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Privileges and Rewards

One credit card, a world of rewards

The card that takes you places

HSBC Premier MasterCard ®

If you travel the world, you need a credit card with the flexibility to match. The HSBC Premier Credit Card is accepted at over 24 million locations worldwide. It comes with a credit limit that can accommodate your lifestyle and free membership to a rewards programme that will invigorate the most weary of travellers.

  • An exclusive credit card bearing the HSBC Premier logo with higher limit.
  • Lower purchase and cash advance interest rates.
  • High cash advance limit to meet your daily needs.
  • Credit card and supplementary card with no annual fees.
  • Supplementary credit cards for you or your child with full emergency assistance and support plus a credit limit that you control.
  • A rewards programme that entitles you to superb offers on shopping, dining, entertaining and travel experiences around the world.
  • Emergency cash advance of US $2,000 and next-day card replacement in the event of theft or loss
  • Emergency, transportation/accommodation and personal international services that you may need during your trips abroad; as well as travel, home assistance, social services in your country.

Privileged Prices, Fees, Rates

  • Time Deposit: Higher interest rates for your TRY and FX time deposits.
  • Investment Products: Preferential rates and prices for all investment products, and transaction commissions lower than the Standard HSBC Turkey rates.

    • Treasury Bills, Government Bonds, Eurobond, FX or FX indexed bonds
    • Spot and Forward FX transactions
    • Mutual Funds
    • Equity Transactions
    • Portfolio Management
    • Structured Products
  • Consumer Loans: Lower interest rates for any Car, Mortgage, Personal or Personal Finance Loans you may need.
  • Overdraft Account: Available credit with a high limit that you can use to meet your urgent needs and a lower overdraft interest rate.
  • Transaction Fees: Discounts for banking transaction fees.
  • Statement Fees: All statements are free.
  • Money Transfers: FX transfers coming from HSBC Group Banks are free.
  • Safe Box: Discount for safe keeping fees.

HSBC Premier Virtual Card

Credit card providing safe Internet purchases.

HSBC Premier Credit Card Assurances

Lost / Theft Protection

In case of your HSBC Premier Credit Card is lost or stolen, the financial loss resulting from its fraudulent use by third parties, is not reflected in your bank statement from the moment the lost/theft claim is made and will be covered by HSBC. We would like to remind you that according to law you will be responsible to cover a limited amount of 150 YTL of your financial loss due to fraudulent use of your credit card within the 24 hours prior to lost/theft claim. If you have not made a claim within the first 24 hours of loss/theft, you cannot be eligible for the lost/theft benefit. You may call 444 0 112 and require that this legal responsibility of yours get insured with the condition of paying the cost of insurance policy premium. Please call HSBC Premier Telephone Banking 444 0 112 for detailed information.

Purchase Protection

A good that has been bought with your HSBC Premier Credit Card is protected for 2 months within determined limits against pilferage or accidental damage.

Protection Limits

  • The amount of benefit per good is 25 YTL at minimum and 500 YTL at maximum. Goods that are less or over than those amounts, are excluded from the caution.
  • In the case that multiple goods get damaged or stolen at one time, a maximum amount of 500 YTL of benefit will be paid no matter what the value of the goods are worth.
  • Total maximum payment per customer per year is 3,000 YTL. In this period of time (1 year) if a payment of 3,000 YTL has been done to the customer, it means that the customer has filled the annual limit and no payments are done for any occurrences in the same year.

Please call HSBC Premier Telephone Banking 444 0 112 for detailed information.

Personal Accident Insurance

HSBC Premier Credit Card holders are under assurance of Personal Accident Insurance with a benefit of 50,000 USD against unexpected accident related death, permanent disability and loss of an organ that might occur during domestic and international travels of which’s tickets are bought with HSBC Premier Credit Card. Furthermore, in the case that the insurance holder is hospitalized as a result of any accident, expenses up to 10,000 USD are included in treatment expenses benefit.

