HSBC Premier World
Mastercard
®
credit card
Program Rules Rewards Brochure
08/2024
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Table of contents
Travel Benefits
Security Screening Statement Credit .......................................................................................................................... 3
Travel Accident Insurance ........................................................................................................................................... 4
Trip Cancellation & Trip Interruption Insurance ........................................................................................................... 6
TV Subscription Streaming Statement Credit ............................................................................................................. 7
Agoda 10% Hotel Discount ......................................................................................................................................... 8
Expedia 10% Hotel Discount ....................................................................................................................................... 8
HSBC Premier World Rewards Program
Program Rules ............................................................................................................................................................. 9
Points Redemptions
Cash .......................................................................................................................................................................... 12
Pay with Rewards ...................................................................................................................................................... 12
Annual Fee Reimbursement ...................................................................................................................................... 12
Travel ......................................................................................................................................................................... 12
Rewards for Miles ..................................................................................................................................................... 13
Gift Cards/eGift Cards ................................................................................................................................................ 14
Charity ....................................................................................................................................................................... 14
Amazon Shop with Points ......................................................................................................................................... 15
Merchandise .............................................................................................................................................................. 15
Address Changes....................................................................................................................................... 16
Other Important Information ............................................................................................................ 16
This brochure is eective August 6, 2024 and replaces all prior brochures. To the extent there is a conflict between this brochure
and any other disclosure, program description or advertising by any party, this brochure will control.
This brochure is for informational purposes and does not represent a contract or other agreement. Please review carefully.
Travel Benefits
Security Screening Statement Credit
As an HSBC Premier World Mastercard® cardmember, you are eligible for one Global Entry Application Fee Statement Credit, one
TSA PreCheck Application Fee Statement Credit, one TSA PreCheck by CLEAR Application Fee Statement Credit or one Nexus
Application Fee Statement Credit, up to a maximum of $85. Once 54 months has passed from a Statement Credit posting to
your account, the account will be eligible for another statement credit. Only one statement credit will be issued even if multiple
applications were created at the same time.
Transaction eligibility is based on the transaction description and merchant category code (“MCC”) under which the merchant
processes the transaction. HSBC is not responsible for 1) the merchant’s transaction description, 2) the exclusion of merchants
within a merchant category code, 3) delays in the merchant submitting the transaction or 4) if the transaction date provided by the
merchant diers from your actual purchase date. Once processed, the statement credit should appear within 1(one) – 2 (two) billing
cycles.Statement Credit eligibility is determined at the time of your statement cycle. If the qualifying transaction(s) have not yet
posted to your account, your Statement Credit may be received on a subsequent billing statement. To receive the statement credit,
your HSBC Premier Credit Card must be open and in good standing at the time of statement credit to qualify.
Trusted Traveler Programs
A Trusted Traveler membership allows international travelers to get on their way quickly and easily by using automated kiosks when
entering the United States. Cardmembers can apply online at https://ttp.dhs.gov/
About Global Entry
Global Entry is a U.S. Customs and Border Protection (CBP) program that allows expedited clearance for pre-approved, low-risk
travelers upon arrival in the United States. Members enter the United States by accessing the Global Entry processing technology
atselected airports.
Best For:Frequent international travelers (4+ trips per year)
Interview Locations:Selected international airports
Eligibility: U.S. citizens, U.S. lawful permanent residents, and select foreign nationals
About TSA PreCheck®
The TSA PreCheck®program expedites traveler screening through participating TSA security. No need to remove shoes, belts, 3-1-1
liquids, laptops, or light jackets.
Best For:All travelers
Enrollment Locations:650+ Enrollment Centers
Eligibility: U.S. citizens, U.S. nationals and U.S. lawful permanent residents
About NEXUS
The NEXUS program allows pre-screened travelers expedited processing when entering the United States and Canada. Program
members use dedicated processing lanes at designated northern border ports of entry, NEXUS kiosks when entering Canada by
air and Global Entry kiosks when entering the United States via Canadian Preclearance airports. NEXUS members also receive
expedited processing at marine reporting locations.
Best For:Frequent travel between U.S. and Canada.
Interview Locations:Selected oces and international airports along the U.S. - Canada border
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ligibility: U.S. citizens, U.S. lawful permanent residents, Canadian citizens, Canadian permanent residents, and Mexican nationals
Disclaimer
Any Trusted Traveler Program is a U.S. Customs and Border Protection (CBP) program. Decisions to approve/deny applications
are made solely by CBP. Mastercard has no influence over CBP’s decision to approve or deny an application. Mastercard is not
notified of approvals or denials to applications. Applications are made directly by the applicant to CBP. Information submitted by the
applicant to CBP is not shared with Mastercard. Mastercard does not share account information with CBP. Mastercard does not
have access to CBP records. Application fees must be paid at time of application submission.
TSA PreCheck® by CLEAR
About TSA PreCheck® by CLEAR
TSA PreCheck® enrollment provided by CLEAR is easy because you can get the process started online and don’t need to make an
appointment to finish in-person. Simply show up at a convenient participating CLEAR location with the correct documents within
180 days to complete the application. CLEAR Members also enjoy an expedited screening process at sports stadiums and other
partner services where CLEAR is used to confirm identity.
Cardmembers can apply online at https://www.clearme.com/
Disclaimer
Decisions to approve/deny applications are made solely by the CLEAR Group. Mastercard has no influence over CLEAR’s decision
to approve or deny an application. Mastercard is not notified of approvals or denials to applications. Applications are made directly
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by the applicant to CLEAR. Information submitted by the applicant to CLEAR is not shared with Mastercard. Mastercard does not
share account information with CLEAR. Mastercard does not have access to CLEAR records. Application fees must be paid at time
of application submission.
Travel Accident Insurance
$1,000,000 Travel Accident Insurance
As a handy reference guide, please read this and keep it in a safe place with your other insurance documents. This description
of coverage is not a contract of insurance but is a summary of the principal provisions of the insurance while in eect. Complete
policy provisions are contained In the Master Policy # 9907-39-61 on file with the Policyholder:
HSBC Bank.
THE PLAN: As a HSBC Bank Consumer Credit Card Cardmember, you, your spouse, or domestic partner and your dependent
children will be automatically insured against accidental loss of life, limb, sight, speech or hearing occurring on a common carrier
covered trip while 1) riding as a passenger in, entering or exiting any common carrier on which you have purchased passage; or
2) riding as a passenger in, entering or exiting any conveyance licensed to carry the public for hire or any courtesy transportation
provided without a specific charge; and while traveling on such conveyance to or from the airport, terminal or station immediately
preceding the departure of the scheduled common carrier on which you have purchased passage or immediately following the
arrival of the scheduled common carrier on which you were a passenger; or 3) while at the airport, terminal or station at the
beginning or end of the common carrier covered trip. If the purchase of the common carrier passenger fare is not made prior to
your arrival at the airport, terminal or station, coverage will begin at the time the cost of the common carrier passenger fare is
charged to your account.
ELIGIBILITY: This insurance plan is provided to HSBC Bank Consumer Credit Card Cardmembersautomatically when the entire
cost of the passenger fare(s) are charged to an HSBC Bank Card account while the insurance is eective. It is not necessary for you
to notify HSBC Bank, the administrator or the Company when tickets are purchased.
THE COST: This insurance plan is provided at no additional cost to eligible HSBC Bank Consumer Credit Card Cardmembers.
HSBC Bank pays the full cost of the insurance.
BENEFICIARY: The Loss of Life benefit will be paid to the beneficiary designated by you. If no such designation has been made,
that benefit will be paid to the first surviving beneficiary in the following order: a) your spouse, b) your children, c) your parents, d)
your brothers and sisters, e) your estate. All other indemnities will be paid to you.
THE BENEFITS: The full Benefit Amount is payable for accidental loss of life; loss of speech and loss of hearing; loss of speech
and one of loss of hand, foot or sight of one eye; loss of hearing and one of loss of hand, foot or sight of one eye; loss of both
hands, both feet, loss of sight or any combination thereof. 50% of the Principal Sum is payable for accidental loss of hand, foot or
sight of one eye (any one of each); loss of speech or loss of hearing. 25% of the Principal Sum is payable of loss of thumb and index
finger of the same hand. “Benefit Amount” means the Loss amount at the time the entire cost of the passenger fare is charged to
an eligible card account. The loss must occur within one year of the accident. The Company will pay the single largest applicable
Benefit Amount.
ACCOUNT AGGREGATE LIMIT OF INSURANCE: If more than one Insured Person insured under the same Account suers a
loss in the same accident, we will not pay more than two times the applicable benefit amount (the aggregate limit of insurance). If
an accident results in benefit amounts becoming payable, which when totaled, exceed two times the applicable benefit amount,
then the aggregate limit of insurance will be divided proportionally among the Insured Persons, based on each applicable benefit
amount.
DEFINITIONS: Accident or Accidental means a sudden, unforeseen and unexpected event which happens by chance, is
independent of illness, disease or other bodily malfunction or medical or surgical treatment thereof, occurs while you are insured
under this policy which is in force and is the direct cause of the loss. Accidental Bodily Injury means bodily injury which is
accidental, the direct cause of a loss and occurs while you are insured under this policy, which is in force. Accidental Bodily Injury
does not include conditions caused by repetitive motion injuries or cumulative trauma not a result of an Accident, including, but not
limited to: 1) Osgood-Schlatter’s Disease; 2) bursitis; 3) Chondromalacia; 4) shin splints; 5) stress fractures; 6) tendinitis; and 7)
Carpal Tunnel Syndrome. Account means credit card accounts, debit card accounts, central bill accounts, checking accounts and
savings accounts as set forth in the policy. Accountholder means any individual who is named on an open and active account
with the Policyholder. Benefit Amount means the amount which applies to you at the time the entire cost of the fare is charged to
your account during the policy period, for the applicable hazard. Client means an individual who is named on the account card
issued by the policyholder. Common Carrier means any motorized land, water or air conveyance organized and licensed for the
transportation of passengers for hire and operated by an employee or an individual under contract. Common Carrier Covered
Trip means travel on a common carrier when the full fare for transportation has been charged to your account issued by the
policyholder. Commutation means travel between your residence and regular place of employment. Company means Federal
Insurance Company. Conveyance means any motorized craft, vehicle or mode of transportation licensed or registered by a
governmental authority with competent jurisdiction. Courtesy Transportation means transportation provided without charge by a
rental car agency, airport or hotel which transports you from the airport or station to the rental car agency or hotel or from the rental
car agency or hotel to the airport or station. Covered Loss means accidental bodily injury or loss of life of an Insured Person.
Credit card means a payment medium that takes the form of a credit card, credit plate, charge plate, courtesy card or other
identification card or device issued to you. You may use the credit card to purchase, hire, rent or lease property or services. Credit
card does not include a debit card. Debit card means a payment medium that takes the form of a card, plate or other identification
card or device issued to you as an owner of a deposit account maintained by the issuer. You may use the debit card to purchase,
hire, rent or lease property or services. Debit card does not include credit card. Dependent Child means the primary insured
person’s unmarried child, dependent on the primary insured person for maintenance and support, under the age of 19, under the
age of 25 if enrolled as a full-time student at an institution of higher learning or classified as an incapacitated dependent child.
Domestic Partner means a person designated by the primary insured person who is registered as a domestic partner or legal
equivalent under the laws of the governing jurisdiction or who is at least 18 years of age and competent to enter into a contract; is
not related to the primary insured person by blood; has exclusively lived with the primary insured person for at least 12 consecutive
months prior to the date of enrollment; is not legally married or separated and as of the date of enrollment has with the primary
insured person at least 2 of the following financial arrangements: a joint mortgage or lease, a joint bank account, joint title to or
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ownership of a motor vehicle or status as a joint lessee on a motor vehicle lease or a joint credit card account with a financial
institution. Neither the primary insured person or domestic partner can be married to, nor in a civil union with, anyone else.
Immediate Family Member means the insured person’s spouse or domestic partner; children including adopted children or
step-children; legal guardians or wards; siblings or siblings-in-law; parents or parents-in-law; grandparents or grandchildren; aunts
or uncles; nieces and nephews. Immediate Family Member also means a Spouse’s or Domestic Partner’s children, including
adopted children or stepchildren; legal guardians or wards; siblings or siblings-in-law; parents or parents-in-law; grandparents or
grandchildren; aunts or uncles; nieces or nephews. Injury means bodily injury which is accidental; is the direct source of a loss; is
independent of illness, disease or other cause and occurs while you are insured under this policy which is in force. Loss means
accidental loss of foot, loss of hand, loss of hearing, loss of life, loss of sight, loss of sight of one eye, loss of speech, or loss of
thumb and index finger. Loss must occur within one year after the accident. Loss of Foot means the complete severance of a foot
through or above the ankle joint. We will consider such severance a Loss of Foot even if the foot is later reattached. If the
reattachment fails and amputation becomes necessary, then We will not pay an additional Benefit Amount for such amputation.
Loss of Hand means a complete severance, as determined by a physician, of at least 4 fingers at or above the metacarpal
phalangeal joint on the same hand or at least 3 fingers and the thumb on the same hand. We will consider such severance a Loss
of Hand even if the hand, fingers or thumb are later reattached. If the reattachment fails and amputation becomes necessary, then
We will not pay an additional Benefit Amount for such amputation. Loss of Hearing means permanent, irrecoverable and total
deafness, as determined by a physician, with an auditory threshold of more than 90 decibels in each ear. The deafness cannot be
corrected by any aid or device. Loss of Life means death, including clinical death, as determined by the local governing medical
authority where such death occurs within 365 days after an Accident. Loss of Sight means permanent loss of vision. Remaining
vision must be no better than 20/200 using a corrective aid or device, as determined by a physician. Loss of Sight of One Eye
means permanent loss of vision of one eye. Remaining vision in that eye must be no better than 20/200 using a corrective aid or
device as determined by a physician. Loss of Speech means the permanent, irrecoverable and total loss of the capability of
speech without the aid of mechanical devices, as determined by a physician. Loss of Thumb and Index Finger means complete
severance, through the metacarpal phalangeal joints, of the thumb and index finger of the same hand, as determined by a
physician. We will consider such severance a Loss of Thumb and Index Finger even if a thumb, an index finger or both are later
reattached. If the reattachment fails and amputation becomes necessary, then We will not pay an additional Benefit Amount for
such amputation. Physician means a licensed practitioner of the healing arts acting within the scope of his or her license to the
extent provided by the laws of the jurisdiction in which medical treatment is provided. Physician does not include you, an
immediate family member, your employer or business partner or the policyholder. Primary Insured Person means the insured
person who has a direct relationship with the policyholder. Principal Sum means the amount of insurance applicable to each
class. Proof of Loss means written evidence acceptable to us that an accident, accident bodily injury or loss has occurred.
Spouse means your husband or wife who is recognized as such by the laws of the jurisdiction in which the primary insured person
resides. War means hostilities following a formal declaration of war by a governmental authority; in the absence of a formal
declaration of war by a governmental authority, armed, open and continuous hostilities between two countries or armed, open and
continuous hostilities between two factions, each in control of territory or claiming jurisdiction over the geographic area of hostility.
We, Us and Our means Federal Insurance Company.
EXCLUSIONS: This insurance does not cover loss resulting from any Accident, Accidental Bodily Injury or Loss caused by or
resulting from, directly or indirectly 1) the Insured Person entering, or exiting any aircraft while acting or training as a pilot or
crew member. This exclusion does not apply to passengers who temporarily perform pilot or crew functions in a lifethreatening
emergency. 2) the Insured Person’s emotional trauma, mental or physical illness, disease, pregnancy, childbirth or miscarriage,
bacterial or viral infection, bodily malfunctions or medical or surgical treatment or diagnosis thereof. This exclusion does not apply
to the Insured Person’s bacterial infection caused by an Accident or by Accidental consumption of a substance contaminated
by bacteria. 3) an Insured Person’s commission or attempted commission of a felony or engaging in an illegal occupation; 4) the
Insured Person being intoxicated at the time of an Accident. Intoxication is defined by the laws of the jurisdiction where such
Accident occurs; 5) the Insured Person being under the influence of any narcotic at the time of the Accident. This exclusion does
not apply if the narcotic is taken and used as prescribed by a Physician; 6) the Insured Person participating in parachute jumping
from an aircraft; 7) the Insured Person’s suicide, attempted suicide or intentionally self-inflicted injury; 8) a declared or undeclared
War, or 9) Commutation.
CLAIM NOTICE: Written claim notice must be given to us within 20 days after the occurrence of any loss covered by this policy or
as soon as reasonably possible. Failure to give notice within 20 days will not invalidate or reduce any otherwise valid claim if notice
is given as soon as reasonably possible.
CLAIM FORMS: When we receive notice of a claim, we will send you forms for giving proof of loss to us within 15 days. If you
do not receive the forms, you should send us a written description of the loss. This written description should include information
detailing the occurrence, type and extent of the Loss for which the claim is made.
CLAIM PROOF OF LOSS: Complete proof of loss must be given to us within 90 days after the date of loss. Failure to give
complete proof of loss within these time frames will not invalidate any otherwise valid claim if notice is given as soon as reasonably
possible.
CLAIM PAYMENT: We will pay you or your beneficiary the applicable benefit amount within 60 days after we receive complete
proof of loss and if you, the Policyholder and/or the beneficiary have complied with all the terms of this policy.
EFFECTIVE DATE: Your insurance becomes eective on the latest of: the eective date of this policy, the date on which you
first meet the eligibility criteria as the Insured Person or the beginning of the period for which required premium is paid for you.
Insurance for you automatically terminates on the earliest of: the termination date of this policy, the expiration of the period for
which required premium has been paid for you, the date on which you no longer meet the eligibility criteria as the Insured Person or
the date on which we pay out 100% of the principal sum.
