Card

HSBC Business Mastercard®

Make your business expenses more rewarding

With the HSBC Business Mastercard in your wallet, you can have an interest-free repayment period of up to 56 days, earn RewardCash on card spending and enjoy an array of privileges including travel and digital protection.

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From now until 30 April 2023, enjoy a welcome offer of up to $6,600 RewardCash

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Features and benefits

Why you'll want it

Seize more business opportunities

Receive a warm welcome from over 45 million establishments worldwide
Interest-free repayment period of up to 56 days
Access cash advance at ATMs

Earn RewardCash and enjoy discount offers from merchant all year round

Enjoy $1 RewardCash for every HKD250 spend
Double rewards for overseas and online spending on World Business Mastercard
Enjoy an array of privileges including travel and digital protection
Redeem a range of gifts and merchant vouchers or convert them into miles

Stay in control

Individual credit limits can be assigned on a card-by-card basis
Monitor company expenses through management information reports detailing individual card activities

Digital card services at your fingertips

Apply online for additional cards and higher credit limit through Business Internet Banking

Business Card Rewards Programme

Earn RewardCash while spending with your Business Mastercard and choose your own Reward option:
1. RewardCash – Earn $1 RewardCash for every HKD250 you spend on your Business Mastercard. You can use RewardCash to redeem a range of gifts and merchant vouchers or convert RewardCash into miles through our Mileage Programme in our comprehensive Business Card Rewards Programme.
2. Cash Rewards Scheme - Once registered, all the RewardCash you earn from spending with your Business Mastercard will be automatically converted into an equivalent amount of cash credit every month (i.e. every $1 RewardCash equals HKD1 cash credit).
You can also register for the Consolidated Rewards option. Once registered, all the RewardCash or cash rebates that earned from all Business Mastercards under the same company will automatically be transferred to one nominated Business Mastercard account for the respective cardholder to use.
Double rewards for overseas and online spending while spending with your World Business Mastercard – that’s $2 RewardCash for every HKD250 of eligible spending.
Enjoy discounts and offers from a range of hotels and restaurants and other companies.

_{Consolidated Rewards - all the RewardCash or cash rebates earned from all the Business Cards in respect of the same company will automatically be transferred to one nominated Business Card account. Individual Rewards option - The RewardCash or cash rebates earned by each cardholder will be accumulated in his/her individual Business Cardholder's account. Each individual cardholder can choose his/her own Rewards option.}

Free airport services at Plaza Premium Lounges

Up to 4 complimentary access per calendar year to over 70 designated Plaza Premium Lounges around the world. Please visit Plaza Premium Lounge's website and browse the list of lounges under “Find Lounges”. For more details, please contact Plaza Premium Lounge on +852 3960 1396.

_{Complimentary visits to Plaza Premium Lounges only; excluding Plaza Premium First. Cardholder must present a valid boarding pass or air ticket during the visit.}

Free travel insurance (World Business Mastercard only)

When you buy travel tickets with your World Business Mastercard, you will receive free travel insurance for up to seven days, including coverage for personal accidents worth up to HKD1 million and for inconveniences such as travel delays and lost baggage.

For more details, please contact AXA's Insurance Hotline on +852 3070 5000 or Claims Hotline on +852 2894 4713.

_{The above policy is underwritten by AXA General Insurance Hong Kong Limited ("AXA"), which is authorised and regulated by the Commissioner of Insurance of the Hong Kong SAR. AXA will be responsible for providing your insurance coverage and handling claims under the terms and conditions of the policy. The Hongkong and Shanghai Banking Corporation Limited ('HSBC') is an insurance agent authorised by AXA for distribution of general insurance products.}

Global data roaming by Flexiroam (World Business Mastercard only)

eCommerce purchase protection

Protect your online purchase when the item does not arrive, arrived damaged or does not match the seller’s description, and seller failed to refund. Coverage up to USD500 per occurrence and annually for World Business Mastercard, and up to USD200 per occurrence and annually for Platinum Business Mastercard.

_{The eCommerce purchase protection insurance is underwritten by AIG Asia Pacific Insurance Pte Ltd, to which Mastercard is the Policyholder. Details and claims are subject to the applicable terms and conditions for World Business Mastercard and Platinum Business Mastercard.}

Mobile phone protection (World Business Mastercard only)

Protect against accidental damage and theft for your mobile phone up to USD600 per occurrence and up to USD1,000 annually when your recurring mobile phone bill is charged to HSBC World Business Mastercard.

_{The Mobile Phone Protection insurance is underwritten by AIG Asia Pacific Insurance Pte Ltd, to which Mastercard is the Policyholder. Details and claims are subject to the applicable terms and conditions.}

Free corporate liability coverage up to USD1.5 million per company per year

Free Corporate Liability Waiver Insurance to protect your company against eligible losses that might be incurred if an employee misuses a card.

_{The Corporate Liability Waiver Programme protection insurance is underwritten by AIG Insurance Hong Kong Limited, to which HSBC is the assured. To obtain the details and the Terms and Conditions of the Corporate Liability Waiver Programme, please contact AIG Insurance Hong Kong Limited. Claims are subject to the applicable terms and conditions.}

Mastercard Easy Savings Specials

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How to apply

Existing HSBC Commercial Banking Customers

Log on to HSBC Business Internet Banking to apply for the card following the step-by-step application guide.

Not a Business Internet Banking registered user?

or submit a paper application form to HSBC Business Centre

Don’t yet have an HSBC Business Integrated Account?

You can now apply for an HSBC Business Mastercard together with the HSBC Business Integrated Account.

or arrange a call back

Issued by the Hongkong and Shanghai Banking Corporation Limited ("the Bank") in Hong Kong, Business Cards are available exclusively to HSBC Commercial Banking customers. If a customer's application on World Business Mastercard cannot be approved, the Bank might issue a Platinum Business Mastercard based on the approval result. The Bank reserves the final decision on the card type to be approved.

Learn more

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Credit Card Interest-free Instalment Plan

Interest-free Spending Instalment Plan

Reminder: “To borrow or not to borrow? Borrow only if you can repay!”

HSBC has not authorised or appointed any intermediaries to conduct telesales marketing activities for promotion of commercial lending / commercial cards.