Please click here to find out the benefiting conditions of HSBC Personal Accident Insurance

Requirements for benefiting from the insurance:

It is required to pay at least 50% of the travel ticket fee with HSBC Premier Credit Card, in cases that the travel is not made by plane/bus/ship/train, it is required to pay travel/hotel accommodation fee with HSBC Premier Credit Card or TravelPoint*. The incident has to occur in the first 90 days of the travel**. Required documents have to be delivered in 30 days in case of a damage occurrence.

Who can benefit from Personal Accident Insurance?

All HSBC Premier Credit Cart owners and children aged up to 18 (students up to 23) who travel with the cardholders are under assurance. Death guarantee is limited with USD 10.000 for children aged under 18.

Luggage Lost/Detention Insurance

HSBC Premier Credit Card holders are under USD 500 of benefit for luggage loss and USD 100 of benefit for detention in cases that luggage (including check-in made luggage) get lost or suffer damage because of detention or bad delivery or customers are devoid of their luggage at least 12 hours and necessary clothing and cleaning materials are needed to be bought urgently.

Please click here to find out the benefiting conditions of HSBC Luggage Insurance.

Requirements for benefiting from the insurance:

It is required to pay at least 50% of the travel ticket fee with HSBC Premier Credit Card*. The incident has to occur in the first 90 days of the travel. Required documents have to be delivered in 30 days in case of a damage occurrence. It is required to be devoid of luggage at least 12 hours to compensate customer, if the check-in made luggage gets lost or suffer damage because of detention or bad delivery. Any kinds of cash, cheque, bill, electronic good and jewelry are excluded from the benefit.

Who can benefit from Luggage Lost/Detention Insurance?

All HSBC Premier Credit Card owners and children aged up to 18 (students up to 23) who travel with the cardholders are under assurance.

HSBC Premier Education Insurance

Your children are precious for us as well...

With Premier Education Insurance, especially designed for HSBC Premier Customers, you can ensure a safe future for your child by covering his/her care and education costs against the risk of your death or permanent disability caused by accidents, earthquakes or terrorism.

Features and Advantages

  • An exclusive credit card bearing the HSBC Premier logo with higher limit.
  • HSBC Premier Education Insurance is only valid for a year. In case of life loss or permanent disability of the insured, the benefit that is stated in the policy upon your request is paid to the beneficiaries within the period that you choose and stated in the policy.
  • You can set the benefit amount in USD or EURO and choose the length of the benefit payment term as 5, 8 or 10 years according to your child’s needs.
  • Premiums can be paid in 11 equal installments or in a single payment with a 6% full payment discount.
  • Only those who are residing in Turkey is eligible for HSBC Premier Education Insurance, corporate identities cannot benefit from the insurance.

Benefits

Personal Accident, Loss of Life: In case the insured person passes away as a result of an accident, earthquake or terrorist activity, the benefit amount stated in the policy will be paid to the beneficiaries during the benefit period stated in the policy.

Personal Accident, Permanent Disability: In case the insured person is permanently disabled as a result of an accident, earthquake or terrorist activity, the permanent disability benefit stated in the policy will be paid to the insured during the benefit period stated in the policy in accordance with the degree of disability. For further information about HSBC Premier Education Insurance benefits&limits, and its coverage please refer to HSBC Premier Telephone Banking 444 0 112. Additionally, all information regarding your insurance will be included in the policy you will receive.

HSBC Premier Travel Insurance

HSBC Premier Travel Insurance, designed specifically for HSBC Premier customers, provides you with necessary accident and treatment benefits during international travels with a single application.

HSBC Premier Travel Insurance Coverage

  • HSBC Premier Travel Insurance covers all injury and medical emergency expenses related to the accidents, which might occur during international travels, within the limits stated in the insurance policy.
  • HSBC Premier Travel Insurance is valid only for one year stating from issue date of the policy, in all over the world except for in Turkey, Iraq and Afghanistan.
  • Premier Travel Insurance is valid for one year starting from the initial date of the policy.
  • HSBC Premier Travel Insurance is limited only for a time period of 45 days for each international travel. The policy is not valid for international travels that exceed 45 days at a time.
  • HSBC Premier Travel Insurance is a product of AIG Insurance, specially designed for HSBC Premier customers between the ages of 18 - 85, residing in Turkey and not for corporate identities.