Policy # - 9907-39-61 Answers to specific questions can be obtained by calling 866.977.5098. To make a claim please call
855.378.9448. Plan Administrator: HSBC Travel Insurance
Marsh Sponsored Programs, a Division of Marsh USA Inc. 12421 Meredith DriveUrbandale, IA 50398
Travel Accident Insurance is underwritten by Federal Insurance Company. Coverage may not be available in all states or certain
terms may be dierent where required by state law. Chubb NA is the U.S.-based operating division of the Chubb Group of
Companies, headed by Chubb Ltd. (NYSE:CB) Insurance products and services are provided by Chubb Insurance underwriting
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companies and not by the parent company itself.
Trip Cancellation & Trip Interruption Insurance
As a handy reference guide, please read this and keep it in a safe place with your other insurance documents. This description
of coverage is not a contract of insurance but is a summary of the principal provisions of the insurance while in eect. Complete
policy provisions are contained In the Master Policy # 9907-39-62 on file with the Policyholder: HSBC Bank.
THE PLAN: As a HSBC Premier World Mastercard® Cardmember, you, your spouse, or domestic partner and your dependent
children will be automatically insured against Loss of Property arising from and occurring from the date you charged the trip to your
account, when insured under the trip cancellation hazard only.
Loss of Property means Trip Cancellation or Trip Interruption which occurs while the Insured Person is insured under this policy
which is in-force.
ELIGIBILITY: This insurance plan is provided to HSBC Premier World Mastercard® Cardmember automatically when the entire cost
for such transportation less any redeemable frequent flyer miles, coupons or certificates has been charged to the Insured Person’s
Account issued by the Policyholder. If frequent flyer miles, coupons or certificates are redeemed a charge of at least $1.00 or the
full amount due for the trip, whichever is greater, must be charged to the Account for travel to be considered a Common Carrier
Covered Trip. It is not necessary for you to notify HSBC Bank, the administrator or the Company when tickets are purchased.
THE COST: This insurance plan is provided at no additional cost to eligible HSBC Premier World Mastercard® Cardmembers. HSBC
Bank pays the full cost of the insurance.
THE BENEFITS: The following benefits apply to this policy:
Financial Services Common Carrier Trip Cancellation/Trip Interruption: pays a benefit for the actual Non-Refundable amount paid by
the Insured Person for a Common carrier passenger fare(s) up to $1,500 per Insured Person if an Insured Person is prevented from
traveling on a common carrier covered trip on or before the departure of the covered trip, or if you are interrupted from continuing
your covered trip either on the way to the point of departure or after departure of the covered trip. The cancellation or interruption
must be due to your death, accidental injury, disease or physical illness; or the death, accidental injury, disease or physical illness of
your immediate family member; or the default from financial insolvency of the Common Carrier. This benefit is excess of any other
insurance or indemnity available to you.
This benefit does not apply to loss caused by or resulting from:
• a Pre-Existing Condition; or
• Accidental Bodily Injuries arising from participation in interscholastic or professional sports events, racing or speed contests, or
uncertified scuba driving; or
• cosmetic surgery, unless such cosmetic surgery is rendered necessary as a result of a loss covered under this policy; or
• the Insured or an Immediate Family Member being under the influence of drugs (except those prescribed and used as directed
by a Physician) or alcohol; or
• the Insured or an Immediate Family Member:
– traveling against the advice of a Physician; or
– traveling while on a waiting list for specified medical treatment; or
– traveling for the purpose of obtaining medical treatment; or
– traveling in the third trimester (seventh month or after) of pregnancy.
ADDITIONAL EXCLUSIONS: 1) This insurance does not apply to any Loss of Property caused by or resulting from, directly or
indirectly, the Insured Person’s commission or attempted commission of a felony or engaging in an illegal occupation. 2) This
insurance does not apply to any Covered Loss or Loss of Property when: a) the United States of America has imposed any trade
or economic sanctions prohibiting insurance of any Covered Loss or Loss of Property; or b) there is any other legal prohibition
against providing insurance for any Covered Loss or Loss of Property. This insurance does not apply to any Covered Loss or Loss of
Property caused by or resulting from, directly or indirectly, a declared or undeclared War.
DEFINITIONS: Account means credit card accounts, debit card accounts, central billed accounts, checking accounts and savings
accounts as set forth in the Class Schedule of this Policy. Benefit Amount means the loss amount at the time the entire cost of
the passenger fare is charged to a HSBC Bank card account. The loss must occur within one year of the purchase eecting this
insurance. The Company will pay the single largest applicable Benefit Amount. Client means an individual who is named on the
Account card issued by the Policyholder. Common Carrier means any motorized land, water or air Conveyance, operated by an
organization other than the Policyholder, organized and licensed for the transportation of passengers for hire and operated by an
employee or an individual under contract. Common Carrier Covered Trip means travel on a Common Carrier when the full fare
for such transportation less any redeemable frequent flyer miles, coupons or certificates has been charged to the Insured Person’s
Account issued by the Policyholder. If frequent flyer miles, coupons or certificates are redeemed a charge of at least $1.00 or the
full amount due for the trip, whichever is greater, must be charged to the Account for travel to be considered a Common Carrier
Covered Trip. Company means Federal Insurance Company. Covered Loss means: 1) Accidental Bodily Injury or Loss of Life or
Sickness of either the Insured Person, Traveling Companion or an Immediate Family Member of the Insured Person or Traveling
Companion; or 2) change in military orders of the Insured Person or the Insured Person’s Spouse; or 3) call to jury duty or subpoena
by the courts, either of which cannot be postponed or waived; or and 4) which occurs while the Insured Person is insured under
this policy which is in-force. Covered Trip means any pre-paid tour, trip or vacation: 1) that has been charged to the Insured
Person’s Account issued by the Policyholder; 2) occurring while the insurance is in-force; 3) which includes at least one overnight
stay away from the Insured Person’s primary residence; 4) with a destination that is more than seventy-five (75) miles from the
Insured Person’s primary residence; and 5) not exceeding sixty (60) days in duration. Credit card means a payment medium
that takes the form of a credit card, credit plate, charge plate, courtesy card, or other identification card or device, issued to the
Insured Person. The Insured Person may use the credit card to purchase, hire, rent or leased property or services. Credit card does
not include a debit card. Debit card means a payment medium that takes the form of a card, plate or other identification card or
device, issued to the Insured Person who is an owner of a deposit Account maintained by the issuer. The Insured Person may use
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the debit card to purchase, hire, rent or lease property or services. Debit card does not include a credit card. Dependent Child
means the primary insured person’s unmarried child, dependent on the primary insured person for maintenance and support,
under the age of 19, under the age of 25 if enrolled as a full-time student at an institution of higher learning or classified as an
incapacitated dependent child. Domestic Partner means a person designated by the primary insured person who is registered as
a domestic partner or legal equivalent under the laws of the governing jurisdiction or who is at least 18 years of age and competent
to enter into a contract; is not related to the primary insured person by blood; has exclusively lived with the primary insured
person for at least 12 consecutive months prior to the date of enrollment; is not legally married or separated and as of the date of
enrollment has with the primary insured person at least 2 of the following financial arrangements: a joint mortgage or lease, a joint
bank account, joint title to or ownership of a motor vehicle or status as a joint lessee on a motor vehicle lease or a joint credit card
account with a financial institution. Neither the primary insured person nor domestic partner can be married to, or in a civil union
with, anyone else. Financial Insolvency means the inability of an entity to provide travel services because it has ceased operations
either following the filing of a petition for bankruptcy, whether voluntary or involuntary, or because it has ceased operations
as a result of a denial of credit or the inability to meet financial obligations. Hazard means the circumstances for which this
insurance is provided. Immediate Family Member means the insured person’s spouse or domestic partner; children including
adopted children or step-children; legal guardians or wards; siblings or siblings-in-law; parents or parents-in-law; grandparents or
grandchildren; aunts or uncles; nieces and nephews. Immediate Family Member also means a Spouse’s or Domestic Partner’s
children, including adopted children or stepchildren; legal guardians or wards; siblings or siblings-in-law; parents or parents-in-law;
grandparents or grandchildren; aunts or uncles; nieces or nephews. Incapacitated Dependent Child means a child who, as
a result of being mentally or physically challenged, is permanently incapable of self-support and permanently dependent on the
Primary Insured Person for support and maintenance. The incapacity must have occurred while the child was: 1) under the age
of nineteen (19); or 2).under the age of twenty-five (25) if enrolled as a full-time student at an Institution of Higher Learning. Loss
of Property means Trip Cancellation or Trip Interruption which occurs while the Insured Person is insured under this policy which
is in-force. Physician means a licensed practitioner of the healing arts acting within the scope of his or her license to the extent
provided by the laws of the jurisdiction in which medical treatment is provided. Physician does not include you, an immediate
family member, your employer or business partner or the policyholder. Pre-Existing Condition means illness, disease or accidental
injury of the Insured Person, Traveling Companion, Immediate Family Member of the Insured Person or Immediate Family Member
of the Traveling Companion, for which medical advice, diagnosis, care or treatment was recommended or received within the sixty
(60) day period immediately prior to the purchase of a Common Carrier Covered Trip. The taking of prescription drugs or medication
for a controlled condition throughout this sixty (60) day period will not be considered to be a treatment of illness or disease.
Primary Insured Person means the insured person who has a direct relationship with the policyholder and where applicable elects
insurance under this policy. Proof of Loss means written evidence acceptable to Us that Loss of Property has occurred. Spouse
means the Insured Person’s husband or wife who is recognized as such by the laws of the jurisdiction in which the Primary Insured
Person resides. Traveling Companion means an individual who has made advanced arrangements with the Insured Person to
travel together for all or part of the Covered Trip. Trip Cancellation means the cancellation of Common Carrier travel arrangements
when the Insured Person is prevented from traveling on a Common Carrier Covered Trip on or before the departure of the Covered
Trip. Trip Interruption means the interruption of the Insured Person’s Covered Trip either on the way to the point of departure or
after departure of the Covered Trip. War means: 1) hostilities following a formal declaration of war by a governmental authority;
2) in the absence of a formal declaration of War by a governmental authority armed, open and continuous hostilities between two
countries; or 3) armed, open and continuous hostilities between two factions, each in control of territory, or claiming jurisdiction
over the geographic area of hostility. We, Us and Our means Federal Insurance Company.
CLAIM NOTICE: Written claim notice must be given to us within 20 days after the occurrence of any loss covered by this policy or
as soon as reasonably possible Failure to give notice within 20 days will not invalidate or reduce any otherwise valid claim if notice
is given as soon as reasonably possible.
CLAIM FORMS: When we receive notice of a claim, we will send you forms for giving proof of loss to us within 15 days. If you
do not receive the forms, you should send us a written description of the loss. This written description should include information
detailing the occurrence, type and extent of the Loss for which the claim is made.
CLAIM PROOF OF LOSS: Complete proof of loss must be given to us within 90 days after the date of loss. Failure to give
complete proof of loss within these time frames will not invalidate any otherwise valid claim if notice is given as soon as reasonably
possible.
CLAIM PAYMENT: We will pay you or your beneficiary the applicable benefit amount within 60 days after we receive complete
proof of loss and if you, the Policyholder and/or the beneficiary have complied with all the terms of this policy.
EFFECTIVE DATE: Your insurance becomes eective on the latest of: the eective date of this policy, the date on which you first
meet the eligibility criteria as the Insured Person or the beginning of the period for which required premium is paid for you.
Insurance for you automatically terminates on the earliest of: the termination date of this policy, the expiration of the period for
which required premium has been paid for you, the date on which you no longer meet the eligibility criteria as the Insured Person or
the date on which we pay out 100% of the principal sum.
Policy # - 9907-39-62
Answers to specific questions can be obtained by calling 866.977.5098.
To make a claim please call 855.378.9448.
Plan Administrator: HSBC Travel Insurance
Marsh SponsoredPrograms, a Division of Marsh USA Inc. 12421 Meredith Drive Urbandale, IA 50398
Trip Cancellation & Trip Interruption Insurance is underwritten by Federal Insurance Company. Coverage may not be available
in all states or certain terms may be dierent where required by state law. Chubb NA is the U.S.-based operating division of the
Chubb Group of Companies, headed by Chubb Ltd. (NYSE:CB) Insurance products and services are provided by Chubb Insurance
underwriting companies and not by the parent company itself.
TV Subscription Streaming Statement Credit
You can earn up to $60 in statement credits annually for your cable and streaming subscriptions. You will automatically receive up
to $5 each month you pay for your streaming subscription using your Premier Credit Card.
7
HSBC Premier World Mastercard® credit cardholders (“cardholder”) are eligible to receive a streaming credit of up to $5 a month
in statement credits for subscription payments (minus returns, credits and adjustments) under the merchant category code: (MCC)
4899 Cable, Satellite, and Other Pay Television and Radio Services. Cardholders can receive up to a maximum of $60 in total
statement credits per calendar year. To receive the statement credit, your HSBC Premier World Mastercard® credit card must be
open and in good standing.
HSBC is not responsible for 1) the merchant’s transaction description, 2) the exclusion of merchants within a merchant category
code, 3) delays in the merchant submitting the transaction or 4), if the transaction date provided by the merchant diers from your
actual purchase date. If at any point you are no longer a Premier credit cardholder, you may no longer qualify to receive this oer.
Agoda 10% Hotel Discount (the “Promotion”)
• You must hold a valid HSBC Premier World Mastercard® credit card issued by HSBC Bank USA, N.A. Your Account must be
open and in good standing.
• Reservation must be made directly through www.agoda.com/HSBCPremier. Any bookings made outside this will not have the
discount applied.
• The Promotion is only valid for hotels that have the “Promotion Eligible” banner on the search results page and “Post Pay” and
“Pay Later” room types only. Rooms that have the “Pay at the Hotel” flag do not qualify for the Promotion.
• The Promotion discount is applicable to hotel room charges only (excluding local taxes, service fees and additional charges).
• The Promotion is non-transferable, non-cumulative, cannot be exchanged for cash or other products and cannot be used in
conjunction with any other discount or promotions (unless specified).
• Discount will show on the booking form of the Promotion landing page after entering a valid HSBC Premier World Mastercard®
credit card number and a selected pre-paid hotel option is selected.
• Oers are subject to availability and you must present your valid HSBC Premier World Mastercard® credit card upon arrival.
• Agoda reserves the right to launch selected and temporary “tactical oers” at higher discount levels for selected countries.
Expedia 10% Hotel Discount
• To use this oer, you must visit www.expedia.com/HSBCPremier and either register as a new user with Expedia or sign-in
with details of your existing Expedia account. To confirm eligibility, you will be required to enter your HSBC Premier World
Mastercard® credit card number which Expedia will use to authenticate you. Your Account must be open and in good standing.
• If a booking is made directly through the Expedia website, no HSBC discount will be oered and no refund will be arranged.
• This oer is only applicable to selected pre-paid hotels, room types and destinations. Please refer to the booking conditions on
Expedia’s website www.expedia.com/HSBCPremier for full details.
• The oer can only be used when payment for the hotel is made at the time of booking. No discount is provided for bookings
where payment is made when arriving or checking out of the hotel.
• Discount will show on the booking form once you have input the Expedia registered HSBC Premier World Mastercard® credit
card number for the selected pre-paid hotel.
• Oers are applicable to hotel room charges only. Local government taxes and service charges may apply.
• Oers are subject to availability and you must present your valid HSBC Premier World Mastercard® credit card upon arrival.
• Other restrictions may apply. Please refer to the booking conditions on Expedia’s website
https://www.expedia.com/g/rf/hsbc-premier-us-tnc.
8
HSBC Premier World Rewards Program
Program Rules
The HSBC Premier World Rewards Program Rules (“Program Rules”) apply to the HSBC Premier World Mastercard® credit
card (“HSBC Premier World Mastercard®” or “Account”) issued by HSBC Bank USA, N.A. (“HSBC Bank”). Engage People Inc.
(“Engage”) is the Rewards Program Administrator (“Program Administrator”). Priceline.com (“Priceline”) is the Travel Provider.
Overview
As a holder of the HSBC Premier World Mastercard® credit card (“Customer”), you are enrolled in the HSBC Premier World
Rewards Program (also referred to as the “Program”). Participation in the Program gives you the opportunity to enjoy all the
benefits of the HSBC Premier World Mastercard®, including HSBC Premier World Rewards Program Points (“Points”). With this
benefit you will earn up to3 “Points” for every dollar charged in new purchases (minus returns, credits and adjustments) using your
HSBC Premier World Mastercard® (see “Points Accumulation” for details). You may choose to use your Points towards available
redemption options described in these Program Rules, see Redemptions for more details:
• Cash
• Point Annual Fee Reimbursement
• Travel
• Gift Cards/eGift Cards
• Charity
• Merchandise Items
For your convenience, HSBC Bank maintains a Rewards Department to answer questions about the Program. Representatives will
also assist you in redeeming your Points towards available redemption options. To contact the HSBC Premier Rewards Department,
call 1.888.385.8916, or call from anywhere in the world at 1.716.841.6866.
Following are important rules that apply to the Program. Please read these Program Rules, and save them and any amendments or
supplements for future reference (See “Changes” under “Other Important Information” for details).
Each time you access and use the HSBC Rewards site, you agree to these Program Rules, the general provisions of this Agreement
and HSBC’s and Engage’s privacy statements located at, respectively, www.us.hsbc.com/online-privacy-statement/ and
www.engagepeople.com/privacy, which form a part of this Agreement.
Participation
The Program and its benefits are oered at the sole discretion of HSBC Bank. To participate, you must be:
• A Customer in good standing with HSBC Bank (see “Good Standing” for details).
• An individual – corporations, partnerships and other entities may not participate.
