Join HSBC Premier and enjoy welcome rewards up to HKD16,500 Learn More

As your visions take you towards newer opportunities around the globe, HSBC Premier provides a suite of products and services worldwide to cater to the world you’re building for you and your family.

Preferential privileges and offers

  • HSBC Premier Mastercard® exclusive rewards

    1) Up to a 6.4% RewardCash rebate on year-round overseas spending.
    2) Earn HKD800 rebate and an extra 800 Asia Miles for transactions of HKD8,000 or above upon booking flight tickets via Cathay Pacific website.

    3) Buy-1-Get-1-Free dining privileges at designated Michelin-starred and Michelin-recommended restaurants.

    Details

  • Deposit

    1) Up to 1.36% p.a. (HKD) / 0.96% p.a. (USD) on new fund time deposit offer available online1 Details

    2) A preferential interest rate of up to 9.7% p.a. on selected currency purchases and time deposit2 Details

    3) New HSBC customers opening an account via HSBC HK Mobile Banking app can enjoy HKD preferential savings rate of up to +2% p.a. for 3 months upon account opening3 Details

  • Stock

    0.2% cash rebate for Hong Kong stocks, China A shares, US stocks transfer-in/deposit4

    Details

  • Insurance

    1) Successfully apply for FirstCare Plus Medical Insurance for you and your family and enjoy an annual 10% discount5 Details

    2) Enjoy an extra 1% discount on selected HSBC Life insurance plans, and up to a 13% discount on first-year premiums for HSBC Life annuity plans6,7

    3) Family members are eligible for the same exclusive discounts on selected insurance plans8 and enjoy complimentary special benefits for Novel Coronavirus9 Details

    4) 35% off your first year premium for annual MultiTrip TravelSurance10 Details

    5) 20% off your HomeSurance first year premium11 Details

  • Unit Trusts
    Initial charge offer as low as 1% and first 6 month initial charge waiver for Unit Trust Monthly Investment Plan12 Details

Welcome rewards

Enjoy cash rebate up to HKD16,50013 and a “Below Balance Fee” waiver for 6 months14 when you join HSBC Premier and complete designated banking transactions by 29 April 2020.
Reward type
Reward conditions
Reward amount

 

Total Relationship Balance offer15

or

New fund offer*,16

*Require to have successfully opened a Premier investment account and registered for HSBC Personal Internet Banking by the next calendar month after account opening

 

  • Maintain a Total Relationship Balance of HKD1,000,000 or above  

 

or

  • HKD1,000,000 - <HKD4,000,000
  • HKD4,000,000 - <HKD8,000,000
  • HKD8,000,000 or above

 

  • HKD300

 

or

  • HKD1,500
  • HKD4,000
  • HKD14,000

 

Investment / time deposit take-up offer#,17

#Required to take up time deposit with new fund

Accumulated take-up value of HKD300,000 or above
HKD400
Regular payment setup offer Successfully set up regular payment with total payment amount of HKD30,000 or above AND fund-in of HKD10,000 or above HKD400
Junior Pack / Premier for Next Generation account offer18 Successfully apply for a Junior Pack or Premier for Next Generation account with fund-in of HKD1,000 or above HKD400
Auto payroll offer19

Set up a monthly auto payroll of:

  • HKD20,000 - <HKD50,000
  • HKD50,000 – <HKD80,000
  • HKD80,000 or above

 


  • HKD500
  • HKD800
  • HKD1,200

 

Online or mobile account opening offer20 Successfully upgrade via Personal Internet Banking or account opening via "HSBC HK Mobile Banking app" HKD100
Maximum rewards amount13
  HKD16,500
Enjoy cash rebate up to HKD16,50013 and a “Below Balance Fee” waiver for 6 months14 when you join HSBC Premier and complete designated banking transactions by 29 April 2020.
Reward type

 

Total Relationship Balance offer15

or

New fund offer*,16

*Require to have successfully opened a Premier investment account and registered for HSBC Personal Internet Banking by the next calendar month after account opening

Reward conditions

 

  • Maintain a Total Relationship Balance of HKD1,000,000 or above  

 

or

  • HKD1,000,000 - <HKD4,000,000
  • HKD4,000,000 - <HKD8,000,000
  • HKD8,000,000 or above

 

Reward amount
  • HKD300

 

or

  • HKD1,500
  • HKD4,000
  • HKD14,000

 