For further information about HSBC Premier Education Insurance benefits & limits, and its coverage please refer to HSBC Premier Telephone Banking, 444 0 112. Additionally all information regarding your insurance will be included in the policy you will receive.

HSBC Premier Credit Card Interest Rates

HSBC Premier Card Purchase Interest Rate is 4,35% All rates are quoted per month, unless otherwise stated, and are subject to change. HSBC Premier Card USD Interest Rates will be 2,54% Purchase, 3,11% Delinquency as of 01 July 2008

Advantage Cash & Travel Points

  • Chance of gaining Advantage Points instantly through your purchases, one payment or multiple-instalment purchases at Advantage merchants, cash advance transactions and credit card debt payments that you have made with your HSBC Premier Credit Card.
  • The ability to use the Advantage Cash Points at Advantage merchants as cash.
  • Chance of gaining Advantage Travel Points instantly through all your purchases, one payment or multiple-installment purchases at Advantage merchants.
  • Ability to make reservations and obtain free/discounted airline tickets for any airline and any international flight.
  • Possibility of converting your economy class airline ticket to business or first class ticket.
  • Opportunity of benefiting from many domestic/international tour services and hotel reservations.
  • Opportunity of benefiting from domestic bus travels.
  • The possibility of paying the difference with your HSBC Premier Credit Card in the event that your points are not sufficient.
  • Free delivery of your airline tickets and vouchers for hotel reservations to your address.
  • Opportunity of using Advance CashPoints. Even if you do not have sufficient Advantage CashPoints, you may use up to 300 YTL Advance CashPoints and you may still benefit from free travel and accommodation services of Advantage TravelPoints. For detailed information please call 444 0 112.

To use your travel points; you can visit one of HSBC Bank branches or call HSBC Premier Telephone Banking 444 0 112.

Priority Pass Program

You can enjoy access to exclusive airport VIP lounges in more than 90 countries and 500 airports by your Priority Pass Card where you can easily own by calling 444 0 112 HSBC Premier Telephone Banking.

With your Priority Pass Card, you and your guests can escape from the chaos of busy and packed lounges just for 30 USD fee per person and you can benefit from the luxurious and comfortable environment with fax, telephone or internet facilities of the lounges. Priority Pass Card provides you exclusive privilege no matter which airline and class you fly.

To get more information about Priority Pass program and member airports, please call HSBC Premier Telephone Banking 444 0 112 or visit www.prioritypass.com

2008 Special Discounts for Premier Customers

You can feel the pleasure of being a HSBC Premier customer in selective points as follows.

Bilkent Hotel and Conference Center, Ankara Up to 20% off accommodations
15 % off dining in restaurant.
Bosphorus Palace Hotel 15% off accommodations
Ev Hotel, Bodrum 10% off for extras,one free bottle of Selective Wine to room,free one hour massage and beach transfer
Hilton wine offered to room
Sheraton Çeşme 10% off accommodations,15% off thermal care programmes,15% Botanica Thermal SPA membership
Flavius 20% off care programmes
Fuga Fine Times 15% off accommodations
Radisson SAS Bosphorus,İstanbul 15% off including Saturday&Sunday accommodations,one free dinner
The Ritz Carlton ®, İstanbul 10% off face and body treatment in Levada Spa,early reservation in Çintemani Restaurant
Hotel Les Ottomans,İstanbul 5% off accommodations,SPA treatments and in restaurants
Lykia World, Antalya&Ölüdeniz 15% off accommodations+10% off for extra, such as drinks, outdoor activities, sauna etc.
Sumahan On The Water Free dinner in Teras Cafe Restaurant in case of 2 days accommodations
Jasmine Court Hotel 25% off accommodations,%10 off extras and a free drink in Babacakka Restaurant
Sungate Port Royal 10% off accommodations and 5% off Spa

Home & Away

You can access Home&Away a privileged programme full of advantageous and special discounts to Premier Credit Card holders all over the world from the HSBC Premier web site.

Turkey Guide

  • Istanbul Guide is a special guide for HSBC Premier customers that can help you find your way in Istanbul.
  • Other links that you could get information about Turkey:

    - www.kultur.gov.tr

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