HSBC Bank reserves the right to disqualify any person from the Program if, in HSBC Bank’s sole judgment, that person or another
person named on the Account has violated any of these Program Rules. Disqualification may result in termination of an individual’s
participation in the Program, termination of the participation in the Program of others named on the Account and loss of any or all
accumulated Points.
Good Standing
Your Account is in good standing as long as you fully comply with the terms and conditions in your client Agreement and Account
Opening Table, as well as the terms of these Program Rules. You may not redeem Points if your Account is in default under the
most current terms and conditions of the HSBC client Agreement and Account Opening Table provided by HSBC Bank or you take
any action inconsistent with these Program Rules. This includes any amendments that may have been made to such terms and
conditions after your Account was opened.
Points Accumulation
The Program currently provides up to 3 Points for every dollar charged in new purchases (minus returns, credits and adjustments)
to your HSBC Premier World Mastercard®. Net retail purchases include all purchases you and any authorized user(s) on your
Account make for personal, family, or household use with your HSBC Premier World Mastercard®, less refunds, returns,
credits, and plus or minus any adjustments to your Account. Net purchases are calculated to the nearest cent. Points from
eligiblepurchases will be accumulated at the time the purchase is posted to your Account and will be available in your Account
within 1-2 billing cycles (see “Eligible Purchases” and “Transactions Not Eligible for Points Accumulation” for details).
You must activate your HSBC Premier World Mastercard® to earn Points. There is no annual limit on the amount of Points that can
be accumulated in an Account Year (each 12-month calendar year). Points accumulation will start from the first day in the billing
cycle in which the Customer enrolled in the Program. Customers who have opened the same credit card product within the last 36
months are not eligible to receive the Rewards Program Bonus Points oer.
Customers who have opened the same credit card product within the last 36 months are not eligible to receive the Rewards
Program Bonus Points oer.
Unless you are participating in a limited time promotional oer you will earn:
• 3 Points for every dollar you spend on new purchases (minus returns, credits and adjustments) on Gas and Grocery categories
(listed in the “Eligible Purchases” section). These categories are based on the Merchant Category Code (“MCC”) under which
the merchant processes the transaction. Transactions made at merchants that do not process under these terms or that use an
incorrect MCC will not qualify. HSBC Bank is not responsible for incorrectly coded purchase transactions. HSBC Bank does not
determine how merchants are classified; even though a merchant may sell an item that appears to fit within the listed category,
the merchant may not have a code that falls within the categories listed. HSBC Bank reserves the right to determine which gas
and grocery category purchases qualify for 3 Points.
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• 2 Points for every dollar you spend on new purchases (minus returns, credits and adjustments) on Travel categories (listed in the
“Eligible Purchases” section). These categories are based on the Merchant Category Code (“MCC”) under which the merchant
processes the transaction. Transactions made at merchants that do not process under these terms or that use an incorrect MCC
will not qualify. HSBC Bank is not responsible for incorrectly coded purchase transactions. HSBC Bank does not determine how
merchants are classified; even though a merchant may sell an item that appears to fit within the listed category, the merchant
may not have a code that falls within the categories listed. HSBC Bank reserves the right to determine which travel category
purchases qualify for 2 Points.
• 1 Point for every dollar you spend on all other new retail purchases (minus returns, credits and adjustments) (see “Eligible
Purchases” for details). From time to time, you may be oered special promotions that give you additional opportunities to earn
Points (“Bonus Points”) in other ways than described above. Promotional oers may limit the amount of Bonus Points earned.
Any transactions made with your HSBC Premier World Mastercard® credit card in a currency other than U.S. dollars will be
converted to U.S. dollars before calculating earned Points.
Your Points cannot be applied as payment or to the balance of your Account, except as specified in the section entitled
“Redemptions”. If you redeem your Points for a statement credit to your credit card Account, the statement credit can reduce your
balance but you are still required to make your minimum payment. HSBC Bank reserves the right to change or terminate Points
accumulation at any time without prior notice to the Customer (see “Other Important Information” for details).
Points Duration
Points do not expire if you have an open Account in Good Standing (see “Good Standing” for details). If there are at least 12
months of inactivity (18 months for California residents) on your HSBC Premier World Mastercard®, HSBC Bank reserves the right
to close your Account.
All accumulated Points are immediately forfeited and will not be available for redemption, unless prohibited by law, in the
following circumstances:
If HSBC Bank closes your Account due to inactivity
If you close your Account or if you are no longer an HSBC Premier World Mastercard® credit card customer.
If your Account is closed by HSBC Bank because it is not in Good Standing (see “Good Standing” for details)
If HSBC Bank terminates the Program and your Account is in Good Standing, you will have a period of time, as permitted by law, to
redeem accumulated Points from the date the Program termination is announced.
Points Combination
Points from multiple HSBC Rewards Programs or other accounts issued by HSBC Bank may not be combined or pooled for
redemption. When redeeming Points, you may use Points from only one HSBC Rewards Program Account for redemption. Any
person whose name is included on the HSBC Rewards Program account may redeem Points. HSBC Bank is not responsible and
bears no liability for disagreements between participants concerning use of Points accumulated in an HSBC Rewards Program
account.
Points Transfer to Other Parties
Points may not be transferred to others for redemption. Points are not the property of the participant in the Program. Points may not
be brokered, bartered or sold, and may not be transferred as part of a domestic relations matter.
Tax Liability
As the primary holder of the HSBC Premier World Mastercard® credit card Account, you are solely responsible for the determination
and payment of income or other tax liability related to participation in this Program. HSBC Bank does not make any representations
as to the Program participants’ current or future tax consequences as a result of the credit, transfer, use, redemption, termination or
disposition of Points.
Purchases Eligible to Earn Points
Your HSBC Premier World Mastercard® purchases are eligible for Points if they are made for your personal, family or household
use. You may make eligible purchases anywhere your HSBC Premier World Mastercard® credit card is accepted.
The eligible merchant purchase categories that you can earn 3 Points on are:
Gas Service Stationsare classified as merchants that sell fuel for consumer use and may or may not also have a convenience
store, car wash, or automotive repair shop on the premises.
Fuel Dispenser, Automatedare classified as merchants that sell automotive gasoline using typically unattended Automated Fuel
Dispensers, enabling cardholders to purchase fuel by completing the transaction at the pump.
Grocery Stores and Supermarkets are classified as merchants that sell a complete line of food merchandise for home
consumption. Food products for sale include groceries, meat, produce, dairy products, and canned, frozen, prepackaged, and dry
foods. Other products for sale may include a limited selection of housewares, cleaning and polishing products, personal hygiene
products, cosmetics, greeting cards, books, magazines, household items, and dry goods. These merchants also may operate
specialized departments such as an in-store deli counter, meat counter, pharmacy, or floral department.
The eligible merchant purchase categories that you can earn 2 Points on are:
Airlines are classified as merchants designated as air carriers and airlines.
Hotels and Motels are classified as merchants that provide lodging, and includes establishments such as “bed and breakfast”
and other inns, resorts, cabins, and hostels.
Travel Agencies are classified as merchants that primarily provide travel information and booking services. Such merchants act as
agents on behalf of travelers in booking and ticketing air, land, or sea transportation or lodging accommodations, including plane
flights, bus tours, sea cruises, car rentals, rail transportation, and lodging.
Tour Operators are classified as merchants that arrange and assemble tours for sale through a travel agent or directly to the
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consumer.
Cruise Lines are classified as merchants that provide passenger transportation on the open seas or inland waters for the purpose
of vacation or pleasure. Such merchants typically oer food, entertainment, and cabin accommodations inclusive in the fare, and
operate predefined and advertised routes.
Bus Lines are classified as merchants that provide passenger bus transportation services that operate on a regular schedule over
predetermined routes.
Automotive and Vehicle Rentals are classified as merchants that provide short-term or long-term rentals of cars, trucks, vans, or
utility trailers.
Truck Rentals are classified as merchants that provide short-term rental or long-term leasing of trucks, vans, or utility trailers used
for moving or hauling, and are rented on a do-it-yourself basis.
Boat Rentals are classified as merchants that primarily provide boat rental and leasing services, including fishing boats, non-crew
houseboats, sail boats, powerboats, jet skis, and yachts.
Motor Homes and Recreational Vehicles are classified as merchants that rent motor homes, RVs, pop-up campers, tent trailers,
and other recreational vehicles on a daily, short-term, or extended-term basis.
Campground and Trailer Parks are classified as merchants that provide overnight or short-term campsites for recreational
vehicles, trailers, campers, or tents.
Automobile Parking Lots and Garages are classified as merchants that provide temporary parking services for automobiles,
usually on an hourly, daily, or monthly contract or fee basis.
Bridge and Road Fees/Tolls are classified as merchants that collect fees associated with toll roads, highways, and bridges.
Trains are classified as merchants that provide local and suburban mass passenger transportation over regular routes and on
regular schedules, including railway commuter transportation.
Railroads are classified as merchants that provide long-distance passenger transportation which may or may not include overnight
accommodations on the train during long distance travel.
Ferries are classified as merchants that provide local and suburban mass passenger transportation over regular routes and on
regular schedules.
Limousines, Rideshare, and Taxicabs are classified as merchants that operate passenger automobile transportation services
that do not operate on a regular schedule or an established route.
Transactions Not Eligible for Points Accumulation
Any Points accumulated through purchases for business or commercial use are subject to forfeiture. Other purchases and
transactions not eligible for Points accumulation include:
• Purchases that are returned or are to be credited to your
Account.
• Money Transfers
• Cash Advances and Cash-Like Transactions • Truck Stop Transactions
• Checks. • Betting (including Lottery, Gaming Chips, Track Wagers)
• Automated Teller Machine (ATM) withdrawals. • Person-to-Person Transactions through Cash Apps (Zelle,
Venmo, Cash App and similar)
• Interest charges, Finance charges, fees and certain other
non-product/service transactions.
• Unauthorized or Fraudulent Charges.
• Balance Transfers. • Fees of any kind, including Annual fee, if any.
Statements
Your HSBC Rewards Points balance is displayed on your monthly periodic billing statement, which will reflect any Points posted as
of the date your statement was produced.
If there is no activity and no balance on your HSBC Premier World Mastercard® Account, you will not receive a monthly periodic
billing statement and you may not receive information concerning your accumulated Points. If you have questions about your
Points or redemption levels, or to obtain current Program information, please contact our HSBC Premier Rewards Department at
1.888.385.8916 or visit us online by logging into your Personal Internet Banking Account at us.hsbc.com. You may also write to
the HSBC Premier Rewards Customer Care Department, P.O. Box 9, Bualo, NY 14240. Information about an HSBC Premier World
Mastercard® or Program will only be provided to persons named on the Account. If you have any questions regarding your HSBC
Premier World Mastercard®, contact HSBC Bank at 1.888.385.8916 or online at us.hsbc.com.
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Redemptions
You can redeem your Points for available redemption options stated below and at any time consistent with these Program Rules.
Points cannot be oset against the Customer’s Account obligations to HSBC Bank.
HSBC Bank reserves the right to increase or decrease required Point redemption amounts at any time without prior
notice to the Customer. To view the latest redemption options and Point redemption amounts, as well as to redeem
your points, please call the HSBC Premier Rewards Department at 1.888.385.8916 or log in to your Personal Internet
Banking Account at us.hsbc.com.
Gift Cards and eGift Cards will have terms and conditions, and you must use the Gift Cards or eGift Cards according to their
restrictions, limitations and/or blackout periods (see “Points Redemption for Gift Cards/eGift Cards” for details).
For travel-related options, you will be responsible for making reservations according to applicable terms and conditions. Except as
specified below or on a Gift Card or eGift Card, redemption options have no cash or other value and may not be combined with
other redemption options, oers or discounts.
Points Redemption for Cash (You have three (3) redemption options)
(Pay with Rewards)
To oset a purchase by redeeming for a statement credit through Pay with Rewards, the purchase must appear on your transaction
history within the last 90 days on the Pay with Rewards page of the HSBC Rewards site. You may redeem Points for the full
amount of your eligible purchase for purchases greater than $25. The statement credit will be applied to your HSBC Premier World
Mastercard® Account. You may redeem Points for the full amount of your eligible purchase. Point redemptions are reflected as
soon as the next business day in your HSBC Rewards Account and, on a monthly basis, as credits on your monthly credit card
statement. There is no annual or lifetime maximum on the amount of statement credits that can be applied to your Account. Any
request for statement credit redemption is final and cannot be revoked.
Note: An “ineligible purchase” means cash advances, interest and financing charges, fees, credit or debit adjustments and any
amount other than purchases that may be charged to your Account with your card or checks. There must be sucient points
available in the HSBC Rewards account at the time of purchase authorization for a purchase to be eligible for Pay with Rewards.
We may establish other qualifying and non-qualifying transactions from time to time. Point redemptions through Pay with Rewards
do not count towards your monthly minimum payment on your HSBC Premier World Mastercard® Account. You are responsible for
paying the minimum amount which appears on your monthly Account statement, unless the statement credit brings your balance
to zero.
(Statement Credit)
If you redeem for a statement credit, it will be applied to your HSBC Premier World Mastercard® Account. There is no annual
or lifetime maximum on the amount of statement credits that can be applied to your Account. Any request for statement credit
redemption is final and cannot be revoked.
(Direct Deposit)
If you select cash back as a direct deposit, only HSBC Bank USA, N.A. consumer checking and savings accounts in your name
alone or as a joint accountholder are eligible. Ineligible HSBC deposit accounts include, but are not limited to, Certificates of
Deposit, commercial deposit accounts, fiduciary accounts, and special purpose accounts. For the latest Terms & Conditions and
eligibility details, call or visit us online.
Deposit products are oered in the U.S. by HSBC Bank USA, N.A. Member FDIC.
Points Redemption for Annual Fee Reimbursement
The Program grants you the option to redeem Points toward a statement credit at a preferential rate to cover your Annual Fee if you
possess the requisite number of Points.
Annual Fee Statement Credits must be redeemed within 90 days of the date that the annual fee is posted to your account.
Points Redemption for Travel
View the latest redemption options by logging into your Personal Internet Banking Account at us.hsbc.com or by calling the HSBC
Premier Rewards Department at 1.888.385.8916.
HSBC Travel is operated in conjunction with Priceline (“Travel Provider”), an independent third-party provider under contract with
Engage (“Program Administrator”) to provide travel services for HSBC Bank. HSBC Travel enables Customers to shop for and book
Travel related services such as airfare, hotel, car rental and related Travel activities (“Bookings”). Bookings are available from select
suppliers directly on the Site and processed by Priceline. All Bookings are subject to availability.
Travel transactions made through HSBC Travel will be governed by this Agreement and Priceline’s Terms and Conditions and
Privacy Policy (found, respectively, by logging into your HSBC Rewards account at us.hsbc.com and at
www.priceline.com/privacy). Accordingly, prior to concluding a transaction through HSBC Travel, you will be prompted to accept
Priceline’s Terms and Conditions and Privacy Policy and must do so to conclude your HSBC Travel transaction. Neither HSBC Bank
nor the Program Administrator will be a party to any such transactions entered into between you and the Travel Provider; thus,
you must direct your comments, complaints or inquiries regarding any such transactions to the Travel Provider. Neither HSBC
nor the Program Administrator has control over, and neither assumes responsibility for, the Travel Provider’s policies or practices
or the content and services oered on and through its website. BY ACCESSING AND USING HSBC TRAVEL, YOU EXPRESSLY
RELEASE HSBC BANK AND THE PROGRAM ADMINISTRATOR FROM ANY AND ALL LIABILITY ARISING FROM ACCESS AND
USE OF HSBC TRAVEL AND/OR TRAVEL PROVIDER’S WEBSITE INCLUDING LIABILITY IN RESPECT OF YOUR TRANSACTIONS
THEREON, TRAVEL PROVIDER’S SERVICES, AND THE CONTENT DISPLAYED AND/OR DISTRIBUTED BY TRAVEL PROVIDER.
All questions related to Bookings made via HSBC Travel must be addressed directly with the Travel Provider. Instructions on how to
make a Booking can be found in the HSBC Rewards FAQ.
The number of Points available in your Account for redemption, together with their corresponding value in US dollars, will be
displayed on your screen while you are shopping on the HSBC Travel website; however, YOU MUST PAY FOR YOUR PURCHASE
OF EACH TRAVEL BOOKING USING YOUR ELIGIBLE HSBC CREDIT CARD. The value of the Points you choose to redeem towards
12
your purchase will be credited to your Account as a statement credit. Accordingly, at checkout, you will be provided with the total
purchase price of your Booking (including applicable fees, taxes and shipping charges) and prompted to choose the number of
Points you want to redeem towards your purchase (you may redeem Points for between 0 and 100 percent of your purchase),
although payment must be made in full with your eligible HSBC credit card. The amount of Points you redeem will be deducted
from your Account upon payment at checkout.
Please note: Your ability to pay for a Booking will be limited by the available credit on your HSBC credit card regardless of the
number of Points in your Account. Any fees or charges above and beyond the value of the Points redeemed by you at check-out
will be your responsibility and charged to your HSBC credit card, and no statement credit will be provided to you for such fees and
charges.
Within 48-72 hours of your purchase you will receive a credit on your HSBC credit card statement reflecting the value of the Points
you redeemed.
There is currently no ticketing fee associated with booking reward Travel through the Travel Provider’s website. A $30 Travel
Booking Fee applies to each travel category booked by telephone agent with the Travel Provider (e.g. a booking made by telephone
consisting of (1) air tickets, (2) hotel rooms, and (3) car rental would result in a $90 Travel Booking Fee). Any reservation changes
made by telephone agent will incur a $30 Reservation Change Fee.
Customer is responsible for all airline-related fees which include but are not limited to facility charges, segment fees, ticketing,
taxes, customs, baggage, security, fuel surcharges and other government imposed fees; and any expedites, special requests and
exceptions.
