HSBC Jade World Elite® Mastercard®

Get the rewards and benefits you've earned, with a credit card that suits your global lifestyle.
  • Pay no foreign currency conversion charges on your foreign currency purchases. Only the exchange rate will apply.
  • Earn 3%1 in travel rewards on all eligible travel purchases2 (6 points per $1)
  • $200 annual travel enhancement credit
  • 31-day insurance4 coverage
  • Exciting travel benefits+

As an HSBC Jade client, you receive an annual fee rebate. Your HSBC Jade Word Elite Mastercard provides you 24 hour worldwide* assistance with an Emergency Cash Transfer to a maximum of $5,000 if your card is lost or stolen


Rates and Fees

  • Annual fee: $299
  • Additional/supplementary cards: $0
  • Annual Interest rate: 19.9% for Purchases, 22.9% on Cash Advances and Balance Transfers.

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Call 1-866-665-5233

Annual fee

Primary cardholder fee: $299++

Additional/supplementary cards: $0

++$299, to be charged when your card is first issued and to be shown on your first statement (regardless of activation) and annually on the anniversary of your Account.

If, on the date the annual fee is charged, you are an HSBC Jade client, the Account will be eligible for a $299 rebate of the annual fee.

View the Rates and Fees Information Box for details.

Rewards program

With the HSBC Jade World Elite® Mastercard® you earn 3%1 in travel rewards on all eligible travel purchases2 (6 Points per $1) and earn 1.5% in travel rewards on all other eligible purchases3 (3 Points per $1).

Enjoy maximum flexibility and redeem your Points on your terms for

  • Travel
  • Gift cards and valuable merchandise
  • Financial rewards
  • Rewards for miles4.

Please visit our HSBC rewards website for more information.

No foreign transaction fees*

Unlike most credit cards, the HSBC Jade World Elite Mastercard will not charge you a foreign currency conversion charge when you make a purchase in a different currency. Only the foreign exchange rate will apply. This makes shopping abroad or online a more rewarding experience.

* The term “foreign transaction fees” is a substitute for Foreign Currency Conversion charges.

$200 travel enhancement credit

Simply charge your airline seat upgrades, baggage fees or airport lounge passes to your HSBC Jade World Elite Mastercard, and then redeem your travel enhancement credit to cover these charges, making your travel more enjoyable.

The annual $200 travel enhancement credit will automatically renew on your Account anniversary date.

At each anniversary of the Account, any unused portion of the Travel Enhancement Credit will expire and will not be carried over to the following year.

31-day travel insurance5 coverage

Worldwide Emergency Travel Medical insurance5 can provide coverage if you are injured or experience a medical emergency while traveling abroad.

This coverage is available for the Primary Cardholder, his or her Spouse and/or Dependent Children booked to travel on a Trip with the Primary Cardholder. Please note that travel in Cuba is not covered.

Additional travel benefits

Receive a complimentary membership to Mastercard Airport Experiences Provided by LoungeKey with your HSBC Jade World Elite Mastercard and enjoy unlimited access for the cardholder and one guest at no extra cost to over 800 airport lounges worldwide.

Please note that there will be a fee of US$32 (or foreign currency equivalent) per person for any additional guests over the complimentary allotment for each visit.

In addition, HSBC Jade World Elite Mastercard cardholders can relax, enjoy and refresh as they wait for their flight with select food experiences, relaxing spa treatments and retail discounts of up to 20%.

Find out more about Mastercard Airport Experiences and to enjoy the dining, retail and spa offers please register at

Extensive insurance5 coverage

Important changes effective August 1, 2019 to the HSBC Cardholder Agreement. Learn More.

Security and convenience

  • Apple Pay6
  • Tap & go™
  • Zero liability7 protection for unauthorized use of the card

Important Information about the HSBC Jade World Elite Mastercard

To apply for an HSBC Jade World Elite Mastercard, you must:

  • Be an HSBC Premier* customer. For full details regarding eligibility for HSBC Premier and any fees which may apply, please refer to the Personal Service Charges/Statement of Disclosure.
  • Be an HSBC Jade client**. For full details regarding eligibility, please refer to the terms and conditions for HSBC Jade available online at
  • Have a minimum annual gross personal income of $80,000 or a minimum annual gross household income of $150,000
  • Be a permanent Canadian resident and have reached the age of majority in your province/territory

The HSBC Jade World Elite Mastercard is subject to credit approval.

