Preferential rates and rewards - HSBC Advance - HSBC México

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Together,
We Advance

At HSBC, we'd never claim to play a starring role in your successes, but we're here to support them in every way we can.

Enjoy preferential rates and personalized rewards

There’s no such thing as a typical HSBC Advance customer, which is why we make the effort to understand your needs and how you like to bank. We’ll offer you localized offers and rewards that we think you’ll be interested in, as well as discounted rates that we’re sure you’ll enjoy. Do more with your money to achieve your financial goals.

Products & Benefits

HSBC Advance is aims to support your lifestyle so you can have everything you want with safety and absolute control

Benefits of HSBC Advance Platinum Credit Card(1)

  • Premium concierge, free of charge
  • Expedited clarification of unrecognized charges
  • Transfer of recurring charges as replacement for plastic
  • Access to exclusive parking and VISA's VIP Grand Lounge in Terminal 2 of Mexico City's International Airport
  • Months without interest(2) abroad
  • Preferential rate for all your major purchases(3)

Exclusive benefits for HSBC Advance customers

  • No annual fee (equivalent to $1,900 M.N) as long as you are an HSBC Advance customer
  • Insurance and exclusive promotions
  • Exclusive benefits and discounts on the Platinum VISA platform

Buy everything with your HSBC Advance Platinum Credit Card. If your purchases total at least $12,000 per month, you will be exempt from paying the HSBC Advance membership fee

Legal notices:

(1) HSBC Advance Platinum Credit Card. HSBC Advance Platinum average total annual cost 33.0% without VAT Informative Variable Rate Weighted average interest rate of 25.52% for balance, annual fee $1.900 M.N. without VAT. The annual fee will be waived as long the client continues to be an HSBC Advance member. Date of calculation July 17, , 2014. Check procurement requirements and fees on www.hsbcadvance.com.mx
(2) Months without interest Total Annual Cost Months without Interest 0% without VAT. Informative Fixed rate. Minimum accumulated purchase of $1,000 M.N. The customer will have to call to report purchases to HSBC's Contact Center at 5721 3390 or toll free at 01 800 712 4825 for the entire Mexican Republic, option 5-5. We recommend calling 3 days before your cut-off date. Does not apply to Basic Credit Card. The customer must be up to date on their payments and free of lock codes. Terms and conditions apply. Visit www.hsbc.com.mx/viajestdc.. To check procurement requirements and fees visit www.hsbc.com.mx
(3) Preferential rate of 12% annually applies to minimum purchases of $10,000 M.N. Maximum purchases of: $80,000 M.N. Only applies to customers who request to transfer their purchases to fixed payments and choose installments of 12, 24, 36, 48 or 60 months by calling HSBC's Contact Center at 5721 3390 or call the Advance Line at 5721 3466 from Mexico City or 01 800 836 8468 for the entire Mexican Republic, option 5-5. We recommend calling 3 days before your cut-off date. Cash advances and balance transfers do not apply. The customer must be up to date on their payments and free of lock codes. Terms and conditions apply. Check procurement requirements and fees on www.hsbc.com.mx

Get more for your purchases

As an HSBC Advance customer you are automatically subscribed to HSBC's Más Program with your HSBC Advance Platinum Credit Card. This program recognizes your loyalty by earning 1.2 points for each dollar spent, as well as additional points during year-round promotions, which you can exchange for:

  • Airplane tickets
  • Hotel reservations
  • Household and personal care electronics
  • Gift certificates and much more

Ask for them with a HSBC Executive

(5) HSBC's Más Program is subject to change without prior notice regarding the equivalence, transfer and validity of Points. In order to earn and redeem Points, card must be up to date in payments and free of lock codes. Points can be redeemed free of charge through Online Banking or by calling HSBC's Más Line at 01 800 MAS HSBC (6274722).

We know how important it is for your assets to have a greater scope, which is why HSBC Advance gives you the necessary tools to make your money work for you

Variety of investment products

At HSBC Advance we know how important it is to build your assets, which is why we have products for short, medium and long-term investments to help you achieve your goals.

Promissory Note

Express Investment

Fixed Rate CDs

Variable Rate CDs

Preferred stock series

As an HSBC Advance customer, we know you are looking for the best options to invest your money.