Customer should reconfirm flight reservations at least 24 hours prior to departure. Customer must have valid Government-issued
ID for airport check-in. Additional identification may be required for travel outside of the United States and is the Customer’s
responsibility. Customer is also fully responsible for verifying all safety and security conditions for each destination selected. Airline
ticket must be issued at the time of booking. Airline tickets cannot be redeemed for cash and have no cash value.
Customer is responsible for reading, accepting and adhering to terms and conditions for airline ticket, hotel, and car rental at time
of booking through HSBC Travel.
HSBC Bank, the Program Administrator, the Travel Provider and their aliates are not responsible for the performance of airlines or
any provider of service, including but not limited to delivery, bankruptcy, changes, etc., for any service under this Program. In the
event that an airline ceases flying and tickets sold for future travel are not picked up and honored by other airlines, the tickets will
not be refunded by HSBC Bank, the Program Administrator, the Travel Provider or their aliates. In this situation, there will also be
no Rewards Points credits granted.
All reservations and air ticketing are subject to the conditions of carriage of the party providing the transportation, including
exclusions and limitations of liability. Additional restrictions may apply.
No cash or credit will be given for any unused portion of the ticket.
Booking Confirmation, Fulfillment and Inquiries
The Travel Provider will send you an automated notification email for every completed Booking. All airline ticket travelissued
through the Travel Provider will be issued as E-tickets. If you do not receive a confirmation email for Booking informationwithin 24
hours, please contact Priceline at 1.877.477.7441. You will receive an email confirmation from [email protected]ewards.us.hsbc.
com showing the number of Points you redeemed for any Booking you made. You may also receivean email confirmation and/
or Booking instructions directly from the supplier for your Booking. The email confirmations shouldbe printed and saved for your
records. Although you will pay for your Bookings through the Site, all Bookings will be handleddirectly by the Travel Provider.
Neither HSBC nor Program Administrator will be responsible for any delays or issues inBookings.
You must contact Priceline directly with any inquiries you may have about the Bookings you make through HSBC Rewards Travel,
including if the Booking is unsatisfactory or not provided to you on time or at all, by contacting Priceline at 1.877.477.7441. If your
inquiry is in regard to a specific Booking, you may call Priceline using the telephone number shown in your Booking confirmation.
Cancellations, Changes, and Refunds for Online Travel Rewards
All cancellations, changes and refunds are handled by the Travel Provider. The Travel Provider’s cancellation/refund policy shall
govern these requests. Restrictions and limitations may apply. The cancellation policy is displayed during your check-out process
and on your Booking confirmation. IF THE SUPPLIER AGREES TO REFUND YOUR BOOKING, YOU WILL RECEIVE THE FULL
AMOUNT OF THE PURCHASE PRICE (WHICH WILL INCLUDE APPLICABLE FEES, TAXES AND SHIPPING CHARGES BUT WILL
BE REDUCED BY ANY APPLICABLE CANCELLATION OR REFUND FEES) AS A CREDIT ON THE HSBC CREDIT CARD YOU USED
TO MAKE YOUR PURCHASE. YOUR POINTS ACCOUNT WILL NOT BE CREDITED WITH ANY POINTS REGARDLESS OF THE
NUMBER OF POINTS REDEEMED BY YOU TOWARDS SUCH BOOKING. You should receive such credit within 48-72 hours of
receiving confirmation from the Travel Provider that you are entitled to a refund.
Points Redemption for Rewards for Miles
Rewards for Miles Terms and Conditions
• Cardholders who wish to participate in HSBC Rewards for Miles (“Rewards for Miles”) must first become a member of a
participating travel rewards program, and obtain a travel rewards program number for each partner to which they would like to
redeem Points for travel rewards.
• Only HSBC Premier World Mastercard® and HSBC Elite World Elite Mastercard® cardholders (‘Cardholders’) whose accounts
are valid and in good standing are able to participate in Rewards for Miles, and will be eligible to transfer Points to a participating
travel rewards program account.
• The timing for the redeemed Points to be converted to partner loyalty currency and posted to the Customer’s travel rewards
program account may vary by partner. Depending on internal process, points will get credited to your travel rewards account
within 5 days, however, for some programs it may take up to 14 days.
• The conversion rate of HSBC Points may vary by travel rewards partner program. Points values when converted will be rounded
to the nearest whole number
• Your First Name, Last Name, Travel Membership number will be used to redeem your points.
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• Your First Name, Last Name, Travel Membership number, email address, phone number and other customer data, may be
shared with your Travel Partner to resolve a customer service issue.
• When Points are transferred to a travel rewards program account, they will be immediately deducted from your available HSBC
Points balance.
• Points cannot be canceled or transferred back to the HSBC Rewards Account or re-transferred to another participating travel
reward program account.
• Once HSBC Rewards points are successfully transferred to a travel rewards partner of your choice, HSBC will not be responsible
for any disputes between your selected travel rewards partner and you.
• All questions or disputes regarding eligibility for redemptions within the Program or the use of Rewards for Miles will be decided
by HSBC Bank at its sole discretion.
• Fraud and abuse in relation to the earning and transfer of Points to the Program or Rewards for Miles may result in the forfeiture
of accumulated Points, as well as the cancellation of a Customer’s credit card(s).
• The Customers are subject to, and must comply with, the rules of the travel rewards program(s) of the participating partner(s)
travel rewards program in which they are enrolled. It is the sole responsibility of the participating partner’s reward program to
provide the Customer a copy of the relevant program rules upon his/her enrollment in their travel rewards program.
• A participating airline travel rewards program may change its program rules, including regulations, policies, benefits and
conditions of participation or mileage levels, in whole or in part at any time with or without notice, even though changes may
aect the value of the free mileage already accumulated
• Partner reward program participation in Rewards for Miles is subject to change upon notice.
• HSBC Bank reserves the right to change the terms and conditions herein and Rewards for Miles at any time upon notice.
• There is currently no minimum or maximum number of Points that can be transferred using Rewards for Miles.
• By participating in Rewards for Miles, the Customer specifically authorizes HSBC Bank to share only the specific customer
information necessary to complete the mileage exchange.
• In the event the participating travel rewards program is unable to identify the Rewards for Miles request and cannot apply the
corresponding miles to the requested account, HSBC Bank will use its best eorts to identify and resolve the issue, which may
include contacting the Customer. This may delay the posting of miles to the requested partner program account. If the issue
cannot be resolved, the Points deducted for the Rewards for Miles transaction will be added back to the Customer’s Program
account at HSBC Bank.
• Submission of a request to transfer Points to airline miles in Rewards for Miles will constitute complete acknowledgment and
acceptance of the terms and conditions associated with participation in Rewards for Miles. In addition, the Customer specifically
authorizes HSBC Bank to share only the specific customer information necessary to complete the mileage exchange.
Additional terms and conditions may apply
Points Redemption for Gift Cards/eGift Cards
View the latest redemption options by logging into your Personal Internet Banking Account at us.hsbc.com or by calling the HSBC
Premier Rewards Department at 1.888.385.8916.
• Certain Gift Cards/eGift Cards may require a minimum purchase from the participating merchant.
• Gift Cards/eGift Cards are not exchangeable, refundable, or redeemable for cash or credit under any circumstances and are not
replaceable in the event of loss, destruction after issuance or expired (if applicable).
• Gift Cards/eGift Cards are void if altered or where prohibited by law. The Gift Card/eGift Cards must be presented in its original
form for exchange requests. The Gift Card/eGift Cards cannot be damaged or altered in any way.
• Gift Cards/eGift Cards can be discontinued at any time, without advance notice.
• NOTE: Complete Reward restrictions are listed on the back of the Gift Cards/eGift Cards. For specific details prior to redemption
option order, including certificate expiration date, if applicable, call the HSBC Premier Rewards Department at 1.888.385.8916.
• If you plan to travel and have a question about the use of a Gift Card/eGift Cards outside of the United States, we recommend
contacting the merchant directly.
Gift Card/eGift Card merchants are in no way aliated with HSBC Bank, nor are merchants considered sponsors or co-sponsors
of this Program. Use of merchant names and/or logos are by permission of each respective merchant and all trademarks are
the property of their respective owners. Terms and conditions are applied to Gift Cards/eGift Cards which can be found for
each merchant in the online rewards catalog. Please see the merchant’s Gift Cards/eGift Cards website for additional terms and
conditions, which are subject to change at merchant’s sole discretion, if permitted by law.
Points Redemption for Charity
View the latest redemption options by logging into your Personal Internet Banking Account at us.hsbc.com or by calling the HSBC
Premier Rewards Department at 1.888.385.8916.
Customers can redeem Points for a CharityChoice Gift Card, which allows you to donate the value of the Gift Card to one of over
1,000 major charitable organizations.
Terms & Conditions for the CharityChoice Card
Not redeemable for cash or merchandise. Never expires. CharityChoice Gift Cards is a project of Special Kids Fund (501c3, EIN
58-2550249). Special Kids Fund receives a modest 10% admin fee, which is deducted prior to the quarterly allocation of the funds
to the charities. Funds are distributed to each of the designated charities in one payment, as a bulk allocation. Keep confirmation of
your charity designation and verification of your order from your rewards program for your records. Ask your tax advisor as to your
eligibility for a tax deduction.
Participating charitable organizations are in no way aliated with HSBC Bank, nor are they considered sponsors or co¬sponsors of
the Program. Use of charitable organization names and/or logos are by permission of each respective charitable organization and
all trademarks are the property of their respective owners.
14
Points Redemption via Amazon Shop with Points
Customers with a physical US Address on their HSBC Credit Card and Amazon account can redeem Points through Amazon Shop
with Points. Terms and conditions applicable to redeeming your HSBC Rewards Points through Amazon Shop with Points can be
found at www.amazon.com/hsbcrewards.
Points Redemption for Merchandise
View the latest redemption options by logging into your Personal Internet Banking Account at us.hsbc.com or by calling the HSBC
Premier Rewards Department at 1.888.385.8916.
All merchandise is subject to limited availability, and to the terms, conditions and restrictions imposed by suppliers. New items may
replace certain selections, and certain items may be discontinued at any given time. Merchandise shown in the online rewards
catalog may not necessarily reflect exact colors or models of actual redemption options. The Customer will be notified if an ordered
merchandise item or Gift Card has been discontinued,
All merchandise is manufactured by independent suppliers, who may or may not issue standard warranties for their merchandise.
Merchandise available in the Program may require assembly and/or batteries. Installation of merchandise is not included (unless
indicated in the redemption option descriptions). Some merchandise items may require that the Customer provide, or arrange to
provide, assistance when unloading. In case of items requiring truck delivery, the Customer should notify the supplier to determine
the scheduled delivery date. If the Customer order consists of multiple items, please be advised that all items may not be delivered
at the same time.
Shipping Charges and Delivery
When applicable, Rewards will be sent by First Class Mail, UPS or other carrier to the Customer’s billing address or other address
specified by the Customer. Deliveries cannot be made to rural routes. Gift Cards can be delivered to post oce boxes but only
select other redemption options may be eligible for post oce delivery to military addresses, FPO, APO or to post oce boxes.
Only Gift Cards, but not Merchandise, can be delivered to a Post Oce Box. Large products typically are shipped via common
carrier truck lines that provide curbside delivery only. Shipping time will depend on the redemption option requested and generally
takes seven (7) to ten (10) business days after HSBC Bank receives, verifies and processes the Customer’s request. eGift Cards will
be sent to the Customers within approximately twenty-four (24) hours after receipt of order. We will attempt to notify you if your
items cannot be shipped within these time periods. Delivery dates are not guaranteed although orders made after December 1
are not likely to be delivered in time for the holidays. To obtain more specific shipping information and delivery times, simply check
online or contact our Rewards Department. HSBC Bank, the Program Administrator, and their aliates are not responsible for
merchandise items that are lost, stolen or destroyed. Normal shipping charges from point of origin to point of delivery are prepaid.
In the event that a shipment is sent in error, the Customer should pay and provide a copy of the paid receipt, to HSBC Bank for
reimbursement. If a Customer returns an item that is not damaged or defective, shipping costs for merchandise items are the
responsibility of the Customer.
HSBC Bank and the Program Administrator reserve the right, in their discretion, to refuse to ship items purchased through the
Program to certain addresses. In the event that we choose not to ship an item to you, we will attempt to notify you by email and the
total amount of Points charged will be credited back to your Account.
Incorrect or Damaged Goods
Most deliveries occur without damage; however, in the rare event the Customer should find damage or receive an incorrect
item, THE CUSTOMER SHOULD CONTACT HSBC PREMIER REWARDS DEPARTMENT AT 1.888.385.8916 IMMEDIATELY. ALL
DAMAGE MUST BE REPORTED WITHIN 24 HOURS OF DELIVERY, REGARDLESS OF DELIVERY METHOD. ANY AND ALL
DAMAGE SHOULD BE NOTED ON ALL COPIES OF THE DELIVERY RECEIPT. FAILURE TO DO SO MAY VOID ANY AND ALL
CLAIMS WHICH COULD AFFECT THE REPLACEMENT OF MERCHANDISE, REFUND OR CREDIT. REPLACEMENT ORDERS FOR
INCORRECT OR DAMAGED MERCHANDISE WILL BE PROCESSED IMMEDIATELY UPON RETURN RECEIPT OF THE ORIGINAL
MERCHANDISE.
Return Policy
If your item is defective or damaged when delivered to you, or if an incorrect item is delivered to you, please notify us within seven
(7) calendar days of such delivery and we will accept its return. You must return the item with its original packaging, together with
all original manuals, cords, and accessories. If you otherwise are not satisfied with your product, please notify us within fourteen
(14) calendar days of delivery and we will accept its return. You must return the item, in its original packaging, together with all
original manuals, cords, and accessories. In the event that a returned order is missing original materials, in our sole discretion, we
may choose to reject the return or deduct the value of the missing materials from the total Points refund amount.For defective
items or incorrect shipments, the return shipping charges will be covered by HSBC. Otherwise, return shipping charges are your
responsibility and will be calculated depending on the size and weight of the Merchandise and your location. If the item is defective
and you want to return it more than seven (7) calendar days after delivery, please contact the manufacturer directly for repair or
replacement under warranty. You may also contact us if you require any further assistance with the return of your product. Apple
product purchases are final and cannot be returned. For any and all Apple product defects, you must contact Apple Care or visit an
Apple store for assistance.
PLEASE NOTE THAT THESE ITEMS CANNOT BE RETURNED: All gift cards, Apple products, jewelry, watches, sunglasses,
cosmetics, health and personal care items (e.g., razors, shavers, epilators, flat irons, curlers, massagers, toothbrushes, shower
heads), baby products (e.g., car seats, strollers containing car seats, diapers, breast pumps), perishable goods, Soda Stream
machines, hazardous goods, barbecues, bedding, pillows, sheets, books, motorized vehicles, phones, headphones, clothing,
opened CDs/DVDs/games, copyrighted materials such as sheet music, refurbished products, quantity or special buy items.
Clearance items cannot be returned unless they are defective or the incorrect item was shipped.
Customers choosing to return merchandise should contact the HSBC Premier Rewards Department at 1.888.385.8916.
Shopping Cart
Merchandise orders that you place in your shopping cart are only pending orders. Pending orders are not shipped, and Points
are not deducted from your Account until your order is confirmed. To update your Merchandise quantity and selections in your
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shopping cart, follow the prompts and then select “Update Cart.” To remove an item from your cart, click on the “Remove” button
next to the item name. All items left in your shopping cart will be removed when you sign out or when your account times out.
Participating merchants are in no way aliated with HSBC Bank, nor are the merchants considered sponsors or co¬sponsors
of the Program. Use of merchant names and/or logos are by permission of each respective merchant and all trademarks are the
property of their respective owners.
Warranty Information
HSBC Bank, Program Administrator, and their respective parents, subsidiaries and aliates make no guarantees, warranties or
representations of any kind, expressed or implied, with respect to such services, goods, and/ or items, and shall not be liable for any
loss, expense, accident or inconvenience that may arise in connection with the use of such services and/ or items, or as a result of
any defect in or failure of such services and/or items.
ENGAGE, HSBC BANK, AND THEIR RESPECTIVE PARENTS, SUBSIDIARIES AND AFFILIATES SPECIFICALLY
DISCLAIM ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.
Address Changes
If you wish to make a physical or e-mail address change, you may contact the HSBC Premier Service Center at 1.888.385.8916,
or call from anywhere in the world at 1.716.841.6866. Or, you may submit the change in writing to: HSBC Premier World
Mastercard® Customer Care Department, P.O. Box 9, Bualo, NY 14240. You must include your HSBC Premier World Mastercard®
Account Number and your signature.
Other Important Information
Redemption Options: All redemption options are subject to availability and the rules and restrictions of suppliers. Points may not
be combined with discounts, other promotions, or other rewards programs oered by any entity, including airline or credit card
programs in the U.S. or abroad. Redemption options may be substituted or discontinued at any time.
