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HSBC Platinum MasterCard(R) Credit Card | HSBC

HSBC Platinum MasterCard® credit card Guide to Benefits and Terms & Conditions brochure can be accessed here

HSBC Platinum MasterCard® credit card Rewards & Benefits brochure can be accessed here

††For illustrative purposes only. Example savings based on transfer of balance from credit card with 17.49% APR to 0% for 18 billing cycles with only minimum payments made. Your actual savings will vary.

1 The information about the costs and benefits of the card described is accurate as of 02/09/2017. The 0% Introductory APR does not apply to cash advances and overdrafts. After the Introductory Period, a variable Purchase APR of 13.49%, 17.49% or 23.49%, depending on your creditworthiness, will apply to credit card purchase balances; and a variable Balance Transfer APR of 13.49%, 17.49% or 23.49%, depending on your creditworthiness, will apply to balance transfers and credit card checks. The variable Cash APR applies to cash advances and overdrafts and is 25.49%. Your APRs may increase to the variable Penalty APR of 30.49% if you fail to make a minimum payment to us when due. These APRs will vary with the market based on the Prime Rate. For each billing cycle, variable APRs are calculated by adding a specified amount ("Spread") to the U.S. Prime Rate published in the Money Rates table of The Wall Street Journal that is in effect on the last day of the month ("Prime Rate"). If the Prime Rate changes, the new APRs will take effect on the first day of your billing

cycle beginning in the next month. The Minimum Interest Charge is $1.00. A Balance Transfer Fee of either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check. A Cash Advance Fee of either $10 or 4%, whichever is greater, will apply on each cash advance transaction. An Overdraft Transaction Fee of either $10 or 4%, whichever is greater, will apply on the overdraft amount, if applicable. There is no Annual Fee or Foreign Transaction Fee.

We may change the terms on your Account. This may include changing, adding, or removing terms. We may do this in response to the legal, business, competitive environment or other reasons not listed here. We may increase the interest rate on existing balances in limited circumstances. Changes to some terms may require at least 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Account.

2 Certain restrictions, limits and exclusions apply. Benefits may not be offered in every state. Coverage may be underwritten and managed by companies that are not affiliated with MasterCard®, orHSBC Bank USA, N.A.See the HSBC Platinum MasterCard® credit card Guide to Benefits and Terms & Conditions brochure for full details.

HSBC Platinum MasterCard® credit cards are issued byHSBC Bank USA, N.A. , subject to credit approval.

MasterCard® and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated.


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