HSBC Advance offers you solutions via our preferred stock series:

Immediate Fund (HSBC-D2)

HSBC-F1

HSBC Advance Investment Funds Calculated for (HSBC-D2) Immediate Fund by comparing the BFP and BFS series between March 29, 2013 and March 31, 2014. On a total investment of $250,000 M.N. Calculation formula: final price divided by initial price times the invested amount. Customer Service: 5721 3466 in Mexico City or toll-free 01 800 836 8468. Paseo de la Reforma 347, Col. Cuauhtémoc, México D.F. Business hours: Monday through Friday 8:00 am a 1:30 pm (D.F.). Current or past performance does not guarantee an equal or better performance in the future. The reported yields are historic, their purpose is to show how an investment would have behaved during a certain period and do not guarantee what their future behavior may be. Operation characteristics and applicable fees are subject to the terms established in the information prospectus released to the investing public for each fund. These are National Coverage services. To check procurement requirements and obtain the information prospectus for the investing public visit www.hsbc.com.mx

With HSBC Advance Mortgage Loans(6) we’ll show you how to grow your assets so you can buy the home of your dreams.

Exclusive benefits for HSBC Advance customers

  • Attractive interest rates that vary according to the financing structure
  • Low down payment options
  • 50% discount on opening commission
  • No research costs

As an HSBC Advance customer, when you acquire a Mortgage Loan over $800,000 M.N. at HSBC, your membership fee will be waived for as long as the mortgage is in effect.

(6) Average Total Annual Cost 11.5% without VAT. Informative Calculation date: May 1st, 2014 Fixed interest rate 10.10% (without VAT). Calculated under the low payment method for a loan of $1 million pesos with 80% financing (property in a low-risk area) for a term of 20 years with the opening commission paid outright. National Coverage. Loan in National Currency (M.N.) Information subject to change without prior notice. Conditions apply. Subject to credit approval.

Whether the car is new or previously owned(7), HSBC's Car Loans(8) give you

  • 25% discount on opening commission(9)
  • Same-day loan approval once the necessary documentation has been delivered
  • Life insurance at no cost to you(10)
  • Car insurance, financed or paid in full(11)

As an HSBC Advance customer, when you acquire a Car Loan over $180,000 M.N. at HSBC, your membership fee will be waived for as long as the loan is in effect.

(7) New car up to 60 installments or agency previously owned up to 4 years old and up to 48 installments.
(8) Crédito Inmediauto Average Total Annual Cost 11.8% without VAT. Informative Calculated with a term of 48 installments with an average loan of $180,000 M.N., an interest rate of 10.40% without VAT, a 50% down payment and an opening commission of 1.5%. Date of calculation: March 14, 2014. Fixed rate. National Coverage. Loan in National Currency (M.N.) Information subject to change without prior notice. Conditions apply. Subject to credit approval. Check procurement requirements and fees on www.hsbc.com.mx
(9) Paid only once at the start of the loan.
(10) Life Insurance: the contracted coverage is over the outstanding balance of the loan plus its accessories, in the event of the Customer's death. The life insurance is free of charge for the customer. General conditions apply regarding the policy obtained by HSBC México, S.A. Institución de Banca Múltiple, HSBC Financial Group from HSBC Seguros S.A. de C.V., HSBC Financial Group.
(11) Damage Insurance (Car insurance): For the vehicle that integrates the credit garanty, with all the insurables risks and for an amount according the car value and on which is assignated as irrevocable benefeciary HSBC México, S.A. Institución de Banca Múltiple, Grupo Financiero HSBC. This insurance is registered and operated by AXA

We want you to achieve your dreams and projects today

Personal Loan(12)

We offer up to $250,000 M.N in financing and a preferential interest rate of 26%, plus:

  • 3-hour response time
  • Easy management - monthly installment is debited directly from your account
  • No opening commission
  • Free life insurance

Payroll Advance(13)

As an HSBC Advance customer you can request a Payroll Advance of up to $250,000 M.N. and take advantage of a preferential rate of 30% exclusively for HSBC Advance customers. The response time is 20 minutes.

(12) HSBC Personal Loan Average Total Annual Cost 34.5% without VAT. Informative Calculated at a term of 36 months with an average loan balance of $50,000.00 M.N. at a weighted average interest rate of 30.0% without VAT. Date of calculation: Wednesday, April 30, 2014. Fixed rate. The financial conditions of the products may vary according to market conditions. National Coverage. National Currency. Subject to credit approval.
(13) HSBC Payroll Loan Average Total Annual Cost 34.5% without VAT. Informative Calculated at a term of 36 months with an average loan balance of $11,000.00 M.N. at a weighted average interest rate of 30.0% without VAT. Date of calculation: Friday, May 30, 2014. Fixed Rate. The financial conditions of the products may vary according to market conditions. National Coverage. National Currency. Subject to credit approval.