HSBC Bank, Program Administrator and the Travel Provider specifically disclaim any liability (whether based in
contract, tort, strict liability or otherwise) for any direct, indirect, incidental, consequential, or special damages arising
out of or in any way connected with access to or use of the website (even if HSBC Bank, Program Administrator
and the Travel Provider have been advised of the possibility of such damages) including liability associated with any
viruses which may infect a user’s computer equipment. HSBC Bank, Program Administrator and the Travel Provider
do not maintain any control over the manufacturers of awards merchandise, the issuers of gift cards or over the
personnel, equipment or operations of any air, water or surface carrier, ship line, transportation company, hotel,
restaurant, tour company, or other person or entity providing travel services, general services, gift cards, products
or accommodations as an award, or any other supplier, because all suppliers oering products and/or services
through the rewards program are independent contractors. Accordingly, HSBC Bank, Program Administrator and
the Travel Provider do not make any guarantees, warranties or representations of any kind, expressed or implied,
with respect to products, services or merchandise, nor do HSBC Bank, Program Administrator and the Travel
Provider accept any liability for any loss, expense, damage or injury incurred as a result of any defect in or failure
of such items. HSBC BANK, PROGRAM ADMINISTRATOR and THE TRAVEL PROVIDER SPECIFICALLY DISCLAIM
ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. HSBC Bank,
Program Administrator and the Travel Provider shall not be liable for any injury, damage, loss, expense, accident,
delay, inconvenience or irregularity which may be caused or contributed to: (1) by any wrongful, negligent or
unauthorized act or omission on the part of any supplier of a reward oering; (2) by any defect in or failure of any
vehicle, equipment, instrumentality, service, product, or accommodation which is owned, operated, furnished, sold
or otherwise used by any such supplier; (3) by any wrongful, negligent or unauthorized act or omission on the part
of any other person or entity not under our direct control; (4) the bankruptcy of any air or other travel carrier or any
retailer issuing gift cards; and/or (5) by any other cause, condition or event whatsoever beyond our direct control. In
no event will HSBC Bank, Program Administrator and the Travel Provider be liable for any punitive, special, indirect, or
consequential damages.
Retailer and Other Third-Party Websites
Each retailer or other supplier is responsible for its own merchandise and HSBC Bank, Program Administrator and the Travel
Provider do not endorse or take responsibility for the quality or functionality of merchandise oered on any retailer’s or other
supplier’s website. Further, while we facilitate your use of Points to make or receive a credit for purchases from participating
retailers and other suppliers through Program, if you choose to visit a retailer’s or other supplier’s e-commerce site, whether by
accessing it through a link on the Program website or otherwise, such retailer or other supplier will be responsible for all aspects
of a purchase from such site, including order processing, order fulfillment, shipping and handling, billing and payment and
customer service. HSBC Bank, Program Administrator and the Travel Provider will not be parties to any such transactions entered
into between you and such retailer or other supplier; thus, in respect of any such purchases, you must direct your comments,
complaints or inquiries regarding your purchases to such retailer or other supplier. All rules, policies (including privacy policies)
and operating procedures of Retailers will apply to you while you are shopping on their sites, whether through the Program or
otherwise.
The Program website may contain links to other third-party websites that are not owned or controlled by HSBC Bank, Program
Administrator and the Travel Provider. HSBC Bank, Program Administrator and the Travel Provider not have control over, and neither
assumes responsibility for, the policies or practices of any such third parties or the content and services oered on and through
their websites. In addition, HSBC Bank, Program Administrator and the Travel Provider will not or cannot censor or edit the content
of any third-party website (including that of any retailer or other supplier). By accessing the Program website, you expressly release
HSBC Bank, Program Administrator and the Travel Provider from any and all liability arising from your access to and use of any
retailer and other third-party website and the content displayed and/or distributed thereon. Accordingly, we strongly encourage
you to be aware when you leave the Program website and enter a retailer or other third-party website, and to read the terms and
conditions (including any privacy policy) of each such website that you visit.
Audits: HSBC Bank reserves the right to audit the HSBC Premier World Mastercard® Account for compliance with these Program
Rules. In the event the audit reveals discrepancies, the processing of Points may be delayed until such discrepancies are resolved.
Changes: HSBC Bank may, from time to time, or at any time, change, add or remove provisions from the Program Rules,
16
restrictions or benefits, or the way Points are reported, in whole or in part, with or without notice to you. Redemption levels and
availability are subject to change without prior notice. You understand and accept that we can make changes to what you can get
with your Points at any time and availability of any specific items is not guaranteed. For current Redemption levels and availability,
go to your Personal Internet Banking Account at us.hsbc.com or call the Rewards Department at1.888.385.8916. You may also
request the latest Program Rules by contacting the HSBC Premier Rewards Department at 1.888.385.8916 or by logging into
your Personal Internet Banking Account at us.hsbc.com.
Termination: The HSBC Premier World Rewards Program has no predetermined termination date. HSBC Bank may terminate the
Program or portions thereof at any time, with or without notice to you. In the event the complete Program is terminated you will be
given a reasonable period of time from the date termination is announced to redeem accumulated Points.
HSBC Bank and/or Engage are responsible for operation and administration of the HSBC Premier World Rewards Program.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
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18
Inquiry hotline
888.662.HSBC (4722)
hsbcpremierusa.com
©HSBC Bank USA, N.A.2024. All Rights Reserved MKT3224_2024_08
Mastercard® Guide
to Benets
for Credit Cardholders
HSBC Premier World Mastercard
Important information. Please read and save.
This Guide to Benets contains detailed information about insurance and other services you can
access as a preferred cardholder. This Guide supersedes any Guide or program description you may
have received earlier.
To le a claim or for more information on any of these services, call the Mastercard Assistance Center
at 1-800-Mastercard: 1-800-627-8372, or en Español: 1-800-633-4466.
“Card” refers to World Mastercard® card and “Cardholder” refers to a World Mastercard® cardholder.
Key Terms
Throughout this document, you and your refer to the
Cardholder. We, us, and our refer to New Hampshire
Insurance Company, an AIG company, New York, NY.
Account Holder means a person to whom an Eligible Account
is issued and who holds the Eligible Account under his or her
name.
Administrator means Sedgwick Claims Management
Services, Inc. You may contact the Administrator if you have
questions regarding this coverage or would like to make
a claim. The Administrator may be reached by phone at
1-800-Mastercard.
Authorized driver(s) means a driver with a valid driver’s
license issued from their state of resident and indicated on the
rental agreement.
Authorized User means a person who is recorded as an
authorized user of an Eligible Account by the Account
Holder and who is authorized by the Account Holder to make
payments to the Eligible Account.
Burglary means the taking of unattended personal property
owned by you, from your registered hotel or motel room by
forcible entry.
Cardholder means the Account Holder or Authorized User of
an Eligible Account in good standing.
Carry-on luggage means suitcases or other containers
specically designated for carrying personal property, which
are carried on board a common carrier by you.
Checked baggage means suitcases or other containers
specically designated for carrying personal property, for
which a claim check has been issued to you by a common
carrier.
Checked luggage means suitcases or other containers
specically designated for carrying personal property, for
which a claim check has been issued to you by a common
carrier.
Common carrier means an air, land, or water motorized
transportation carrier operating under a regularly published
schedule and current license as required by law for the
conveyance of passengers. Common carrier does not include
helicopters, taxis rental cars, hired cars, and private and
contract carriers.
Covered Card means the Mastercard® card linked to your
Eligible Account.
Damage means items that can no longer perform the
function they were intended to do in normal service due to
broken parts, material or structural failures.
Delay means baggage (including personal/business articles
and/or eects contained within) that is not delivered to you
within six (6) hours after arrival at your scheduled destination.
Eligible Account means the account associated with the
Cardholder’s U.S. issued credit card, debit card, checking
account, line of credit, loan, certicate of deposit or other
account that is eligible for coverage under the Group Policy.
Eligible Cellular Wireless Telephones means the cellular
telephones associated with the primary line and additional
or supplemental lines on the Eligible Person’s monthly
billing statement from a cellular provider for the billing cycle
preceding the month in which the theft or damage occurred.
Eligible expense(s) means reasonable and necessary attorney
fees or court costs associated in removing any civil suit
wrongful brought against you as a result of identity fraud or
any suit brought against you by a creditor or collection agency
or other entity for non-payment of goods and/or services as
a result of identity fraud, actual U.S. wages lost due to time
o relating to eorts in resolving your identity fraud issues,
loan applications fees, notarizing adavits or other similar
document cost, long distance telephone cost, and postage
cost you may have incurred as a direct result of identity fraud.
Eligible Person means a Cardholder who charges his or her
monthly bill for an Eligible Cellular Wireless Telephone to
his or her Covered Card. No person or entity other than the
Eligible Person(s) described shall have any legal or equitable
right, remedy or claim for the insurance proceeds arising out
of this coverage.
Evidence of Coverage (EOC) means the summary of
benets set forth below which describe the terms, conditions,
limitations and exclusions of the coverage provided to you at
no additional charge under the Group Policy. Representations
or promises made by anyone that are not contained in the
Group Policy are not part of your coverage. In the event the
EOC, Key Terms, or Legal Disclosures of this Guide to Benets
conict with the provisions of the Group Policy, the terms of
the Group Policy govern your coverage.
Forcible entry means that access to your hotel or motel room
that has been gained by breaking and entering a locked door,
window, or any other opening.
Group Policy means the Cellular Protection Insurance Policy
entered between New Hampshire Insurance Company, an AIG
Company, and Mastercard Insurance Master Trust, which is
the subject of this Guide to Benets.
Identity fraud means the use of your name, address, Social
Security number (SSN), bank, or credit card account number,
or other identifying information without your knowledge to
commit fraud or deception.
Loss means the eligible expenses related to your identity
fraud.
Lost means luggage (including personal property contained
within) that is missing for 10 consecutive days and whose
whereabouts are unknown to you or the common carrier.
Manufacturer suggested retail price (MSRP) means the
purchase price of the vehicle or the value of the vehicle based
on the National Automobile Dealers Association website at
www.nada.com or similar source.
Mysteriously Disappear means the vanishing of an item in an
unexplained manner where there is absence of evidence of a
wrongful act by a person or persons.
Rental agreement means the entire agreement or contract
that you receive when renting a vehicle from a vehicle rental
agency that describes in full all of the terms and conditions of
the rental, as well as the responsibility of all parties under the
rental agreement.
Stolen means items that are taken by force and/or under
duress or the disappearance of the item from a known place
under circumstances that would indicate the probability of
theft.
Stolen (Cellular) means taken by force and/or under duress or
a loss which involves the disappearance of an Eligible Cellular
Wireless Telephone from a known place under circumstances
that would indicate the probability of theft and for which a
police report was led within forty-eight hours of the theft.
United States Dollars (USD) means the currency of the
United States of America.
Vehicle means a land motor vehicle with four wheels that
is designed for use on public roads and intended for use on
a bound surface such as concrete and tarmac. This includes
minivans and sport utility vehicles that are designed to
accommodate less than nine (9) passengers.
World Mastercard Digital Merchant Oers
Program Description:
Enjoy exclusive oers with popular digital brands on every day,
time-saving products and services.
Eligibility:
To be eligible for these oers, you must be a cardholder
who holds a World Mastercard Credit Card issued by a U.S.
nancial institution.
How to Use the Oers:
Visit www.mastercard.us/worldoers for information on
how to avail the oers.
Terms & Conditions:
Visit www.mastercard.us/worldoers for a full list of current
digital merchant oers and applicable terms & conditions.
Mastercard ID Theft Protection™
Program Description:
Mastercard ID Theft Protection alerts you to possible identity
theft by monitoring the surface, dark and deep web, searching
for compromised credentials and potentially damaging use of
your registered personal information. It also provides you with
resolution services should you nd yourself a victim of identity
theft.
Eligibility:
All Mastercard consumer credit cardholders in the US are
eligible for this coverage. Enrollment is required.
Service Provider:
ID Theft Protection is provided by Generali Global Assistance,
Inc. More information about this service provider is available
at: https://mastercardus.idprotectiononline.com/.
Access:
To receive ID Theft Protection, you must enroll at:
https://mastercardus.idprotectiononline.com/. ID Theft
Protection is provided on a 24-hour basis, 365 days a year.
Contact 1-800-Mastercard if you believe you have been a
victim of identity theft.
Charges:
There is no charge for ID Theft Protection, it is provided by
your nancial institution.
Program Provisions for Mastercard ID Theft
Protection:
To receive ID Theft Protection, you must enroll as described
above and such benets related to ID Theft Protection accrue
as of the date of enrollment. Mastercard ID Theft Protection
is governed by the terms provided in this Guide to Benets
and the Terms and Conditions and Terms of Service available
at: https://mastercardus.idprotectiononline.com/.
The terms and conditions contained in this Guide to Benets
may be modied by subsequent mailings, statement inserts,
or statement messages. Mastercard or your nancial
institution can cancel or non-renew these services, and if we
do, we will notify you at least thirty (30) days in advance. If
the provider non-renews or cancels any services provided to
eligible Mastercard cardholders, you will be notied within
30–120 days before the expiration of the service agreement.
In the event substantially similar service takes eect without
interruption, no such notice is necessary. For general questions
regarding these services, please contact 1-800-Mastercard or
please see https://mastercardus.idprotectiononline.com/.
ID Theft Protection Services Provided:
1. DETECT POTENTIAL IDENTITY AND FRAUD THREATS
Personally Identiable Information (PII)
Compromised Credentials monitors for a combination of
email address /username /password /security questions
located within:
• Hacker account dump sites
• Hacktivist forums
• Data leaks
• Malware logs
Alerts are sent with event details, also listed within resolution
console and most often includes source of breach (from where
the data was harvested).
High-Risk Transactions monitors a Consumer’s high-risk
transactions with more than 300 of the nation’s largest
companies to uncover and thwart account takeover attempts.
Knowledge-Based Authentication (questions only an individual
should know about themselves such as what street they lived
on in 2009) used by organizations across industries limits
the risk of identity theft or account takeover. Alerts are sent
when a series of knowledge-based authentication questions
are generated to validate the Consumer’s identity (i.e. when
accessing a credit report). Monitored transactions include:
• Credit cards
• Bank accounts
• Brokerage accounts
• Healthcare portals
• Workplace intranets
• Other services (e.g. peer-to-peer fund transfers)
Dark Web Monitoring provides monitoring of underground
web pages people can visit without third parties being able
to trace the location of the web visitors or the web page
publisher. Dark web sites make up about .01% of the Internet
and are intentionally hidden or protected by encryption
technologies and not accessible via standard web browsers.
Credit Information
Single Bureau Credit Monitoring monitors a Consumer’s
TransUnion credit le for changes that could indicate fraud
such as new credit inquiries, an address change or new credit
account(s) opened in their name. In order to use this service,
Consumers must provide some personal information, such
as name, address, date of birth, and SSN, and undergo
either digital verication via text or knowledge-based
authentication. ID Theft Protection sends alert notication
emails, such as change of address alerts, anytime potentially
unauthorized inquiries or suspicious activities on Consumer’s
credit le are detected so they can take immediate action to
minimize damage.
Additional Information
Small Business ID Theft Protection upgrades ID Theft
Protection identity monitoring services by adding URL and
Domain monitoring to the existing list of monitored items.
URL and Domain monitoring searches for the Consumer’s
business URL and domain (limited to 10 domains) within
corporate data breaches, malicious third-party botnets and
criminal forums.
2. RECEIVE ALERTS OF SUSPICIOUS ACTIVITY
• Email Addresses
• Debit/Credit Cards
• Loyalty/Anity Cards
• Bank Account Numbers
• Passport Numbers
• Medical and Vehicle Insurance Cards
• Drivers Licenses
• National Identity Numbers/Social Security Numbers
• New Lines of Credit
• Address Changes
3. RESOLVE IDENTITY THREATS WITH SELF-SERVICE
RESOLUTION OR SPECIALIST SUPPORT
Self-Service ID Theft Resolution Kit is a self-service resolution
document which informs Consumers of the dierent forms of
ID theft, and how to resolve each situation. Resolution tools in
the kit include preventive measures, step-by-step guides and
sample letters to be sent to collection agencies.
Access to Resolutions Specialists which assigns a personal
case manager to help take care of everything.
Self-Service ID Theft Wizard provides step-by-step advice
for many identity theft scenarios that Consumers may face.
All ID Theft Protection users have access to the Identity Theft
Protection Kit found in the Prole section of their portal,
which explains the many forms of identity theft and provides
protective measures anyone can take to limit their risk. The kit
also contains a Federal Trade Commission sample adavit
form, as well as sample letter templates for ling disputes in
cases of identity theft or fraud.
Online Fraud Alerts allow Consumers to place a statement
on their credit report that instructs lenders to contact the
Consumer before issuing new credit. This makes it more
dicult for an identity thief to open new accounts in their
name. When Consumers place a fraud alert with one bureau,
the other two bureaus are informed, and the alert is then
placed on all three bureau les. Fraud alert placement is free,
and alerts stay on the Consumer credit les for one year.
Cellular Wireless Telephone Protection
Key Terms
Throughout this benet, you and your refer to the Cardholder.
We, us, and our refer to New Hampshire Insurance Company,
an AIG company, New York, NY.
Account Holder means a person to whom an Eligible Account
is issued and who holds the Eligible Account under his or her
name.
Administrator means Sedgwick Claims Management
Services, Inc. You may contact the Administrator if you have
questions regarding this coverage or would like to make
a claim. The Administrator may be reached by phone at
1-800-Mastercard.
Authorized User means a person who is recorded as an
Authorized User of an Eligible Account by the Account
Holder and who is authorized by the Account Holder to make
payments to the Eligible Account.
Cardholder means the Account Holder or Authorized User of
an Eligible Account in good standing.
Covered Card means the Mastercard® card linked to your
Eligible Account.
Eligible Account means the account associated with the
Cardholder’s U.S. issued credit card, debit card, checking
account, line of credit, loan, certicate of deposit or other
account that is eligible for coverage under the Group Policy.
Eligible Cellular Wireless Telephones means the cellular
telephones associated with the primary line and additional
or supplemental lines on the Eligible Person’s monthly
billing statement from a cellular provider for the billing cycle
preceding the month in which the theft or damage occurred.
Eligible Person means a Cardholder who charges his or her
monthly bill for an Eligible Cellular Wireless Telephone to
his or her Covered Card. No person or entity other than the
Eligible Person(s) described shall have any legal or equitable
right, remedy or claim for the insurance proceeds arising out
of this coverage.
Evidence of Coverage (EOC) means the summary of
benets set forth below which describe the terms, conditions,
limitations and exclusions of the coverage provided to you at
no additional charge under the Group Policy. Representations
or promises made by anyone that are not contained in the
Group Policy are not part of your coverage. In the event the
EOC, Key Terms, or Legal Disclosures of this Guide to Benets
conict with the provisions of the Group Policy, the terms of
the Group Policy govern your coverage.
