Originally Posted by
garykung
Look at this way - they are practically free for you, as the card does not have an AF when you are a HSBC Premier USA customer.
I would say it is a better-than-you-think improvement, when you compare this with Chase or Citi.
I get that and, granted, any improvement is good. It's just that none of these will really benefit me much. But I'm happy for those that it does benefit.
I am glad that the two main reasons I got the card (no FTF and contactless feature) remain.