With the right protection you don't have to worry about the future. Protect the most important things, like your family, lifestyle and assets.

Advance Life Insurance(14)

  • Insured sum from $500,000 M.N. and up to $3,000,000 M.N. or dollar equivalent, no medical examination required
  • Fixed premium throughout the life of the policy or until your 65th birthday
  • Support for terminal illnesses, 50% advance of the insured sum for the basic coverage of death
  • If you choose an annual or semi-annual payment method you get a medical check-up free of charge(15)

Exclusive benefits for HSBC Advance customers

  • 10% discount upon purchase of the insurance policy(16)
  • Interest-free months with your HSBC Credit Card(17)
  • Medical check-up(14) at no additional cost for policies with annual or semi-annual payment methods

(14) Advance Life Insurance The general conditions of Life Insurance 65, registered by HSBC Seguros S.A. de C.V. , apply HSBC Financial Group
(15) Medical check-up Medical check-up applies one per customer, per year and only for policies with annual or semi-annual payment method. Must be activated by calling 5721 3466 in Mexico City or 01 800 836 8468 from the rest of the country, option 2-2.
(16) The discount applies to the total premium.
(17) Applies for policies with annual or semi-annual payment frequency. The client must call to report purchases to the Advance Line, option 5-5. We recommend calling 3 days before your cut-off date.

Becahorro Education Fund(18)

With the Becahorro Education Fund, you will be able to save for your children's education or for any other goal, while under the protection of a Life Insurance policy, so you can enjoy every moment.

Benefits

  • Protection of your savings during a period that can range between 3 and 20 years
  • Savings plans from $50,000 M.N. up to $3,000,000 M.N. or their dollar equivalent
  • Coverage in the event of death, accidental death (double payment), organ losses due to accident, permanent (optional) or total disability and survival
  • Different payment methods: monthly, quarterly, semi-annual or annual
  • 50% advance of the insured sum in the event of terminal illness(19)

Benefits for HSBC Advance customers

10% discount on all coverages except survival.

When you buy a policy with a monthly net premium of $4,000 M.N. or more, you save $298 M.N. in HSBC Advance membership fees.

(18) Apply general conditions according the Becahorro Education Fund. The general conditions of the Endowment Insurance, registered by HSBC Seguros S.A. de C.V. , Grupo Financiero HSBC **The membership will be free for the customer as long as the Endowment Insurance policy remains in effect.
(19) The advance applies to the basic insured sum. The support applies to any terminal illness with a life expectancy of 12 months. The general conditions of the policy to be engaged, registered by HSBC Seguros S.A. de C.V. , Grupo Financiero HSBC

Car Insurance(20)

Get the protection you need with the different coverages and packages HSBC Advance

We offer different packages to fit your needs. As an HSBC Advance customer you will have access to the Advance Package, which offers:

  • Up to $50,000 M.N. for insured drivers in the event of an accident
  • Total replacement for car theft
  • Return of premiums and elimination of deductibles (premium paid up to the day of the accident)

(20) Car Insurance: The general conditions of the insurance registered and operated by AXA Seguros S.A. de C.V. apply

Hospitalization Support(21)

When you or someone in your family is in the hospital, you need financial support you can count on.

HSBC Advance offers you support for each day that you or your beneficiaries spend in the hospital, providing cash to cover expenses or incidentals, so that you only have to worry about you and your family's well-being.

Benefits:

Insured sums of up to $3,000 M.N. per day during hospitalization. In the event intensive therapy is required the payment will be double.

Coverage in the event of:

  • Scheduled surgeries
  • Maternity

Hospitalization Support Insurance provides the following benefits:

  • A daily income in the event of hospitalization due to illness or accident until you are discharged (maximum of 365 days)
  • In the event intensive therapy is required, you will receive double the daily income
  • Your spouse and children can also be insured under the same policy
  • Assistance requesting medical references, home visits and ambulance in case of emergency

As an HSBC Advance customer you will receive a 10% discount off insurance premiums

(21) Hospitalization Support Insurance The general conditions of the policy to be engaged, registered by HSBC Seguros S.A. de C.V. , apply HSBC Financial Group