Originally Posted by somewhat traveling actuary

Gotta say HSBC has the worst credit card system in the world. They offer different credit cards, but each of those credit cards have different redemption rates so watch up. Meaning it may look great on face value, but the points earned based on the card you have, will be adjusted when you go and transfer to airline partners. Terrible scam, and that's from someone who has mortgages in both US and Canada from them.