Group Policy means the Cellular Protection Insurance Policy
entered between New Hampshire Insurance Company, an AIG
Company, and Mastercard Insurance Master Trust, which is
the subject of this Guide to Benets.
Mysteriously Disappear means the vanishing of an item in an
unexplained manner where there is absence of evidence of a
wrongful act by a person or persons.
Stolen means taken by force and/or under duress or a loss
which involves the disappearance of an Eligible Cellular
Wireless Telephone from a known place under circumstances
that would indicate the probability of theft and for which a
police report was led within forty-eight hours of the theft.
Evidence of Coverage
Refer to Key Terms for the denitions of you, your, we, us, our,
and words that appear in bold. This EOC is subject to the
Legal Disclosures set forth below.
A. To get coverage:
You must charge your monthly Eligible Cellular Wireless
Telephone bill to your Covered Card. You are eligible for
coverage the rst day of the calendar month following the
payment of your Eligible Cellular Wireless Telephone bill to
your Covered Card. If you pay an Eligible Cellular Wireless
Telephone bill with your Covered Card and fail to pay a
subsequent bill to your Covered Card in a particular month,
your coverage period changes as follows:
1. Your coverage is suspended beginning the rst day of the
calendar month following the month of nonpayment to
your Covered Card; and
2. Your coverage resumes on the rst day of the calendar
month following the date of any future payment of your
Eligible Cellular Wireless Telephone bill with your Covered
Card.
B. The kind of coverage you receive:
• Reimbursement for the actual cost to replace or repair a
Stolen or damaged Eligible Cellular Wireless Telephone.
• Coverage ends on the earliest of: The date you no longer are
a Cardholder; the date the Covered Card is determined to
be ineligible by the participating organization; the date the
participating organization ceases to pay premium on the
Group Policy; the date the participating organization ceases
to participate in the Group Policy; the date the Group Policy
is terminated.
C. Coverage limitations:
Coverage for a Stolen or damaged Eligible Cellular Wireless
Telephone is subject to the terms, conditions, exclusions, and
limits of liability of this benet. The maximum liability is $600
per claim for World Mastercard, and $1,000 per Covered
Card per 12 month period. Each claim is subject to a $50
deductible. Coverage is limited to two (2) claims per Covered
Card per 12 month period.
Coverage is excess of any other applicable insurance or
indemnity available to you. Coverage is limited only to those
amounts not covered by any other insurance or indemnity. In
no event will this coverage apply as contributing insurance.
This “noncontribution” clause will take precedence over a
similar clause found in other insurance or indemnity language.
D. What is NOT covered:
The following items are excluded from coverage under the
Group Policy:
• Eligible Cellular Wireless Telephone accessories other than
the standard battery and standard antenna provided by the
manufacturer;
• Eligible Cellular Wireless Telephones purchased for resale or
for professional or commercial use;
• Eligible Cellular Wireless Telephones that are lost or
Mysteriously Disappear;
• Eligible Cellular Wireless Telephones under the care and
control of a common carrier, including, but not limited to, the
U.S. Postal Service, airplanes or delivery service;
• Eligible Cellular Wireless Telephones Stolen from baggage
unless hand-carried and under the Eligible Person’s
supervision or under the supervision of the Eligible Person’s
traveling companion who is previously known to the Eligible
Person;
• Eligible Cellular Wireless Telephones Stolen from a
construction site;
• Eligible Cellular Wireless Telephones which have been
rented or leased from a person or company other than a
cellular provider;
• Eligible Cellular Wireless Telephones which have been
borrowed;
• Eligible Cellular Wireless Telephones that are received as
part of a pre-paid plan;
• Cosmetic damage to the Eligible Cellular Wireless
Telephone or damage that does not impact the Eligible
Cellular Wireless Telephone’s ability to make or receive
phone calls (including minor screen cracks and fractures less
than 2 inches in length that do not prevent the ability to
make or receive phone calls or to use other features related
to making or receiving phone calls);
• Damage or theft resulting from abuse, intentional acts,
fraud, hostilities of any kind (including, but not limited to,
war, invasion, rebellion or insurrection), conscation by the
authorities, risks of contraband, illegal activities, normal
wear and tear, ood, earthquake, radioactive contamination,
or damage from inherent product defects or vermin;
• Damage or theft resulting from mis-delivery or voluntary
parting from the Eligible Cellular Wireless Telephone;
• Replacement of Eligible Cellular Wireless Telephone(s)
purchased from anyone other than a cellular service
provider’s retail or Internet store that has the ability to
initiate activation with the cellular service provider;
• Taxes, delivery or transportation charges or any fees
associated with the service provided; and
• Losses covered under a warranty issued by a manufacturer,
distributor or seller.
In addition, we shall not be deemed to provide cover and we
shall not be liable to pay any claim or provide any benet
under the Group Policy to the extent that the provision
of such cover, payment of such claim or provision of such
benet would expose us, our parent company or its ultimate
controlling entity to any sanction, prohibition or restriction
under United Nations resolutions or the trade or economic
sanctions, laws or regulations of the European Union or the
United States of America.
E. How to le a claim
• Call 1-800-Mastercard or go to www.mycardbenets.com
to open a claim. You must report the claim within 90 days
of the loss, or as soon as reasonably possible, or the claim
may not be honored. Upon receipt of a notice of claim, we
will provide you with the necessary instructions for ling
proof of loss. Written proof of loss must be submitted to our
Administrator within 120 days of the loss or the claim may
not be honored. Required documentation may include but is
not limited to the following:
• Your card statement reecting the monthly Eligible Cellular
Wireless Telephone payments for the month preceding the
date the Eligible Cellular Wireless Telephone was Stolen or
suered damage;
• A copy of your current wireless service provider’s billing
statement;
• If a claim is due to damage, a copy of the repair estimate and
photos of the damage;
• If the claim is due to theft, a copy of the police report led
within 48 hours of the theft; and
• Any other documentation or information reasonably
requested by us to support the claim.
Legal Disclosure
This Guide to Benets is not, by itself, a policy or contract of
insurance or other contract.
Benets are provided to you, the Cardholder, at no additional
charge.
The insurance benets are provided under the Group Policy
issued by New Hampshire Insurance Company, an AIG
company. This Guide to Benets is a summary of benets
provided to you. The attached Key Terms and EOC are
governed by the Group Policy.
Eective date of benets: This Guide to Benets replaces
all prior disclosures, program descriptions, advertising, and
brochures by any party. The Policyholder and the insurer
reserve the right to change the benets and features of these
programs at any time. Notice will be provided for any changes.
Cancellation: The Policyholder may cancel these benets at
any time or choose not to renew the insurance coverage for
all Cardholders. If the Policyholder cancels these benets, you
will be notied in advance. If we terminate, cancel, or choose
not to renew the coverage to the Policyholder, you will be
notied as soon as is practicable. Insurance benets will still
apply for any eligible coverage that attaches prior to the date
of such termination, cancellation, or non-renewal, subject to
the terms and conditions of coverage.
Benets to you: These benets apply only to Eligible
Accounts issued in the United States. The United States is
dened as the fty U.S. states and the District of Columbia.
No person or entity other than you shall have any legal or
equitable right, remedy, or claim for benets, insurance
proceeds and damages under or arising out of these
programs. These benets do not apply if your card privileges
have been cancelled. However, insurance benets will still
apply for any benet you were eligible for prior to the date
that your Eligible Account is suspended or cancelled, subject to
the terms and conditions of coverage.
Transfer of rights or benets: The Group Policy is not
assignable, but the benets may be assigned.
Intentional Misrepresentation and Fraud: If any request for
benets made under the Group Policy is determined to be
fraudulent, or if any fraudulent means or devices are used
by you or anyone qualifying as an insured to obtain benets
under the Group Policy, all benets will be forfeited. No
coverage is provided if you or anyone qualifying as an insured
does the following: (1) Conceals or misrepresents any fact
upon which we rely, if the concealment or misrepresentation
is material and is made with the intent to deceive; or (2)
conceals or misrepresents any fact that contributes to the
loss.
Due Diligence: You must exercise or perform all vigilant
activity, attentiveness, and care that would be exercised or
performed by a reasonable and prudent person in the same or
similar circumstances to avoid, diminish, or reduce any loss or
damage insured under the Group Policy.
Subrogation: If payment is made under these benets, we
are entitled to recover such amounts, to the extent of our
payments, from other parties or persons. Any party or person
who receives payment under these benets must transfer
to us his or her rights to recovery against any other party or
person and must do everything necessary to secure these
rights and must do nothing that would jeopardize them.
Salvage: If an item is not repairable, we may request that
you send the item to us for salvage at your expense. Failure to
remit the requested item for salvage to us may result in denial
of the claim.
Severability of Provisions: If in the future any one or more of
the provisions of this Guide to Benets is, to any extent and
for any reason, held to be invalid or unenforceable, then such
provision(s) shall be deemed “severable” from the remaining
provisions of the Guide. In that event, all other provisions of
this Guide shall remain valid and enforceable.
Benets listed in this Guide to Benets are subject to the
conditions, limitations, and exclusions described in each
benet section. Receipt and/or possession of this Guide
to Benets does not guarantee coverage or coverage
availability.
This Guide is intended as a summary of services, benets, and
coverages and, in case of a conict between the Guide and
the Group Policy, the Group Policy shall control.
Washington Residents: For Washington residents only,
Evidence of Coverage (EOC) means the section of this
Guide to Benets that describes the terms, conditions, and
exclusions of your coverage. The EOC, Key Terms, and Legal
Disclosures are in the entire agreement between you and us.
Representations or promises made by anyone that are not
contained in the EOC, Key Terms, or Legal Disclosures are not
part of your coverage. In case of a conict between this Guide
to Benets and the Group Policy, the Guide to Benets shall
control.
Mastercard Travel & Lifestyle Services
Description
Mastercard Travel & Lifestyle Services is a unique, hightouch,
high-tech, travel service that is available to all eligible Premier
World cardholders. Mastercard Travel & Lifestyle Services
connects cardholders and their families to a wide range of
luxury benets, such as:
• Savings on select airlines and private jets
• Savings and upgrades across participating car rental
companies
• Global Airport Concierge discounts
• Luxury Hotels and Resorts Collection amenities
• Mastercard Hotel Stay Guarantee*
• Mastercard Lowest Hotel Rate Guarantee**
• Tour and Vacation packages with customized itineraries to
meet the needs of cardholders and their families
• Shipboard credits with selected providers along with a free
hotel night before or after a cruise up to $250 USD***
• High-quality homes and villas in the most sought-after
destinations in the world
• The most coveted events and nightlife venues around the
globe
• Streaming entertainment packages at home, from the
comfort of your couch
* The Mastercard Travel & Lifestyle Services Hotel Stay Guarantee is simple – if you book your three
star or higher hotel stay through the Mastercard Travel & Lifestyle Services program and you encounter
problems with the hotel, contact Ten Lifestyle Group plc, the designated travel agent for the Mastercard
Travel & Lifestyle Services program at Toll Free (US) +1 855 802 1387 during your stay and a Ten
Lifestyle manager will attempt to make it right for the remainder of your stay by working directly with
the hotel to try to resolve your issue or will make eorts to nd you comparable accommodations.
** Mastercard Lowest Hotel Rate Guarantee: If you book a qualifying ‘prepaid hotel rate’ or ‘pay at
local hotel rate’ hotel stay through the Mastercard Travel & Lifestyle Services program either online or
through an authorized program agent using your Mastercard and then nd the same hotel room type,
in the same hotel, for the same dates, the same number of children and adults, at a lower price online,
before taxes and fees, we’ll refund you the dierence. To receive a refund you must submit a claim as
described in the Terms & Conditions prior to your stay and at least seventy-two (72) hours before the
date of your reservation check-in.
*** Terms and conditions apply. Contact your Mastercard representative for full details.
Details
How does Mastercard Travel & Lifestyle Services work?
Online cardholder experience
• Cardholder logs on to dedicated platform to create member
prole to search and book travel or concierge requests
• Self-service or Live chat with Lifestyle Manager based on
needs
• Special pricing and Hotel Stay Guarantee* oered during
search process
• Purchase trip with Mastercard in seamless checkout process
• Receive email conrmation with itinerary
Oine cardholder experience
• Cardholder contacts Lifestyle Manager via phone
• Discuss benet options with Lifestyle Manager based on
needs
• Lifestyle Manager oers special benet pricing where
available and benet awareness to the cardholder
• Cardholder purchases item with their Mastercard
• Cardholder receives conrmation via email with itinerary
Let Mastercard Travel & Lifestyle Services assist you today to
create the experience of a lifetime. Our experts look forward
to assisting you at 1-800-Mastercard, 1-855-802-1387, or
http://travel.mastercard.com.
Certain terms, conditions and exclusions apply. This benet
may be subject to change without prior notice. Please visit
http://travel.mastercard.com/product/terms for the latest
benet information and terms & conditions.
Mastercard Global Service™
Mastercard Global Service™ provides worldwide, 24-hour
assistance with Lost and Stolen Card Reporting, Emergency
Card Replacement, and Emergency Cash Advance.
Call Mastercard Global Service immediately to report your
card lost or stolen and to cancel the account. If you need to
make purchases or arrange for a cash advance, with your
issuer’s approval, you can receive a temporary card the next
day in the United States, and within two business days almost
everywhere else.
Remember, if you report your card lost or stolen, you will not
be responsible for any unauthorized transactions on your
account.
In the United States (including all 50 states, the District
of Columbia, the U.S. Virgin Islands, and Puerto Rico) and
Canada, call 1-800-307-7309.
When out-of-country and in need of assistance, you can
easily reach a specially trained Mastercard Global Service
Representative who can help you 24 hours a day, 365 days
a year, in any language. You can call toll-free from over 80
countries worldwide. Some of the key toll-free Mastercard
Global Service telephone numbers are:
Australia ............ 1-800-120-113 Mexico ............001-800-307-7309
Austria ...............0800-070-6138 Netherlands ........ 0800-022-5821
France ................ 0-800-90-1387 Poland .............. 0-0800-111-1211
Germany ............0800-071-3542 Portugal .................. 800-8-11-272
Hungary .................06800-12517 Spain ......................... 900-822-756
Ireland ................ 1-800-55-7378 United Kingdom ....0800-96-4767
Italy ......................... 800-870-866 Virgin Islands ......1-800-307-7309
For additional information, or for country-specic, toll-free
telephone numbers not listed above, visit our website at
www.mastercard.com or call the United States collect at
1-636-722-7111.
Account Information and Card Benets:
When in the United States, contact your card issuer directly
for account information and 1-800-Mastercard for card
benets. When traveling outside the U.S., call Mastercard
Global Service to access your card issuer for account
information or to access any of your card benets.
ATM Locations:
Call 1-877-FINDATM (1-877-346-3286) to nd the location
of a nearby ATM in the Mastercard ATM Network accepting
Mastercard®, Maestro®, and Cirrus® brands. Also, visit our
website at www.mastercard.com to use our ATM locator.
You can get cash at over two million ATMs worldwide.
To enable cash access, be sure you know your Personal
Identication Number (PIN) before you travel.
Purchase Assurance
Evidence of Coverage
Pursuant to the below terms and conditions, when an item
you bought with your covered card is damaged or stolen
within ninety (90) days of purchase, you may be eligible for
benets under this coverage.
Refer to Key Terms for the denitions of you, your, we, us, our,
and words that appear in bold and Legal Disclosures.
A. To get coverage:
• You must purchase the new item entirely with your covered
card and/or accumulated points from your covered card for
yourself or to give as a gift.
B. The kind of coverage you receive:
• Most items you purchase entirely with your covered card are
covered if damaged or stolen for ninety (90) days from the
date of purchase as indicated on your covered card’s receipt.
• Items you purchase with your covered card and give as gifts
also are covered.
• This coverage is secondary to any other applicable insurance
or coverage available to you or the gift recipient. Coverage
is limited to only those amounts not covered by any other
insurance or coverage benet.
C. Coverage limitations:
• Coverage is limited to the lesser of the following:
• The actual cost of the item (excluding delivery and
transportation costs).
• A maximum of $1,000 per loss and a total of $25,000 per
cardholder account per twelve (12) month period.
• Purchases that are made up of a pair or set will be limited
to the cost of repair or replacement of the specic item
stolen or damaged. If the specic item cannot be replaced
individually or repaired, the value of the pair or set will be
covered not to exceed the limits above.
• Coverage for stolen or damaged jewelry or ne art will be
limited to the actual purchase price as listed on your credit
card statement, regardless of sentimental or appreciated
market value.
D. What is NOT covered:
• Items left in public sight, out of arm’s reach, lacking care,
custody or control by the cardholder.
• Lost items, and items that mysteriously disappear (the only
proof of loss is unexplained or there is no physical evidence to
show what happened to the item) without any evidence of a
wrongful act.
• Items that are stolen from any location or place (including,
but not limited to, exercise facilities, places of employment,
schools, or places of worship) due to the lack of due diligence
by you or another party.
• Items lost, stolen, damaged, or mis-delivered while under
the care, custody, and control of another party or common
carrier (including, but not limited to, airlines, the U.S. Postal
Service, UPS, FedEx, or other delivery services).
• Losses due to normal wear and tear, misuse, gradual
deterioration, and/or abuse.
• Losses resulting from any dishonest, fraudulent, or criminal
act committed or arranged by you.
• Losses that cannot be veried or substantiated.
• Items covered by a manufacturer’s recall or class action suit.
• Items that you damage through alteration (including, but
not limited to, cutting, sawing, shaping).
• Used or antique items; collectibles of any kind (such as items
designed for people to collect or items that over time become
collectibles); recycled, previously owned, refurbished, rebuilt,
or remanufactured items.
