2026 汇丰二季度福利全攻略｜Pulse 新户礼暴涨至 1800 元，一地卓越解锁全球权益- 大数跨境

2026 汇丰二季度福利全攻略｜Pulse 新户礼暴涨至 1800 元，一地卓越解锁全球权益

佩叶斯登

2026-04-25

128

导读：汇丰二季度福利全攻略｜Pulse 新户礼暴涨至 1800 元，一地卓越解锁全球权益

HSBC Q2 2026 Benefits Full Guide | Pulse New Customer Bonus Surges to RMB 1,800, Unlock Global Benefits with One Premier Account

2026 汇丰二季度福利全攻略｜Pulse 新户礼暴涨至 1800 元，一地卓越解锁全球权益

HSBC has rolled out a wave of generous benefits recently. Last week, its Singapore branch launched a blockbuster offer giving 320,000 points to existing customers who open a new account (no lawyer witness fee, no asset requirement). This week, HSBC Hong Kong has further sweetened the deal: for a limited 7-day period from April 23 to April 30, 2026, the new customer bonus for the HSBC Hong Kong Pulse UnionPay Dual Currency Diamond Credit Card has skyrocketed from the regular RMB 800 to RMB 1,800. When combined with basic benefits, the annual cashback is expected to exceed RMB 10,000, making it the undisputed top Hong Kong credit card for Q2.汇丰近期福利火力全开，上周新加坡分行刚推出老户新开账户即送 32 万积分的重磅活动（无需律师见证费、无需资产要求），本周香港分行再度加码：4 月 23 日 - 4 月 30 日限时 7 天，汇丰香港 Pulse 银联双币钻石信用卡新户礼直接从常规 800 元飙升至 1800 元，叠加基础权益后全年返现有望破万，堪称二季度港卡神卡天花板。

I. Limited 7 Days! Pulse Credit Card Flash Welcome Offer

一、限时 7 天！Pulse 信用卡快闪迎新活动

Core Activity Rules

活动核心规则

• Activity Period: April 23 - April 30, 2026 (only 7 days, regular rewards will resume after the deadline)

• 活动时间：2026 年 4 月 23 日 - 4 月 30 日（仅 7 天，逾期恢复常规奖励）

• Application Path: HSBC Hong Kong App "Reward+" → Offers Zone → Scroll down to find "Online Limited Time Welcome Reward"

• 申请路径：汇丰香港 App「Reward+」→ 礼遇专区 → 下拉找到「网上限时迎新奖赏」

• Required Promo Code: HSBCFLASH (no extra rewards will be awarded if not filled in)

• 必填优惠码：HSBCFLASH（未填写无法享受额外奖励）

• Eligibility Requirement: Accumulate spending of RMB 8,000 (HKD/RMB calculated at 1:1) within 60 days after card approval, including at least 1 QR code transaction (UnionPay QuickPass, Apple Pay are all acceptable)

• 达标要求：批卡后 60 天内累计消费满 8000 元（港币 / 人民币 1:1 计算），且包含至少 1 笔二维码交易（云闪付、Apple Pay 均可）

Reward Details

奖励明细This activity, when combined with the basic welcome offer, delivers the highest reward level in history:本次活动叠加基础迎新后，奖励力度创历史新高：

• Brand new credit card customers: Can receive online limited time extra RMB 1,000 RewardCash + basic RMB 800 RewardCash + RMB 200 RewardCash for cash installment, totaling up to RMB 2,000 RewardCash

• 全新信用卡客户：可获得网上限时额外 1000 元奖赏钱 + 基础 800 元奖赏钱 + 现金套现分期 200 元奖赏钱，合计最高 2000 元奖赏钱

• Existing credit card customers: Can receive online limited time extra RMB 500 RewardCash + basic RMB 200 RewardCash, totaling up to RMB 700 RewardCash