Reward type

Investment / time deposit take-up offer#,17

#Required to take up time deposit with new fund

Reward conditions
Accumulated take-up value of HKD300,000 or above
Reward amount
HKD400
Reward type
Regular payment setup offer
Reward conditions
Successfully set up regular payment with total payment amount of HKD30,000 or above AND fund-in of HKD10,000 or above
Reward amount
HKD400
Reward type
Junior Pack / Premier for Next Generation account offer18
Reward conditions
Successfully apply for a Junior Pack or Premier for Next Generation account with fund-in of HKD1,000 or above
Reward amount
HKD400
Reward type
Auto payroll offer19
Reward conditions

Set up a monthly auto payroll of:

  • HKD20,000 - <HKD50,000
  • HKD50,000 – <HKD80,000
  • HKD80,000 or above
Reward amount

 


  • HKD500
  • HKD800
  • HKD1,200

 

Reward type
Online or mobile account opening offer20
Reward conditions
Successfully upgrade via Personal Internet Banking or account opening via "HSBC HK Mobile Banking app"
Reward amount
HKD100
Reward type
Maximum rewards amount13
Reward conditions
 
Reward amount
HKD16,500

T&Cs apply[PDF]. Investment involves risk

Join HSBC Premier

Upgrade online

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

*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.

**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.

HSBC digital solutions

Smartphone with flowers background; image used for the HSBC Mobile Account Opening page.
 

Open a bank account and manage your finance on the app

Easy Invest mobile app logo with flowers background; image used for HSBC Easy Invest
 

Trade stocks with our mobile app

 

Get access to a wealth of insights

Reward+app logo with butterflies background; image used for HSBC Reward Mobile App
 

Explore latest offers and rewards

Remarks:

  1. The above interest rates are indicative as of 16 March 2020 and are for reference only. They are not guaranteed and subject to revision, as per prevailing market conditions. Terms and conditions apply. To learn more, please visit www.hsbc.com.hk/accounts/offers/deposits
  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. To learn more, please visit www.hsbc.com.hk/accounts/offers/deposits
  3. The promotion is valid from now on until 30 April 2020. When the New Account is opened via the HSBC HK Mobile Banking app, the customer is a permanent resident aged 18-65 residing in Hong Kong and does not hold of any HSBC banking or investment accounts or credit cards. The maximum deposit amount of the above Offer is capped at HKD 200,000. Terms and conditions apply. To learn more, please visit https://www.hsbc.com.hk/accounts/offers/deposits/.
  4. Investment involves risk. Terms and conditions apply. To learn more, please visit www.hsbc.com.hk/investments/products/stocks
  5. 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. To learn more, please visit www.hsbc.com.hk/insurance/products/medical/firstcare/
  6. This offer is valid until 31 March 2020. Promotional terms and conditions apply. Please visit branch for details.
  7. Selected insurance plans including HSBC Income Goal Deferred Annuity Plan, HSBC EarlyIncome Deferred Annuity Plan, Income Goal Insurance Plan, EarlyIncome Annuity Plan, HSBC Wealth Goal Insurance Plan II, Goal Access Universal Life Plan (Education), Goal Access Universal Life Plan (Protection), HSBC Comprehensive Critical Illness Protection Plan, HSBC Family Goal Insurance Plan and HSBC Health Goal Insurance Plan. Terms and conditions apply, please refer to the enclosed terms and conditions. All of them are life insurance plans. They are not equivalent or similar to any kind of deposit. They are underwritten by HSBC Life (International) Limited. The policyholders are subject to HSBC Life’s credit risk and early surrender loss.
  8. The offer is only valid to the direct family members of HSBC Premier customers. Terms and conditions apply, please refer to the enclosed terms and conditions.
  9. Terms and conditions apply. For details of the complimentary special benefits for Novel Coronavirus, please visit www.hsbc.com.hk/SNCBenefit
  10. Terms and conditions apply. To learn more, please visit www.hsbc.com.hk/insurance/products/travel
  11. Terms and conditions apply. To learn more, please visit www.hsbc.com.hk/insurance/products/home/homesurance/
  12. Investment involves risk. Terms and conditions apply. To learn more, please visit www.hsbc.com.hk/investments/products/mutual-funds/
  13. The HSBC Premier welcome rewards worth up to HKD16,500 cash rebate is only eligible to customers who successfully join HSBC Premier from 18 February 2020 to 29 April 2020. Terms and conditions apply, please refer to the enclosed terms and conditions.
  14. Customers after joining HSBC Premier are required to maintain an average daily Total Relationship Balance for 3 consecutive months at HKD1,000,000 or above, or a monthly below balance fee of HKD380 will apply after the 6-month Below Balance Fee Waiver offer ends. Terms and conditions apply, please refer to the enclosed terms and conditions.
  15. If Customer cannot meet the new fund offer requirements as stated in remark 16, but can (i) successfully open/convert an account to a Premier Account during the promotional period, and (ii) successfully open and maintain a valid Premier investment account, and successfully register for/or maintain HSBC Personal Internet Banking as at the last day of the first calendar month after the month of account opening/conversion and successfully log on Personal Internet Banking at least once on or before such date, and (iii) maintain at least HKD1,000,000 for the second and third calendar months after the month of account opening/conversion, Customer can enjoy the Total Relationship Balance offer. Terms and conditions apply, please refer to the enclosed terms and conditions.
  16. This offer is only for Eligible Customers who (i) successfully open/convert an account to a Premier Account during the promotional period, and (ii) successfully open and maintain a valid Premier investment account, and successfully register for/or maintain HSBC Personal Internet Banking as at the last day of the first calendar month after the month of account opening/conversion and successfully log on Personal Internet Banking at least once on or before such date, and (iii) place new funds of at least HKD1,000,000 in the Premier Account on or before the last day of the first calendar month after the month of account opening/conversion, and (iv) maintain the new funds for the second and third calendar months after the month of account opening/conversion. Terms and conditions apply, please refer to the enclosed terms and conditions.
  17. Investment involves risk. The offer is only applicable to Eligible Customers who successfully take up wealth management product(s) under any of the following product categories and reached a specified accumulated amount: (i) lump sum subscription of Unit Trusts including transfer-in or deposit from a non-HSBC account (excluding Unit Trusts Monthly Investment Plans and switching of Unit Trusts), (ii) purchase of Bonds/Certificates of Deposit (excluding bonds in respect of initial public offering), (iii) subscription of Structured Investment Products, (iv) placement time deposits with new funds and (v) purchases of securities (all types of stocks). To enjoy the offer, any such transaction must be executed via a Premier investment account during the period from the date of account opening/conversion to the last day of the calendar month following the month of account opening/conversion (for the transfer-in or deposit of Unit Trust from a non-HSBC account, such period can be extended to the last day of the second calendar month following the month of account opening/conversion). Terms and conditions apply, please refer to the enclosed terms and conditions.
  18. The Cash Rebate for Next Generation account will be credited to the Eligible Customer’s Next Generation account on or before 31 October 2020. Terms and conditions apply, please refer to the enclosed terms and conditions.
  19. An Eligible Customer who has auto payroll records with the Bank during the 6 months prior to the first deposit of monthly payroll amount made and received by the Bank under this promotion, will not be qualified for the payroll offer. The monthly auto payroll amount appearing in the Bank's records shall be final and conclusive. Terms and conditions apply, please refer to the enclosed terms and conditions.
  20. The offer is applicable to existing customers who successfully convert an account to an HSBC Premier Integrated Account through HSBC Personal Internet Banking or open an HSBC Premier Integrated Account through HSBC HK Mobile Banking app from 18 February to 29 April 2020. Terms and conditions apply, please refer to the enclosed terms and conditions.

Additional risks are disclosed in the “Risk Disclosure” section. Please refer to “Risk Disclosure” section for details.

Structured Investment Deposits, Deposit Plus, Capital Protected Investment Deposits and CDs are not protected deposits and are not protected by the Deposit Protection Scheme in Hong Kong. Deposit Plus and Certificates of Deposit is NOT principal protected.

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, longlasting 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.

The life insurance plans are underwritten by HSBC Life (International) Limited (“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. HSBC Life will be responsible for providing your insurance coverage and handling claims under your life insurance 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 HSBC Life for the distribution of life insurance products in the Hong Kong SAR. For product details and related charges, please refer to the relevant brochures and policy provisions or contact our HSBC’s branch staff.

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

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 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.

Disclaimer

  1. The above policies (First Care Plus Medical Insurance and MultiTrip TravelSurance) 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.
    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.
  2. The above policies (Selected Life Insurance Plans) are underwritten by the Company which is authorised and regulated by the Insurance Authority (IA) to carry on long-term insurance business in the Hong Kong SAR. The Hongkong and Shanghai Banking Corporation Limited (referred to as ""HSBC"") is an insurance agent authorised by the Company. This product is a product of the Company but not HSBC and it is intended only for sale in the Hong Kong SAR. Your benefit is subject to the credit risk of the Company. Your premiums paid will form part of the Company's assets. You do not have any rights or ownership over any of those assets. Your recourse is against the Company only. 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 the Company and you directly. Terms and conditions apply.

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