Does the HSBC Bank Elite charge foreign transaction fees?

The HSBC Bank Elite has no foreign transaction fees. You can use it for international purchases without any added costs, and your category bonuses still apply on foreign transactions.

What's the best rewards category for the HSBC Bank Elite?

The HSBC Bank Elite earns its highest rate of 5% in the Airfare category. Stack this with a shopping portal for even higher total rewards.

Does CashBackStacks track HSBC Bank Elite offers automatically?

Yes — connect your HSBC Bank offers in CashBackStacks to see merchant-specific deals that stack with your HSBC Bank Elite category rewards and portal cashback. Premium users can activate offers with one click.

Can I stack HSBC Bank Elite rewards with portal cashback?

Yes — the HSBC Bank Elite's 5% category bonus stacks with shopping portal cashback. Use a portal like Rakuten or TopCashback, pay with your HSBC Bank Elite, and earn both rates on the same purchase. CashBackStacks shows the combined stack for every store.

Is the HSBC Bank Elite's $495 annual fee worth it?

At the card's top earn rate of 5%, you'd need about $9,900 in annual spending in that category to recoup the $495 fee through rewards alone. Sign-up bonuses and perks can offset the fee in year one.

CashBack$tacks

HSBC Bank Elite

HSBC Bank

Personal

$495 Annual Fee

Reward Categories

Airfare

All purchases

Airfare (Portal)

Portal not Required.

Car Rentals

All purchases

Car Rentals (Portal)

Portal not Required.

Cruises

All purchases

Cruises (Portal)

Portal not Required.

Hotels

All purchases

Hotels (Portal)

Portal not Required.

Travel

All purchases

Dining

All purchases

Fast Food

All purchases

All Other

All purchases

Welcome Bonus

60,000 Points

Earn 60,000 bonus points after spending $4,000 within the first three months of account opening.

Fees & Features

Annual Fee

$495

Foreign Transaction

No Fees

Transfer Partners

Not Available

Travel Portal

Not Available

About the HSBC Bank Elite

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