• Stolen items without a documented report from the police.
• Items that are damaged during transport via any mode.
• Items stolen from the interior or exterior of a watercraft/
boat, aircraft, motorcycle, automobile or any other motor
vehicles.
• Motorized vehicles, including, but not limited to, automobiles,
watercraft/boats, aircraft, and motorcycles, or their motors,
equipment, or accessories. Motorized equipment not
designed for transportation and used solely for the upkeep
and maintenance of a residence is eligible for coverage.
(including, but not limited to, snow thrower, lawn mowers,
and hedge trimmers).
• Land, any buildings (including, but not limited to, homes
and dwellings), permanently installed items, xtures, or
structures.
• Traveler’s checks, tickets of any kind (e.g., for airlines,
sporting events, concerts, or lottery), negotiable instruments,
bullion, rare, or precious metals, stamps, and coins, currency
or its equivalent.
• Losses caused by insects, animals, or pets.
• Plants, shrubs, animals, pets, consumables, and perishables.
• Items purchased for resale, rental, professional, or
commercial use.
• Professional services (including, but not limited to, the
performance or rendering of labor or maintenance; repair
or installation of products, goods, or property; professional
advice of any kind, including, but not limited to, information/
services or advice secured from any help or support line;
or technical support for software, hardware, or any other
peripherals).
• Application programs, computer programs, operating
software, and other software.
• Losses resulting from war or hostilities of any kind (including,
but not limited to, invasion, terrorism, rebellion, insurrection,
riot, or civil commotion); conscation or damage by any
government, public authority, or customs ocial; risks of
contraband; illegal activity or acts.
• Losses caused by power surge, contamination by radioactive
or hazardous substances, including mold.
• Direct or indirect loss resulting from any Acts of God
(including, but not limited to, ood, hurricane, lightning, and
earthquake).
• Losses caused by liquids, uids, oils, chemicals, or bodily
uids/excretions.
• Game animals, pets, or specimens preserved for display (e.g.,
sh, birds, reptiles, or mammals).
• Items stolen or damaged at a new home construction site.
• Rented, leased, or borrowed items for which you will be held
responsible.
• Trip, service, or diagnostic charges in the absence of any
covered repairs or veried failure.
• Any shipping charges, transportation and delivery charges, or
promised time frames for delivery, whether or not stated or
covered by the manufacturer’s warranty.
E. How to le a claim:
• Call 1-800-Mastercard or go to www.mycardbenets.com
to initiate a claim. You must report the claim within sixty (60)
days of the loss or the claim may not be honored.
• Submit the following documentation within one hundred and
eighty (180) days of the date you report the claim:
o Repair estimate for damaged item(s).
o Photograph clearly showing damage, if applicable.
o Receipt showing purchase of covered item(s).
o Statement showing purchase of covered item(s).
o Report from police listing any items stolen.
o Copy of the declarations page of any applicable insurance
or protection (including, but not limited to, homeowner’s,
renter’s, or auto insurance policy).
• Any other documentation that may be reasonably requested
by us or our administrator to validate a claim.
Baggage Delay
Evidence of Coverage
Refer to Key Terms for the denitions of you, your, we, us, our,
and words that appear in bold and Legal Disclosures.
A. To get coverage:
You must pay the entire cost of the common carrier ticket(s)
with your covered card and/or accumulated points from your
covered card.
B. The kind of coverage you receive:
• Reimbursement for the actual cost of replacing, on an
emergency basis, any personal articles (e.g., clothing, hygiene
and/or grooming products) or business eects (e.g., uniforms
or general oce supplies) contained in your checked
baggage, if the checked baggage is delayed in getting to you
at your scheduled destination.
• Coverage begins when the baggage is checked in with the
common carrier by you. This includes curbside check-in with
facility-designated personnel.
• Coverage ends when you regain possession of your checked
baggage from the common carrier. This includes curbside
checkout with facility-designated personnel.
• Coverage is secondary to any other applicable insurance
or coverage available to you including benets provided by
the common carrier (including, but not limited to, goodwill
payments, refunds, credit/vouchers). Coverage is limited
to only those amounts not covered by any other insurance
or coverage or common carrier benets (including, but not
limited to, goodwill payments, refunds, credit/vouchers).
C. Coverage limitations:
Coverage is limited to the actual cost, up to $250 per claim,
of replacing, on an emergency basis, any personal articles or
business eects contained in your checked baggage. There is
a maximum of two (2) claim(s) per twelve (12) month period.
D. What is NOT covered:
• Plants, shrubs, animals, consumables, and perishables.
• Art objects, antique items, collectibles of any kind (such as
items designed for people to collect or items that over time
become collectibles).
• All types of stored data or music (including, but not limited
to, computer software, DVDs, video cassettes, CDs, audio
cassettes, and lm).
• Keys, travelers’ checks, visas, documents of any kind, tickets
of any kind (e.g. airlines, sporting events, concerts, or lottery),
negotiable instruments, bullion, rare, or precious metals,
stamps, and coins, currency or its equivalent.
• Property shipped as freight (including, but not limited, to
automobiles and their equipment, motorcycles, gasoline or
oils, and electrical free-standing motors.
• Computers, printers, or any computer related equipment.
• Rugs, cameras, radios, CD or DVD player, sporting
equipment, cellular phones, or household furniture.
• Losses resulting from war or hostilities of any kind (including,
but not limited to, invasion, terrorism, rebellion, insurrection,
riot, or civil commotion); conscation, expropriation or
detention by any government, public authority, or customs
ocial; illegal activity or acts.
• Losses resulting from contamination by radioactive or
hazardous substances, including mold.
• Items specically identied or described in and/or insured
under any other insurance or indemnity policy.
• Indirect or direct damages resulting from a loss.
• Any items not contained in your checked baggage.
E. How to le a claim:
• Call 1-800-Mastercard or go to www.mycardbenets.com
to initiate a claim. You must report the claim within sixty (60)
days of the incident or the claim may not be honored.
• Report the baggage delay to the common carrier within
twenty-four (24) hours.
• Submit the following documentation within one hundred and
eighty (180) days of the date of incident or the claim may
not be honored:
o Receipt showing the purchase of travel tickets.
o Statement showing the purchase of travel tickets.
o Covered card travel point program statement showing the
common carrier ticket was paid for with redeemed points,
if applicable.
o Copy of the delayed checked baggage report or property
irregularity report that was submitted to the common
carrier prior to leaving the terminal premises.
o The result of any settlement by the common carrier.
o Receipts for the covered purchases.
• Any other documentation that may be reasonably requested
by us or our administrator to validate a claim.
Hotel/Motel Burglary
Evidence of Coverage
Refer to Key Terms for the denitions of you, your, we, us, our,
and words that appear in bold and Legal Disclosures.
A. To get coverage:
You must pay the entire cost of the hotel or motel room with
your covered card and/or accumulated points from your
covered card.
B. The kind of coverage you receive:
• Reimbursement for the cost of replacing or repairing your
item(s) that have been stolen or damaged resulting from a
burglary by forcible entry into your hotel or motel room.
• Coverage begins when you check into (i.e., occupy the room)
the hotel or motel.
• Coverage ends when you check out (i.e. vacate the room and
close out the bill) from the hotel or motel. Coverage will not
extend beyond the hotel or motel standard check out time.
• Coverage is secondary to any other applicable insurance or
coverage available to you including benets provided by the
hotel/motel company (including, but not limited, to goodwill
payments, refunds, credit/vouchers). Coverage is limited to
only those amounts not covered by any other insurance or
coverage, or hotel/motel company benets (including, but
not limited to, goodwill payments, refunds, credit/vouchers).
C. Coverage limitations:
Coverage is limited to the actual cost up to $1,500 per
claim to replace or repair your personal property that has
been stolen or damaged as a result of a burglary. There is a
maximum of two (2) claim(s) per twelve (12) month period.
D. Where you are covered:
Coverage applies worldwide.
E. What is NOT covered:
• Loss resulting from war or hostilities of any kind (including,
but not limited to, invasion, terrorism, rebellion, insurrection,
riot, or civil commotion); conscation, expropriation or
detention by any government, public authority, or customs
ocial; illegal activity or acts.
• Loss resulting from any dishonest, fraudulent, or criminal act
committed or arranged by you.
• Loss resulting from contamination by radioactive or
hazardous substances, including mold.
• Personal property contained in the hotel or motel safety
deposit box.
• Electronic equipment (including but not limited to, laptops,
PDAs, video/lm cameras, or hearing aids) or sporting
equipment.
• Eyeglasses, contact lenses, prosthetic devices, dentures,
silverware, furs, household furniture, or documents (including,
but not limited to, visas and IDs).
• Plants, shrubs, animals, pets, consumables, and perishables.
• Traveler’s checks, tickets of any kind (e.g., for airlines,
sporting events, concerts, or lottery), negotiable instruments,
bullion, rare, or precious metals, stamps, and coins, currency
or its equivalent.
• Jewelry, art, used or antique items; collectibles of any kind
(such as items designed for people to collect or items that
over time become collectibles); recycled, previously owned,
refurbished, rebuilt, or remanufactured items.
F. How to le a claim:
Call 1-800-Mastercard or go to www.mycardbenets.com
to initiate a claim. You must report the claim within sixty (60)
days of the incident or the claim may not be honored.
Submit the following documentation within one hundred and
eighty (180) days of the date of incident or the claim may not
be honored:
• Receipt showing hotel/motel charges.
• Statement showing hotel/motel charges.
• Covered card travel point program statement showing the
hotel or motel room was paid for with redeemed points.
• Police report from the police and hotel/motel listing the
items that were stolen.
• Result of any settlement or denial by the hotel or motel.
• Copy of initial claim report submitted to the hotel or motel.
• Proof of ownership of each item stolen (i.e. original receipts,
pictures, etc.).
Any other documentation that may be reasonably requested
by us or our administrator to validate a claim.
Lost or Damaged Luggage
Evidence of Coverage
Refer to Key Terms for the denitions of you, your, we, us, our,
and words that appear in bold and Legal Disclosures.
A. To get coverage:
You must pay the entire cost of the common carrier ticket(s)
with your covered card and/or accumulated points from your
covered card.
B. The kind of coverage you receive:
• Reimbursement for the actual cost of repairing or replacing
your checked or carry-on luggage and personal property
contained therein that is lost or damaged.
• Coverage begins when the luggage is checked in or carried on
to the common carrier by you. This includes curbside check in
with facility-designated personnel.
• Coverage ends each time you regain possession of the
checked luggage from, or carry the luggage o of the
common carrier or twenty-four (24) hours after you depart
from the common carrier, whichever comes rst.
• Coverage is secondary to any other applicable insurance
or coverage available to you including benets provided by
the common carrier (including, but not limited to, goodwill
payments, refunds, credit/vouchers). Coverage is limited
to only those amounts not covered by any other insurance
or coverage, or common carrier benets (including, but not
limited to, goodwill payments, refunds, credit/vouchers).
C. Coverage limitations:
Coverage is limited to the actual cost, up to $1,500 per
incident of repairing or replacing your checked and/or carry-
on luggage and any personal property contained within. There
is a maximum of two (2) claim(s) per twelve (12) month
period.
D. Where you are covered:
Coverage applies worldwide.
E. What is NOT covered:
• Loss or damage of luggage or personal property for regularly
scheduled short-distance travel under one hundred (100)
miles.
• Loss or damage resulting from any dishonest, fraudulent, or
criminal act committed or arranged by you.
• Loss resulting from war or hostilities of any kind (including,
but not limited to, invasion, terrorism, rebellion, insurrection,
riot, or civil commotion); conscation, expropriation or
detention by any government, public authority, or customs
ocial; illegal activity or acts.
• Loss resulting from contamination by radioactive or
hazardous substances, including mold.
• Sporting equipment or musical instruments, unless checked
in as luggage with the common carrier and for which a claim
check has been issued.
• Electronic equipment (including, but not limited to, laptops,
PDAs, video/lm cameras, or hearing aids).
• Eyeglasses, contact lenses, prosthetic devices, dentures,
silverware, furs, household furniture, or documents (including,
but not limited to, visas and IDs).
• Plants, shrubs, animals, consumables, and perishables.
• Traveler’s checks, tickets of any kind (e.g., for airlines,
sporting events, concerts, or lottery), negotiable instruments,
bullion, rare, or precious metals, stamps, and coins, currency
or its equivalent.
• Jewelry, art, used or antique items; collectibles of any kind
(such as items designed for people to collect or items that
over time become collectibles); recycled, previously owned,
refurbished, rebuilt, or remanufactured items.
• Defective material or workmanship, ordinary wear and tear
or normal deterioration.
• Loss or damage not reported within the time period
required, as stipulated in the claim procedure.
• Loss or damage where the common carrier completely
denies a claim for checked and/or carry-on luggage.
• Items excluded under the common carrier’s coverage (except
carry-on luggage).
• Loss or damage where the common carrier pays the claim in
full or repairs the damage.
• Interest or conversion fees that are charged to your covered
card by the nancial institution.
F. How to le a claim:
• Call 1-800-Mastercard or go to www.mycardbenets.com
to initiate a claim. You must report the claim within sixty (60)
days of the incident or the claim may not be honored.
• Report within twenty-four (24) hours any loss or damage to
the common carrier.
• Submit the following documentation within one hundred and
eighty (180) days of the date of incident or the claim may
not be honored:
o Receipt showing the purchase of common carrier tickets.
o Statement showing the purchase of common carrier
tickets.
o Copy of initial claim report submitted to the common
carrier.
o Covered card travel point program statement showing the
common carrier ticket was paid for with redeemed points.
o Report from police, if applicable.
o The result of any settlement by the common carrier.
o Receipts showing that your luggage or personal property
has actually been repaired or replaced.
• Any other documentation that may be reasonably requested
by us or our administrator to validate a claim.
MasterRental™ Coverage – 31 Days – Domestic
and International
Key Terms
Throughout this document, You and Your refer to the
cardholder or authorized user of the covered card. We, Us,
and Our refer to New Hampshire Insurance Company, an AIG
Company.
Administrator means Sedgwick Claims Management
Services, Inc. You may contact the administrator if you have
questions regarding this coverage or would like to make
a claim. The administrator can be reached by phone at
1-800-Mastercard.
Authorized Driver(s) means a driver with a valid driver’s
license issued from their state of residence and indicated on
the rental agreement.
Authorized User means an individual who is authorized to
make purchases on the covered card by the cardholder and is
recorded by the Participating Organization on its records as
being an authorized user.
Cardholder means the person who has been issued an
account by the Participating Organization for the covered
card.
Covered Card means the Mastercard card.
Damage means items that can no longer perform the
function they were intended to do in normal service due to
broken parts, material or structural failures.
Evidence of Coverage (EOC) means the document describing
the terms, conditions, and exclusions. The EOC, Key Terms, and
Legal Disclosures are the entire agreement between You and
Us. Representations or promises made by anyone that are not
contained in the EOC, Key Terms, or Legal Disclosures are not
a part of your coverage.
Rental Agreement means the entire agreement or contract
that you receive when renting a vehicle from a vehicle rental
agency that describes in full all of the terms and conditions of
the rental, as well as the responsibility of all parties under the
rental agreement.
Stolen means items that are taken by force and/or under
duress or the disappearance of the item from a known place
under circumstances that would indicate the probability of
theft.
United States Dollars (USD) means the currency of the
United States of America.
Vehicle means a land motor vehicle with four wheels that
is designed for use on public roads and intended for use on
a bound surface such as concrete and tarmac. This includes
minivans and sport utility vehicles that are designed to
accommodate less than nine (9) passengers.
Evidence of Coverage
Pursuant to the below terms and conditions, when you rent a
vehicle for thirty-one (31) consecutive days or less with your
covered card, you are eligible for bene ts under this coverage.
Refer to Key Terms for the denitions of you, your, we, us, our,
and words that appear in bold and Legal Disclosures.
A. To get coverage:
You must initiate and then pay for the entire rental agreement
(tax, gasoline, and airport fees are not considered rental
charges) with your covered card and/or the accumulated
points from your covered card at the time the vehicle is
returned. If a rental company promotion/discount of any kind
is initially applied toward payment of the rental vehicle, at
least one (1) full day of rental must be billed to your covered
card.
You must decline the optional collision/damage waiver (or
similar coverage) o ered by the rental company.
You must rent the vehicle in your own name and sign the
rental agreement.
Your rental agreement must be for a rental period of no more
than thirty-one (31) consecutive days. Rental periods that
exceed or are intended to exceed thirty-one (31) consecutive
days are not covered.
B. The kind of coverage you receive:
We will pay for the following on a secondary basis:
• Physical damage and theft of the vehicle, not to exceed the
limits outlined below.
• Reasonable loss of use charges imposed by the vehicle rental
company for the period of time the rental vehicle is out of
service. Loss of use. charges must be substantiated by a
location and class-specic eet utilization log.
• Towing charges to the nearest collision repair facility.
This coverage is not all-inclusive, which means it does not
cover such things as personal injury, personal liability, or
personal property. It does not cover you for any damages to
other vehicles or property. It does not cover you for any injury
to any party.
C. Coordination of benets:
When MasterRental is provided on a secondary basis and
a covered loss has occurred, the order in which benets are
determined is as follows:
• 1. You or an authorized driver’s primary auto insurance;
• 2. Collision/damage waiver provided to you by the rental
agency;
• 3. Any other collectible insurance;
• 4. The coverage provided under this EOC.
If you or an authorized driver’s primary auto insurance or other
coverage has made payments for a covered loss, we will cover
your deductible and any other eligible amounts, described in
Section B, not covered by the other insurance.