• 现有信用卡客户：可获得网上限时额外 500 元奖赏钱 + 基础 200 元奖赏钱，合计最高 700 元奖赏钱

⚠️ Urgent Reminder: This activity has an extremely short duration, and witness account opening will most likely be too late. It is most suitable for Greater Bay Area users: Sign up on Friday, open HSBC China Premier on Saturday, and go to Hong Kong in person on weekdays next week to upgrade to Hong Kong Premier and apply for Pulse. Users who already have a Hong Kong One account can directly call 400 customer service to match and upgrade to Hong Kong Premier after depositing RMB 500,000 into their China Premier account, and apply for the credit card simultaneously.⚠️ 紧急提醒：本次活动时间极短，见证开户大概率来不及，最适合大湾区用户：周五报名，周六开汇丰中国卓越，下周工作日亲赴香港升级香港卓越并申请 Pulse；已有香港 One 账户的用户，内地卓越入金 50 万后可直接致电 400 客服匹配升级香港卓越，同步申请信用卡。

II. Step 1: HSBC China Premier Account, Unlock Global Benefits

二、第一步：汇丰中国卓越账户，解锁全球权益

HSBC's core advantage is "One Premier, Global Premier". Opening a mainland Premier account first is the foundation to claim all the benefits.汇丰的核心优势是「一地卓越，全球卓越」，先开通内地卓越账户是薅满所有羊毛的基础。

New Customer Exclusive Benefits

新户专属福利

• Choose between miles or points: Sign up 1 day in advance, and after depositing RMB 500,000 to meet the requirement, you can choose either 26,000 China Southern Airlines miles (personal use value approximately RMB 1,690, China Southern miles are extremely scarce) or 33,000 Hainan Airlines miles

• 里程 / 积分二选一：提前 1 天报名，入金 50 万达标后可选择 2.6 万南航里程（自用价值约 1690 元，南航里程稀缺性极高）或 3.3 万海航里程

• Singapore account stacking benefit: After opening a China Premier account, you can open a Singapore HSBC account for free (no lawyer witness fee). Existing customers who open a new account can also get 320,000 HSBC points, which can be redeemed for airline miles, hotel stays, etc.

• 新加坡账户叠加礼：内地卓越开户后，可免费开通新加坡汇丰账户（无需律师见证费），老户新开也可获得 32 万汇丰积分，积分可兑换航空里程、酒店住宿等

Core Benefits of Premier Account

卓越账户核心权益With only RMB 500,000 in assets in mainland China (can purchase domestic wealth management products, mainly Ping An series products), you can enjoy:内地卓越仅需 50 万人民币资产（可购买境内理财，主要代销平安系产品），即可享受：

1. Global VIP treatment: VIP service at HSBC branches in over 60 countries and regions, priority processing for overseas account opening and transactions

2. 全球 VIP 待遇：覆盖 60 + 国家和地区的汇丰网点 VIP 服务，海外开户、办事优先办理

3. Global free transfers: Instant free transfers between global HSBC accounts under the same name, no handling fees, no amount limits

4. 环球免费转账：全球同名汇丰账户之间即时免费划转，无手续费、无额度限制

5. Multi-currency asset allocation: Provides more than ten foreign currency wealth management solutions including USD, HKD, AUD, etc., with returns generally higher than similar domestic products

6. 多币种资产配置：提供美元、港币、澳币等十多种外币理财方案，收益普遍高于内地同类产品

7. Exclusive financial benefits: Foreign currency exchange discounts, high-interest time deposits, QDII subscription fee waivers, free cash-to-remittance conversion, free overseas study remittances, etc.

