800 RewardCash. Offer valid till 28 February 2027. See details and T&Cs.
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Important risk warning

Unit Trusts are investment products and some 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
In the worst case scenario, the value of the unit trusts may be worth substantially less than the original amount you have invested
Unit Trusts, Bonds, Certificates of Deposit (CDs), structured products (including Equity Linked Investments, Structured Notes, Deposit Plus, Structured Investment Deposits and Capital Protected Investment Deposits) are NOT equivalent to time deposits. Unit Trusts and Bonds and some of the Structured Products are investment products and some Unit Trusts and Structured Products may involve derivatives. The investment decision is yours but you should not invest 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.
The price of securities / structured products may move up or down and may become valueless. Losses may be incurred as well as profits made as a result of buying and selling securities/ structured products.
In the worst case scenario, the value of the products may be worth substantially less than the original amount you invested (and in an extreme case could be worth nothing).
Issuer's Risk – Bonds, CDs and structured products are subject to both the actual and perceived measures of credit worthiness of the issuer. There is no assurance of protection against a default by the issuer in respect of the repayment obligations. In the worst case scenario, you might not be able to recover the principal and interest/coupon if the issuer defaults on the Bonds, CDs and Structured Products.
Investors should not make investment decisions based on this material alone.
Investment involves risks. Past performance of the products is no guide to future performance. For details of the products, the related fees and charges and risk factors, please refer to the individual product materials and/or offering materials.
Currency exchange involves risk. Currency conversion risk – the value of your foreign currency and RMB deposit will be subject to the risk of exchange rate fluctuation. If you choose to convert your foreign currency and RMB deposit to other currencies at an exchange rate that is less favourable than that exchange rate in which you made your original conversion to foreign currency and RMB, you may suffer loss in principal.
RMB denominated products are subject to liquidity risk as there may be no regular trading and active secondary market for RMB Income Instruments. The bid and offer spread of the price of RMB Income Instruments may be large, so investors may incur significant trading and realisation costs and may suffer losses accordingly.
Warrants and CBBCs are non-collateralised products. The price of the Warrants/CBBCs may fall in value as rapidly as it may rise and investors may sustain a total loss of their investment. Prospective investors should ensure that they understand the nature and risks and seek for professional advice where applicable.

Risk Disclosure

Unit Trusts

Funds which are invested in certain markets and companies (e.g. emerging, commodity markets and smaller companies etc) may also involve a higher degree of risk and are usually more sensitive to price movements.
Credit Risk/Interest Rate Risk – a fund that invests in fixed income securities may fall in value if interest rates change, and is subject to the credit risk that issuers may not make payments on such securities. Price of the fund may have a high volatility due to investment in financial derivative instruments and may involve a greater degree of risk than in the case with conventional securities.
Counterparty Risk – a fund will be exposed to credit risk on the counterparties with which it trades in relation to financial derivative instrument contracts that are not traded on a recognized exchange. Such instruments are not afforded the same protections as may apply to participants trading financial derivative instruments on organized exchanges, such as the performance guarantee of an exchange clearing house. A fund will be subject to the possibility of insolvency, bankruptcy or default of a counterparty with which a fund trades such instruments, which could result in substantial loss to a fund.

Bonds and Certificates of Deposit ("CDs")

Bonds/CDs are mainly medium to long term fixed income products, not for short term speculation. You should be prepared to hold your funds in bonds/CD for the full tenor. You could lose part or all of your principal if you choose to sell your bonds/CDs prior to maturity.
The Bank provides indicative prices of bonds/CDs and the bonds/CDs prices may and/or do fluctuate when market changes. Factors affecting market price of bonds/CDs include, and are not limited to, fluctuations in interest rates, credit spreads, and liquidity premiums. The fluctuation in yield generally has a greater effect on prices of longer tenor bonds/CDs. There is an inherent risk that losses may be incurred rather than profit made as a result of buying and selling bonds/CDs.
It is the issuer to pay interest and repay principal of bonds/CDs. If the issuer defaults, the holder of bonds/CDs may not be able to receive back the interest and principal. The holder of bonds/CDs bears the credit risk of the issuer and has no recourse to the Bank unless the Bank is the issuer itself.
If you wish to sell the bonds/CDs purchased through the Bank, the Bank may repurchase them based on the prevailing market price under normal market circumstances, but the selling price may differ from the original buying price due to changes in market conditions.
There may be exchange rate risks if you choose to convert payments made on the bond/CDs to your home currency.
The secondary market for bonds/CDs may not provide significant liquidity or may trade at prices based on the prevailing market conditions and may not be in line with the expectations of holders of bonds/CDs.
If bonds/CDs are early redeemed, you may not be able to enjoy the same rates of return when you use the funds to purchase other products.