Note: In certain parts of the United States and Canada,
losses to rental vehicles that are covered by your personal
vehicle insurance policy liability section may not be subject
to a deductible, which means that you may not receive any
benets from this program. Contact your insurance provider
for full coverage details pertaining to your personal vehicle
liability insurance policy (or similar coverage).
If you have no other insurance or your insurance does not cover
you in territories or countries outside of the United States,
coverage is considered primary coverage.
D. Who is covered:
The covered card cardholder and those designated in the
rental agreement as authorized drivers.
E. Excluded rental vehicles:
• All trucks, pickups, full-size vans mounted on truck chassis
(including, but not limited to, Ford EconoVan), cargo vans,
campers, o-road vehicles, and other recreational vehicles.
• All sport utility trucks. These are vehicles that have been, or
can be converted to an open, atbed truck (including, but
not limited to, Chevy Avalanche, GMC Envoy, and Cadillac
Escalade EXT).
• Trailers, motorbikes, motorcycles, and any other vehicle
having fewer than four (4) wheels.
• Antique vehicles (vehicles that are more than twenty (20)
years old or have not been manufactured for at least ten
(10) years), or limousines.
F. Where you are covered:
Coverage is available worldwide.
Coverage is not available in countries where:
a) This EOC is prohibited by that country’s law; or
b) The terms of the EOC are in conict with the laws of that
country.
G. Coverage limitations:
We will pay the lesser of the following:
a) The actual repair amount;
b) Wholesale market value less salvage and depreciation;
c) The rental agency’s purchase invoice less salvage and
depreciation.
In addition, coverage is limited to $500 per incident for
reasonable loss of use charges imposed by the vehicle rental
company for the period of time the rental vehicle is out of
service.
We will not pay for or duplicate the collision/damage waiver
coverage oered by the rental agency.
H. What is NOT covered:
• Any personal item stolen from the interior or exterior of
rental vehicles.
• Vehicle keys or portable Global Positioning Systems (GPS).
• Vehicles not rented by the cardholder or authorized user on
the covered card.
• Any person not designated in the rental agreement as an
authorized driver.
• Any obligations you assume other than what is specically
covered under the rental agreement or your primary vehicle
insurance or other indemnity policy.
• Any violation of the written terms and conditions of the
rental agreement.
• Any loss that occurs while driving under the inuence of
drugs or alcohol.
• Any loss associated with racing or reckless driving.
• Losses involving the theft of the rental vehicle when you or
an authorized driver cannot produce the keys to the rental
vehicle at the time of reporting the incident to the police
and/or rental agency, as a result of negligence.
• Mechanical failures caused by wear and tear, gradual
deterioration, or mechanical breakdown.
• Subsequent damages resulting from a failure to protect the
rental vehicle from further damage.
• Blowouts or tire/rim damage that is not caused by theft or
vandalism or is not a result of a vehicle collision causing tire
or rim damage.
• Rental vehicles where collision/damage waiver coverage (or
similar coverage) was accepted/purchased by you.
• Any damage that is of an intentional or non-accidental
nature, caused by you or an authorized driver of the rental
vehicle.
• Depreciation, diminishment of value, administrative, storage,
or other fees charged by the vehicle rental company.
• Vehicles with a rental agreement that exceeds or is intended
to exceed a rental period of thirty-one (31) consecutive days
from a rental agency.
• Losses resulting from any kind of illegal activity.
• Damage sustained on any surface, other than a bound
surface such as concrete or tarmac.
• Damage sustained on any road not regularly maintained by a
municipal, state, or federal entity.
• Losses as a result of war or hostilities of any kind (including,
but not limited to, invasion, terrorism, rebellion, insurrection,
riot, or civil commotion); conscation or damage by any
government, public authority, or customs ocial; risks of
contraband; illegal activity or acts.
• Any loss involving the rental vehicle being used for hire, for
commercial use, or as a public or livery conveyance.
• Theft of, or damage to, unlocked or unsecured vehicles.
• Value-added tax, or similar tax, unless reimbursement of
such tax is required by law.
I. How to le a claim:
• Visit www.mycardbenets.com or call 1-800-Mastercard
to open a claim. You must report the claim within sixty (60)
days of the loss or the claim may not be honored.
• You may choose to assign your benets under this insurance
program to the rental agency from which you rented your
vehicle. Please contact us or our designated representative
for further details.
• Submit the following documentation within one hundred and
eighty (180) days of the incident or the claim may not be
honored:
o Receipt showing the vehicle rental.
o Statement showing the vehicle rental.
o The rental agreement (front and back).
o Copy of Your valid driver’s license (front and back).
o Copy of the declarations page of any primary vehicle
insurance and other valid insurance or coverage.
o Police report when the vehicle is stolen, vandalized
(regardless of the damage), or involved in a collision that
requires the vehicle to be towed, in a multi-vehicle collision,
or the vehicle is not drivable.
o Itemized repair estimate from a factory authorized collision
repair facility.
o Copy of the vehicle rental company promotion/discount, if
applicable.
o Copy of the vehicle rental location class specic eet
utilization log, if loss of use charges are being claimed. You
must secure this log from the rental agency.
o Any other documentation that may be reasonably
requested by us or our administrator to validate a claim.
Legal Disclosure
This Guide to Benets is not, by itself, a policy or contract of
insurance or other contract.
Benets are provided to you, the account holder, at no
additional charge. Non-insurance services may have
associated costs, which will be your responsibility (for
example, legal referrals are free, but the lawyer’s fee is your
responsibility).
he insurance benets are provided under a group policy issued
by New Hampshire Insurance Company, an AIG company. This
Guide to Benets is a summary of benets provided to you.
The attached Key Terms and EOC is governed by the Group
Policy.
Eective date of benets: Eective July 1, 2019, this Guide
to Benets replaces all prior disclosures, program descriptions,
advertising, and brochures by any party. The Policyholder
and the insurer reserve the right to change the benets and
features of these programs at any time.
Notice will be provided for any changes.
Cancellation: The Policyholder can cancel these benets at
any time or choose not to renew the insurance coverage for
all cardholders. If the Policyholder does cancel these benets,
you will be notied in advance. If the insurance company
terminates, cancels, or chooses not to renew the coverage to
the Policyholder, you will be notied as soon as is practicable.
Insurance benets will still apply for any benets you were
eligible for prior to the date of such terminations, cancellation,
or non-renewal, subject to the terms and conditions of
coverage.
Benets to you: These benets apply only to the cardholder
whose cards are issued by U.S. nancial institutions. The
United States is dened as the fty (50) United States, the
District of Columbia, American Samoa, Puerto Rico, Guam,
and the U.S. Virgin Islands. No person or entity other than the
cardholder shall have any legal or equitable right, remedy, or
claim for benets, insurance proceeds and damages under or
arising out of these programs. These benets do not apply if
your card privileges have been cancelled. However, insurance
benets will still apply for any benet you were eligible for
prior to the date that your account is suspended or cancelled,
subject to the terms and conditions of coverage.
Transfer of rights or benets: No rights or benets provided
under these insurance benets may be assigned without the
prior written consent of the claim administrator for these
benets.
Misrepresentation and Fraud: Benets shall be void if the
cardholder has concealed or misrepresented any material
facts concerning this coverage.
Dispute Resolution – Arbitration: This EOC requires binding
arbitration if there is an unresolved dispute concerning
this EOC (including the cost of, lack of, or actual repair
or replacement arising from a loss or breakdown). Under
this Arbitration provision, You give up your right to resolve
any dispute arising from this EOC by a judge and/or a jury.
You also agree not to participate as a class representative
or class member in any class action litigation, any class
arbitration or any consolidation of individual arbitrations. In
arbitration, a group of three (3) arbitrators (each of whom is
an independent, neutral third party) will give a decision after
hearing the parties’ positions. The decision of a majority of the
arbitrators will determine the outcome of the arbitration and
the decision of the arbitrators shall be nal and binding and
cannot be reviewed or changed by, or appealed to, a court of
law.
To start arbitration, the disputing party must make a written
demand to the other party for arbitration. This demand must
be made within one (1) year of the earlier of the date the loss
occurred or the dispute arose. The parties will each separately
select an arbitrator. The two (2) arbitrators will select a third
arbitrator called an “umpire.” Each party will each pay the
expense of the arbitrator selected by that party. The expense
of the umpire will be shared equally by the parties. Unless
otherwise agreed to by the parties, the arbitration will take
place in the county and state in which You live. The arbitration
shall be governed by the Federal Arbitration Act (9 U.S.C.A.
§ 1 et. seq.) and not by any state law concerning arbitration.
The rules of the American Arbitration Association (www.adr.
org) will apply to any arbitration under this EOC. The laws of
the state of New York (without giving eect to its conict of
law principles) govern all matters arising out of or relating
to this EOC and all transactions contemplated by this EOC,
including, without limitation, the validity, interpretation,
construction, performance and enforcement of this EOC.
Due Diligence: All parties are expected to exercise due
diligence to avoid or diminish any theft, loss or damage to the
property insured under these programs. “Due diligence” means
the performance of all vigilant activity, attentiveness, and
care that would be taken by a reasonable and prudent person
in the same or similar circumstances in order to guard and
protect the item.
Subrogation: If payment is made under these benets, the
insurance company is entitled to recover such amounts from
other parties or persons. Any party or cardholder who receives
payment under these benets must transfer to the insurance
company his or her rights to recovery against any other party
or person and must do everything necessary to secure these
rights and must do nothing that would jeopardize them, or
these rights will be recovered from the cardholder.
Salvage: If an item is not repairable, the claim administrator
may request that the cardholder or gift recipient send the
item to the administrator for salvage at the cardholder’s or
gift recipient’s expense. Failure to remit the requested item for
salvage to the claim administrator may result in denial of the
claim.
Other Insurance: Coverage is secondary to and in excess of
any other applicable insurance or indemnity available to You.
Coverage is limited to only those amounts not covered by any
other insurance or indemnity. It is subject to the conditions,
limitations, and exclusions described in this document. In no
event will this coverage apply as contributing insurance. This
Other Insurance clause will take precedence over a similar
clause found in other insurance or indemnity language.
In no event will these insurance benets apply as contributing
insurance. The non-contribution insurance clause will take
precedence over the noncontribution clause found in any other
insurance policies.
Severability of Provisions: If in the future any one or more of
the provisions of this Guide to Benets is, to any extent and
for any reason, held to be invalid or unenforceable, then such
provision(s) shall be deemed “severable” from the remaining
provisions of the Guide. In that event, all other provisions of
this Guide shall remain valid and enforceable.
Benets listed in this Guide to Benets are subject to the
conditions, limitations, and exclusions described in each
benet section. Receipt and/ or possession of this Guide
to Benets does not guarantee coverage or coverage
availability.
This Guide is intended as a summary of services, benets, and
coverages and, in case of a conict between the Guide and
the master insurance policies, or an issuer’s, or the Mastercard
actual oerings, such master policies or actual oering shall
control. Provision of services is subject to availability and
applicable legal restrictions.
Priceless Cities
Priceless Cities is Mastercard’s experiential lifestyle platform,
oering cardholders exclusive access to more than 2,000
priceless experiences around the globe. This industry-leading
program unlocks a world of privileged access to the people
and places that mean the most to you, along with unique
experiences tailored to your biggest passions. Choose from
experiences in entertainment, culture, sports, dining, shopping,
and more—all curated by local experts to create once-in-a-
lifetime moments you can enjoy at home or abroad. Savor a
chef’s menu at the hottest restaurant in town. Cheer on your
team from Mastercard Best Seats in the House. Chat with
your favorite celebrity during a backstage meet-and-greet.
Hit the waves with a pro surfer. With a strong presence in
New York, Boston, Miami, Chicago, Las Vegas, Los Angeles,
and Hawaii, as well as 40 major destinations worldwide,
cardholders are never far from a chance to start something
priceless. Constantly updated with the latest seasonal
happenings and fresh new ways to experience the classics,
Priceless Cities is available in 89 countries in 16 languages.
Eligibility
The Priceless Cities platform is available to all Mastercard
cardholders who register with Priceless.com.
How to use the Priceless Cities benet
• Visit Priceless.com and browse priceless experiences by
interest, activity, occasion, or location, then use your
Mastercard to make it yours.
• Sign up for Priceless Cities email updates to learn about the
latest experiences in your key passion points.
• Take advantage of experiences in your home city, or in
Priceless Cities around the world.
Priceless Golf
Fuel your passion for golf by visiting priceless.com/golf – your
one-stop destination for all Mastercard cardholder golf
benets. Play golf at the TPC course of your dreams. Enjoy
discounts on public tee times without booking fees. Choose
from a variety of golf travel packages at iconic destinations.
And so much more!
Eligibility
Mastercard golf benets are available to all Mastercard
cardholders.
How to use the Priceless Golf benet
• Visit Priceless.com/golf and browse your benets, then buy
with Mastercard to make it yours.
• Sign up for Priceless Golf email updates to learn about the
latest golf experiences available to you.
Mastercard Airport Concierge™
Your passport to the ner side of air travel.
Enjoy a 15% savings on Airport Meet and Greet services.
Arrange for a personal, dedicated Meet and Greet agent
to escort you through the airport on departure, arrival or
any connecting ights at over 700 destinations worldwide
24 hours a day, 7 days a week, 365 days a year. There are
also certain airports where you can be expedited through
the security and/or the immigration process. To reserve
Mastercard Airport Concierge services visit www.mastercard.
com/airportconcierge or consult your Travel Advisor.
This benet may be subject to change without prior
notice. Please visit www.mastercard.us/worldelite or call
1-800-Mastercard for the latest benet information.
Account and Billing Information
Important: Contact your card-issuing nancial institution
directly for questions concerning your account, such as
account balance, credit line, billing inquiries (including
transaction exchange rates), merchant disputes, or
information about additional services not described in this
Guide. Your nancial institution’s phone number should be
available on your monthly billing statement or on the back of
your card.
Legal Disclosure
This Guide to Benets is not, by itself, a policy or contract of
insurance or other contract.
Benets are provided to you, the Cardholder, at no additional
charge.
The insurance benets are provided under the Group Policy
issued by New Hampshire Insurance Company, an AIG
company. This Guide to Benets is a summary of benets
provided to you. The attached Key Terms and EOC are
governed by the Group Policy.
Eective date of benets: This Guide to Benets replaces
all prior disclosures, program descriptions, advertising, and
brochures by any party. The Policyholder and the insurer
reserve the right to change the benets and features of these
programs at any time. Notice will be provided for any changes.
Cancellation: The Policyholder may cancel these benets at
any time or choose not to renew the insurance coverage for
all Cardholders. If the Policyholder cancels these benets, you
will be notied in advance. If we terminate, cancel, or choose
not to renew the coverage to the Policyholder, you will be
notied as soon as is practicable. Insurance benets will still
apply for any eligible coverage that attaches prior to the date
of such termination, cancellation, or non-renewal, subject to
the terms and conditions of coverage.
Benets to you: These benets apply only to Eligible
Accounts issued in the United States. The United States is
dened as the fty U.S. states and the District of Columbia.
No person or entity other than you shall have any legal or
equitable right, remedy, or claim for benets, insurance
proceeds and damages under or arising out of these
programs. These benets do not apply if your card privileges
have been cancelled. However, insurance benets will still
apply for any benet you were eligible for prior to the date
that your Eligible Account is suspended or cancelled, subject
to the terms and conditions of coverage.
Transfer of rights or benets: The Group Policy is not
assignable, but the benets may be assigned.
Intentional Misrepresentation and Fraud: If any request for
benets made under the Group Policy is determined to be
fraudulent, or if any fraudulent means or devices are used
by you or anyone qualifying as an insured to obtain benets
under the Group Policy, all benets will be forfeited. No
coverage is provided if you or anyone qualifying as an insured
does the following: (1) Conceals or misrepresents any fact
upon which we rely, if the concealment or misrepresentation
is material and is made with the intent to deceive; or (2)
conceals or misrepresents any fact that contributes to the
loss.
Due Diligence: You must exercise or perform all vigilant
activity, attentiveness, and care that would be exercised or
performed by a reasonable and prudent person in the same or
similar circumstances to avoid, diminish, or reduce any loss or
damage insured under the Group Policy.
Subrogation: If payment is made under these benets, we
are entitled to recover such amounts, to the extent of our
payments, from other parties or persons. Any party or person
who receives payment under these benets must transfer
to us his or her rights to recovery against any other party or
person and must do everything necessary to secure these
rights and must do nothing that would jeopardize them.
Salvage: If an item is not repairable, we may request that
you send the item to us for salvage at your expense. Failure to
remit the requested item for salvage to us may result in denial
of the claim.
Severability of Provisions: If in the future any one or more of
the provisions of this Guide to Benets is, to any extent and
for any reason, held to be invalid or unenforceable, then such
provision(s) shall be deemed “severable” from the remaining
provisions of the Guide. In that event, all other provisions of
this Guide shall remain valid and enforceable.
Benets listed in this Guide to Benets are subject to the
conditions, limitations, and exclusions described in each
benet section. Receipt and/or possession of this Guide
to Benets does not guarantee coverage or coverage
availability.
This Guide is intended as a summary of services, benets, and
coverages and, in case of a conict between the Guide and
the Group Policy, the Group Policy shall control.
Washington Residents: For Washington residents only,
Evidence of Coverage (EOC) means the section of this
Guide to Benets that describes the terms, conditions, and
exclusions of your coverage. The EOC, Key Terms, and Legal
Disclosures are in the entire agreement between you and us.
Representations or promises made by anyone that are not
contained in the EOC, Key Terms, or Legal Disclosures are not
part of your coverage. In case of a conict between this Guide
to Benets and the Group Policy, the Guide to Benets shall
control.
©2024 Mastercard.
MKT3020_2024_08
CRED_WRLD_C_1120
To le a claim, call 1-800-Mastercard: 1-800-627-8372,
or en Español: 1-800-633-4466.
Visit our website at www.mastercard.com.