If you are not an HSBC Jade client or prefer a different card, you may be eligible to apply for another HSBC Mastercard which has different rates, fees and benefits. Speak to an HSBC representative or visit for more information.

*HSBC Premier eligibility requires you to have an active HSBC Premier chequing account, and maintain a $100,000 balance in combined personal deposits and investments with HSBC Bank Canada and its subsidiaries or reach a personal HSBC Bank Canada residential mortgage balances of $500,000 or greater. Some exclusions apply. A monthly fee will be charged if you do not meet at least one of the eligibility criteria above. For full details regarding eligibility and any fees which may apply please refer to the Personal Service Charges/Statement of Disclosure available at any HSBC Bank Canada branch or online.

**HSBC Jade is available exclusively to HSBC Premier customers. To qualify, customers need to hold in CAD with HSBC Bank Canada (i) a minimum of $1 million in personal deposits and investments or (ii) both a minimum of $500,000 in personal deposits and investments and personal residential mortgage balances of at least $1,500,000. Full terms and conditions are available at

+ Learn more about these new benefits, and their restrictions, conditions and availability here. The term “foreign transaction fees” is a substitute for Foreign Currency Conversion charges.

1 Points earned on eligible travel purchases can be redeemed for rewards valued at up to 3% of the amount spent to earn them, and Points earned on all other eligible purchases can be redeemed for rewards valued at up to 1.5% of the amount spent to earn them. For example, $5,000 in eligible travel purchases earns you 30,000 Points, which can be redeemed for travel rewards valued at $150. Other rewards that require 30,000 Points for redemption may be valued at less than $150. Redemption offers may change from time to time.

2 Eligible travel purchases mean purchases made from merchants that are classified in the Mastercard network as airlines, car rental agencies, hotels, cruise lines, passenger railways, tour operators, timeshares and travel agencies. Some merchants may sell travel services but are classified in another manner, therefore, purchases from such merchants are not considered to be eligible travel purchases.

3 Eligible purchases means purchases of goods and services that are charged to your Account, except for quasi-cash transactions (which include purchases of wire transfers, travelers cheques, foreign currency, money orders, payments of existing debts, bets, lottery tickets, and gaming chips), less any credits for returns, rebates or adjustments. Cash advances (including balance transfers and cheques), optional services, interest charges or fees, do, not qualify as eligible purchases. See the HSBC Jade World Elite Mastercard Cardholder Manual for further details.

4 In order to participate in the HSBC Rewards for Miles Program (the “Miles Program”), you must first be a member of a participating airline frequent flyer/travel reward program and enrolled in the HSBC Premier World Elite Rewards Program. Airline/travel reward program participation in the Miles Program and the conversion rate is subject to change from time to time. The number of Points that can be transferred in the Miles Program may be subject to a minimum or maximum, as specified at

5 Insurance coverage is underwritten by American Bankers Life Assurance Company of Florida (ABLAC) and/or American Bankers Insurance Company of Florida (ABIC). ABLAC, ABIC, their subsidiaries and affiliates, carry on business in Canada under the name Assurant®. ®Assurant is a registered trademark of Assurant, Inc. Details of coverage, including definitions, benefits, limitations, and exclusions, are in the Certificate of Insurance provided in your Cardholder Manual.

6 Apple Pay works with iPhone 6 and later in stores, apps, and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2, and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, see

7 Zero Liability applies to purchases made in the store, over the telephone, online or via a mobile device and ATM transactions. We will not hold you responsible for unauthorized use if: 1. You have used reasonable care in safeguarding your Card and any related information, including Personal Identification Number (PIN) or password, and have not contributed to any unauthorized use of your Card, PIN, Account number or Cheques; and 2. You report to us any actual or suspected loss, theft or unauthorized use of your Card, PIN, Account number or Cheques immediately after becoming aware of it.

Apple, the Apple logo, iPhone, Mac, Apple Pay, Apple Watch, iPad, iPad Air, iPad Pro and Safari are trademarks of Apple Inc., registered in the US and other countries. iPad Mini is a trademark of Apple Inc.

®/TM Mastercard and World Elite are registered trademarks and the circles design and tap & go are trademarks of Mastercard International Incorporated. Used pursuant to license.

Issued by HSBC Bank Canada