Deposit Plus

Credit risk of the Bank - Deposit Plus is not secured by any collateral. When you invest in this product, you will be relying on the Bank's creditworthiness. If the Bank becomes insolvent or defaults on its obligations under this product, you can only claim as an unsecured creditor of the Bank. In the worst case, you could suffer a total loss of your deposit amount.
DPS is not principal protected. The net return in relation to Deposit Plus will depend upon market conditions prevailing at the deposit fixing time on the deposit fixing date. You must be prepared to incur loss as a result of depreciation in the value of the currency paid. Such loss may offset the interest earned on the deposit and may even result in losses in the principal amount of the deposit.

Renminbi ("RMB") Related Products

There may be exchange rate risks if you choose to convert payments made on RMB related products to your home currency. RMB related products may suffer significant losses in liquidating the underlying investments if such investments do not have an active secondary market and their prices have large bid/offer spreads.
In general, RMB equity products are exposed to the usual kind of default risks that might be associated with equity products denominated in other currencies.
RMB debt instruments are subject to interest rate fluctuations, which may adversely affect the return and performance of the RMB products.
You could lose part or all of your principal if you choose to sell your RMB products prior to maturity.

Securities Trading

The Bank does not provide investment advice on stock trading. Stock trading services provided through any channel involve no solicitation of the sale or recommendation of, or advice on, any stocks from us. All transactions involving the purchase and sale of stocks that you enter into any channel are conducted on an execution-only basis and based on your own judgment; and are not in any way a confirmation or an endorsement from us that it is suitable for you.
Making available to you any advertisements, marketing or promotional materials is part of our Bank's ordinary course of securities dealing business. It shall not, by itself, constitute solicitation of the sale or recommendation of any investment products.
Investment involves risk. Notwithstanding the benefits of offer(s) mentioned herein, you should carefully consider the risks and features of any investment products (including but not limited to equities/exchange traded funds/exchange traded derivatives & structured products) or services mentioned herein to assess whether they are appropriate for you in view of your investment experience, objectives, financial resources and relevant circumstances. The price of investment products may move up or down. Losses may be incurred as well as profits made as a result of buying and selling investment products.

China A Shares

Investment in China A Shares through Shanghai-Hong Kong and Shenzhen-Hong Kong Stock Connect involves risks. You should carefully consider whether any investment products or services mentioned herein are appropriate for you in view of your investment experience, objectives, financial resources and relevant circumstances. The price of securities may move up or down. Losses may be incurred and profits may be made as a result of buying and selling securities.
For further information, you should refer to the risk disclosures and other terms set out in the China Connect / Shanghai-Hong Kong and Shenzhen-Hong Kong Stock Connect Terms and Conditions.

Tax Implications

Qualifying Deferred Annuity Policy("QDAP"): The certification status of the above QDAPs do not automatically guarantee that you will be eligible for a tax deduction for QDAP premiums you have paid. The certification status of the QDAPs is based on the features of the product as well as their compliance with the criteria set out in the guideline issued by the Insurance Authority ("IA"); not necessarily matters regarding other tax related criteria or your personal situation. Before claiming any tax deductions, you must meet all eligibility requirements set out in the provisions under the Inland Revenue Ordinance, while following the guidance issued by the Inland Revenue Department ("IRD") of the Hong Kong SAR. Please note that the actual tax benefits of these policies would depend on your personal tax position and there might not be tax deductions benefits if you are not subject to salaries tax and personal assessment in the relevant year of assessment. You should refer to the website of the IRD (www.ird.gov.hk) or contact the IRD directly for any tax related enquiries.

Tax deduction eligibility is only applicable to policyholders or his/her spouse who are Hong Kong taxpayers. Tax deduction for the qualifying premiums paid under VHIS policy (not including levy) will be based on the premiums paid after deducting the premium discount (if any). You should refer to the website of the Inland Revenue Department or contact the IRD directly for any tax related enquiries.

