Credit calendar

HSBC Premier credits

Every recurring credit on the HSBC Premier, with the cap, cycle and reset date that decide whether you actually capture it.

Card terms last verified against issuer pages on 2026-09-20.

The short answer

The HSBC Premier carries 4 recurring statement credits worth $345 a year. 0 reset on the calendar year and expire on 31 December; 4 reset on your account anniversary. 3 are capped monthly and cannot be carried forward.

$345face value a year, against a $95 fee

0expire on 31 December

3capped monthly or quarterly, so they cannot be carried forward

Resets on the calendar year, expiring 31 December

Resets on your cardmember year

Credit

Windows in a year

Each

A year

$10 Monthly Instacart+ Credit enrol first Get up to $140 annually with Instacart+. When you sign up as a new member, receive 2 free months of Instacart+ and $10 off your second order each month when you use your HSBC Premier credit card.

Monthly, resets on the cardmember year

$10

$140

Global Entry/TSA PreCheck Credit Speed up airport screening with up to $85 towards Global Entry, TSA PreCheck, TSA PreCheck by Clear, or NEXUS once every 4.5 years. This statement credit applies automatically when you use your Premier credit card to pay for these trusted traveler programs.

Once a year, resets on the cardmember year

$85

$5 Monthly TV Streaming Credit Receive up to $60 in statement credits annually when you pay for your TV streaming subscription. You will automatically receive up to $5 each month when you pay for your streaming subscription using your Premier Credit Card.

Monthly, resets on the cardmember year

$60

$5 Monthly Lyft Credit Take 3 rides, and get a $5 Lyft App credit every month with your Premier credit card. Use your HSBC Premier credit card to pay for your rideshare and automatically receive $5 each month when you make qualifying rideshare purchases.

Monthly, resets on the cardmember year

$60

The monthly credits are the ones people lose

$10 Monthly Instacart+ Credit, $5 Monthly TV Streaming Credit, $5 Monthly Lyft Credit are capped per month. An unused month does not roll forward, so the annual figure the card is marketed on assumes you spend at those specific merchants every single month. Most people do not, which is the single biggest gap between a premium card's advertised credit value and what it is worth to you.

Questions people ask

When do the HSBC Premier credits reset?

All 4 reset on your cardmember year — that is, your account anniversary date, not 1 January.

Which HSBC Premier credits require enrolment?

1 of 4: $10 Monthly Instacart+ Credit. Enrolment is not retroactive at most issuers, so a purchase made before you enrol usually will not be credited.

How much are the HSBC Premier credits worth in total?

$345 a year at face value, against a $95 annual fee. That is the sum of the caps, not what a typical cardholder captures — 3 of them are monthly and expire unused each month, and each is restricted to specific merchants.

Verified 2026-09-20. See the full HSBC Premier page, or every credit across every card.