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The HSBC Elite card is designed for those who seek exclusive benefits and want to make the most of their travels and experiences.
If you have an HSBC Premier checking account, you can already sign up to take advantage of the incredible rewards it offers.
The benefits include access to airport VIP lounges, extra points on travel and meals, as well as travel credits.
All this with a personalized service that will transform your lifestyle, making your purchases and trips even more advantageous.
Want to know more about applying? Let’s tell you!
HSBC Elite
Earn premium Transaction feesHow does the HSBC Elite work?
The HSBC Elite card is a unique credit card available to HSBC Premier customers. It offers several advantages, such as access to VIP lounges at airports, travel insurance and special benefits for those who want a more complete experience.
To have the card, you must be a HSBC Premier account holder and make the request.
With HSBC Elite, you earn points for every purchase, which can be redeemed for products, services or airline tickets.
In addition, the card offers cashback and discounts on several partnerships. It also has a personalized service, with a concierge available 24 hours to help in needs such as restaurant reservations or travel organization.
With a higher credit limit and benefits designed for those who travel or consume high-end products, HSBC Elite is ideal for those who want access to exclusive advantages.
Main benefits for the HSBC Elite
HSBC Elite offers a number of unique benefits to those who are HSBC Premier program customers.
One of the main benefits is access to VIP lounges at airports around the world, ensuring more comfort during your travels.
The card also offers full travel insurance, which covers everything from medical assistance to baggage problems.
You also earn points for each purchase, which can be redeemed for products, airline tickets or other services.
Another benefit is the 24-hour concierge service, which helps with hotel reservations, restaurants and even in organizing trips.
The card also offers special discounts in several partnerships, as well as a personalized service to make your experience even more exclusive.
With a higher credit limit and a range of luxury benefits, HSBC Elite is perfect.
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Cons for the HSBC Elite
Despite all the benefits, HSBC Elite has some drawbacks. The main negative point is the high annuity, which can be difficult to justify for those who do not use all the benefits of the card frequently.
In addition, the requirement to be an HSBC Premier customer to obtain the card may be a hurdle as it is necessary to have an account with investments or a higher minimum income.
Another point is that although the points program is advantageous, points may expire or have strict rules for rescues, which limits their flexibility.
The service, although exclusive, can be longer in high-demand situations, which can also be an inconvenience for some customers.
APR and Fees
HSBC Elite has a relatively high annual interest rate (APR), especially for those who do not pay the bill in full.
If there is a balance to be paid, the interest rate may vary but on average it is around 8% to 10% per month, which can result in a significant cost if payment is not made in full.
In addition, the card charges an annual fee of R$ 1,200, which can be reduced or even exempted depending on the client’s profile and the use of the card.
There are also fees for services such as ATM withdrawals, foreign currency conversion and issuance of second-way invoices
How to apply for the HSBC Elite
To order the HSBC Elite card, you can start by visiting the bank’s website or app. There, you just fill out the form with your personal information such as name, CPF, address and financial data.
To be approved, it is necessary to have a good credit history and meet the minimum income requirement, which is usually R $ 15,000 per month. The bank can ask for documents such as proof of income and residence.
After submitting the application, HSBC will evaluate your financial profile and if approved, the card will be sent to the address you have provided.
Please note that the HSBC Elite card can only be requested by bank customers. If you are not yet a customer, you will need to open an account before making the request.
The process may take a few days, depending on the analysis. If approved, you will receive guidance on card usage and available benefits. Good shopping!