Disclaimer

Terms and Conditions for Unit Trusts Fees & Charges :

Other promotional offers on open-end fund initial charge maybe available from time to time. Customer will enjoy the preferential initial charge offer set out above or the prevailing promotional offer, whichever rate is lower.
Details of this open-end fund preferential initial charge offer may be changed from time to time at the discretion of The Hongkong and Shanghai Banking Corporation Limited in Hong Kong SAR (the "Bank") without prior notice.
The Bank reserves the right to change these Terms and Conditions at any time with reasonable notice and the initial charge offer may be withdrawn by the Bank at its discretion without prior notice.
In case of dispute, the decision of the Bank shall be final and conclusive.
In case of discrepancies between the English and Chinese versions of these Terms and Conditions, the English version shall apply and prevail.

Life insurance:

The insurance products shown above are not equivalent to any bank deposit or savings. If you wish to learn more about any of the above insurance plans, please refer to the respective product brochure for detailed features and the Policy Provisions for the detailed terms and conditions on the insurance product webpages.

Life insurance products are underwritten by HSBC Life (International) Limited ("HSBC Life"). HSBC Life is incorporated in Bermuda with limited liability, and is one of the HSBC Group's insurance underwriting subsidiaries. HSBC Life is authorised and regulated by the Insurance Authority of the Hong Kong SAR to carry on long-term insurance business in the Hong Kong SAR. Policyholders are subject to the credit risk of HSBC life and early surrender loss.

The above products are products of HSBC Life but not the Bank and they are intended only for sale in the Hong Kong SAR. HSBC Life will be responsible for providing your insurance coverage and handling claims under your policy. For monetary disputes arising between HSBC and you out of the selling process or processing of the related transaction, HSBC will enter into a Financial Dispute Resolution Scheme process with you; however, any dispute over the contractual terms of the product should be resolved between HSBC Life and you directly.

General insurance:

The general insurance policies are 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. General insurance plans are products of AXA but not HSBC.

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.

The remuneration for sales staff is determined based on the staff's overall performance with reference to a wide range of factors, and is subject to review from time to time, for the purpose of encouraging the building of deep, long-lasting and mutually valuable relationships with customers. It is not determined solely on financial performance.

Making available to you any advertisements, marketing or promotional materials, market information or other information relating to a product or service shall not, by itself, constitute solicitation of the sale or recommendation of any product or service. If you wish to receive solicitation or recommendation from us, please contact us and, where relevant, go through our suitability assessment before transacting.

For product details and related charges, please refer to the relevant brochures and policy provisions or contact our HSBC's branch staff.

The information in this document does not constitute a solicitation for making any deposit or investment in any products referred to herein. You should carefully consider whether any investment products or services mentioned herein are appropriate for you in view of your investment experience, objectives, financial resources and circumstances. This material has not been reviewed by the Securities and Futures Commission of Hong Kong.

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

Apple, the Apple logo, iPhone, Touch ID and Face ID are trademarks of Apple Inc., registered or in the process of being registered in the US and other countries / regions.
App Store is a service mark of Apple Inc.
Google Play and the Google Play logo are trademarks of Google LLC. Android is a trademark of Google LLC.

The HSBC VHIS Plans are underwritten by HSBC Life, which is authorised and regulated by the Insurance Authority of the Hong Kong SAR to carry on long-term insurance business in the Hong Kong SAR and is incorporated in Bermuda with limited liability. HSBC Life will be responsible for providing your insurance coverage and handling claims under your life insurance policy. The Bank is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agency of HSBC Life for the distribution of life insurance products in the Hong Kong SAR. The above products are products of HSBC Life but not the Bank and they are intended only for sale in the Hong Kong SAR. They are not a bank deposit or bank savings plan. Your premiums paid will form part of HSBC Life's assets. You do not have any rights or ownership over any of those assets. Your recourse is against HSBC Life only.

In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between HSBC and you out of the selling process or processing of the related transaction, HSBC is required to enter into a Financial Dispute Resolution Scheme process with you; however, any dispute over the contractual terms of the above insurance product should be resolved between HSBC Life and you directly. For product details, cooling off period and related charges, please refer to the relevant brochures and policy provisions.

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Welcome to the world of HSBC Premier

Get ready for more with HSBC Premier

Future Planner

Retirement planning

Notes

Important risk warnings, risk disclosures, and disclaimers