The HSBC Premier World Elite Master is a personal credit card from HSBC Premier World Elite Master. Application typically pulls a hard report from Experian. The annual fee is $495. The ongoing APR is 19.49% to 23.49%. Signup bonus: Earn 60,000 Welcome Bonus Points, worth up to $900 in travel, when booked through HSBC Travel, after spending $4,000 in the first 3 months. Rewards: 5× Points on travel, 2× Points on dining, 1× Points on all other purchases. Requires HSBC Premier checking account. 3x points on travel, 2x on dining, 1x everything else. No foreign transaction fee. Airport lounge access. $0 for authorized users. Waived for HSBC Private Banking clients. Equifax pull.