HSBC Mastercard Review 2023
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Extended warrantyReceive double the manufacturer's warranty (up to 1 full year) for items purchased on your HSBC Mastercard.
- This card does not offer any rewards.
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Secure account transactionsChip & PIN technology helps reduce the possibility of your HSBC Mastercard being used by someone else.
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Save time with tap & goThe contactless feature makes your shopping even easier.
The information related to HSBC Mastercard has been collected by My Rate Compass and has not been reviewed or provided by the issuer or provider of this product or service.
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Priority airport services
No
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Airport lounge access
No
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Concierge service
No
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Balance protection(Optional)
No
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Purchase Security & Extended Protection Insurance
NO
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Flight delay insurance,Baggage Insurance
No
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Vehicle rental insurance
No
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Travel accident insurance
No
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Travel medical insurance
No
- Annual Fee: $0
- Additional Card Fee: $0
- Purchases Interest Rate: 19.9%
- Cash Advance Interest Rate: 22.9%
- You're a Canadian resident
- You've reached the age of majority in your province or territory
- Extended warranty
This is the standard HSBC Mastercard card, which is an ideal choice for everyone who needs a regular credit card that comes with all the standard perks. The HSBC Mastercard® comes at an annual fee of $0, with an interest rate on purchases of 19.9%, and an interest rate on balance transfers and cash advances of 22.9%.
With this card, you can also double your warranty period for any item you purchase, up to one full year. Optionally, you can get travel and medical insurance for an extra $69 a year. If you travel a lot, getting insurance is definitely a smart thing to do.
Lastly, the HSBC Mastercard® offers you secure card transactions thanks to the Pin & Chip technology, plus it features the tap & go technology to allow you to pay with ease, contactless. Unfortunately, this card does not offer you any rewards or travel points whatsoever, plus it doesn't allow you to get travel insurance, medical insurance or car rental insurance.
There are other cards from HSBC, such as the HSBC World Elite Mastercard®, that offer you cash back, bonus points, and a wide range of insurance options.
Special Offer:
Life’s back in session. Enjoy it with an extra 10% back.*
Apply for a Tangerine Money-Back Credit Card by July 5 th, 2023 and earn an extra 10% back (up to $100) when you spend up to $1,000 in everyday purchases within your first 2 months.*
Always-On Offer:
Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all other purchases.
Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.
No limit on the amount of Money-Back Rewards you can earn.
Change your 2% Money-Back Categories to suit your spending.
Balance transfer offer:
During your first 30 days, transfer balances and pay only 1.95% interest on the transferred balance for the first 6 months†.(with a 1% fee)
Earn 2% Money-Back Rewards on purchases in up to 3 categories of your choice with the Tangerine Money-Back Credit Card, and 0.50% Money-Back Rewards on all other purchases.
Tangerine Money-Back Features
- 2% Rewards in your chosen categories
- Get 0.50% money back on all other everyday purchases.
- Money-Back Rewards are earned automatically and paid monthly, and can either be applied towards your Credit Card balance or redeemed into your Savings Account.
- No limit on the amount of Money-Back Rewards you can earn.
- Change your 2% Money-Back Categories to suit your everyday spending.
Optimizing your 2% Money-Back Categories to suit your everyday spending has never been easier. Choose your categories to earn the most money back.
Tangerine Money-Back Credit Card 2% Cash Back Categories:
- Grocery
- Furniture
- Restaurants
- Hotel-Motel
- Gas
- Recurring Bill Payments
- Drug Store
- Home Improvement
- Entertainment
- Public Transportation and Parking
Tangerine Money-Back Credit Card Fees:
- Annual: $0
- Balance transfer: 3% with $5 minimum
- Cash advance: $3.50 inside Canada, $5 outside Canada, plus 19.95% interest on overdue amounts
- Foreign transaction: 2.5% per transaction
- Missed or late payments: increased interest rates to 24.95% on all purchases
- Over limit: $25 (Tangerine does not allow you to go over your limit unless the transaction was pre-approved)
Tangerine Money-Back Credit Card Rewards Features
- Get 0.50% money back on all other everyday purchases.
- Money-Back Rewards are earned automatically and paid monthly, and can either be applied towards your Credit Card balance or redeemed into your Savings Account.
- No limit on the amount of Money-Back Rewards you can earn.
- Change your 2% Money-Back Categories to suit your everyday spending.
Tangerine Money-Back Credit Card Insurance
- Purchase Assurance and Extended Warranty– For most new purchases made anywhere in the world using your Tangerine Money-Back Credit Card, you may receive a lifetime maximum of up to $60,000 for the following insurance coverage:
- Purchase Assurance to automatically cover loss, theft or damage on most new insured items for 90 days from the date of purchase
- Extended Warranty which may double the period of repair services to a maximum of one year
Free cards for Authorized Users on your Account
Mastercard® accepted worldwide at more than 24 million locations in over 210 countries
Mastercard Zero Liability
Mastercard Tap & GoTM
Scotiabank American Express® Card review
Earn up to 12,000 bonus Scene+™ points in your first year (that's up to $120 towards travel) - Offer ends April, 30 2023
Great reasons to get this card for your everyday purchases
Book travel and redeem easily
Use your Card and book travel through Scotia Rewards Travel Service, a full-service travel agency.
Redeem for travel anywhere, anytime, with no travel restrictions
Enjoy benefits
Access to special offers, merchandise, rewards and more
Peace of mind for every trip
Travel without worry with our travel insurance package
Tangerine World Mastercard Review 2023
Special Offer:
Apply for a Tangerine World Mastercard® by July 5, 2023 and earn an extra 10% back* (up to $100) when you spend up to $1,000 in everyday purchases within your first 2 months.
Always-On Offer:
Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all other purchases.
Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.
No limit on the amount of Money-Back Rewards you can earn.
Change your 2% Money-Back Categories to suit your spending.
Author Bio
Mohamed Konate is a personal finance expert, blogger, and marketing consultant based in Toronto. He is a former financial services professional who worked at major Canadian financial institutions for many years. He managed the marketing strategy around various financial products ranging from credit cards to lines of credit. Mohamed is passionate about personal finance and holds a Bachelor's in Business Administration from the University of Quebec (Montreal) and a Master's in International Business from the University of Sherbrooke (Quebec). He is also the author of the Canadian Credit Card Guidebook and earns rewards with the American Express Cobalt credit card.