8. 专属金融优惠：外币换汇折扣、高息定存、代客境外理财申购费减免、免费钞转汇、留学汇款免费等

9. Family sharing benefits: Spouses and children can share Premier banking services, and teenagers aged 14-18 can open exclusive overseas study accounts

10. 家庭共享权益：配偶、子女可共享卓越理财服务，14-18 岁青少年可开通专属留学账户

11. Global emergency support: Up to USD 2,000 emergency cash advance if bank card is lost overseas, free card replacement

12. 全球应急支持：海外丢失银行卡可预借最高 2000 美元应急现金，免费补办新卡

✅ Available nationwide. Customers in cities without branches need to go to branches in 27 cities including Beijing, Shanghai, Guangzhou, Shenzhen to complete account opening.✅ 全国可办，无网点城市需前往北京、上海、广州、深圳等 27 个城市的网点完成开户。

III. HSBC China Credit Card: Annual Fee Waived for Premier Customers, Full UnionPay Diamond Benefits

三、汇丰中国信用卡：卓越客户免年费，银联钻石权益拉满

Mainland Premier customers can directly apply for the HSBC China UnionPay Diamond + Mastercard World Elite dual-brand card. The annual fee of RMB 3,600 is waived for Premier customers who meet the asset requirement, and 1 supplementary card can be issued for free.内地卓越客户可直接申请汇丰中国银联钻石 + 万事达世界之极双标卡，卓越达标免 3600 元年费，还可免费办理 1 张附属卡。

Core Benefits

核心权益

1. Unlimited airport/high-speed rail lounge access:

￮ HSBC own benefits: 8 overseas DragonPass lounge visits per year, can bring 1 guest

￮ UnionPay Diamond benefits: 4 airport lounge visits for 3 people + 8 airport lounge visits for 1 person + 4 high-speed rail lounge visits for 3 people + 8 high-speed rail lounge visits for 1 person per year

￮ Up to 6 people can travel together when combining primary and supplementary cards, fully meeting family travel needs1. 机场 / 高铁贵宾厅自由：￮汇丰自带：每年 8 次境外龙腾贵宾厅，可携带 1 人￮银联钻石权益：每年 4 次 3 人、8 次 1 人机场贵宾厅 + 4 次 3 人、8 次 1 人高铁贵宾厅￮主附卡叠加后最多 6 人同行，完全满足家庭出行需求

2. Chauffeur service:

￮ 6 intra-city limousine rides per year (3 shared by supplementary card), upgraded to 80km mileage, 7-seater vehicles available

￮ 2 cross-border limousine rides between Guangdong-Hong Kong-Macao / overseas airport transfers per year (second ride requires offline spending of USD 8,000 on the USD card in the previous year)2. 接送机服务：￮境内同城礼宾车 6 次 / 年（附属卡共享 3 次），升级至 80km 里程，七座车可用￮粤港澳跨境礼宾车 / 境外接送机 2 次 / 年（第二次需前一年美元卡线下消费满 8000 美元）

3. Travel protection: Airline delay insurance pays RMB 500 for 3 hours delay, plus RMB 200 for each additional hour3. 出行保障：航空延误险 3 小时赔 500 元，每超 1 小时加赔 200 元

4. Mileage accumulation: 12:1 redemption for major airlines including Cathay Pacific Asia Miles, British Airways, Air China, etc.4. 里程累积：12:1 兑换亚万、英航、国航等主流航司里程

5. Other benefits: Participate in Mastercard Great Challenge activities, enjoy exclusive hotel, shopping and dining discounts for UnionPay Diamond cardholders5. 其他权益：参与万事达大挑战活动，享受银联钻石专属酒店、购物、餐饮优惠

IV. HSBC Hong Kong Pulse Credit Card: The God Card with Over RMB 10,000 Annual Cashback

四、汇丰香港 Pulse 信用卡：全年返现破万的神卡

After opening a Hong Kong Premier account (meeting the asset requirement of HKD 100,000 equivalent), you can apply for the Pulse UnionPay Dual Currency Diamond Credit Card, which supports direct RMB billing and repayment with no exchange rate loss throughout the process.开通香港卓越账户（资产达标 10 万港币等值）后，即可申请 Pulse 银联双币钻石信用卡，支持人民币直接入账、还款，全程无汇率损耗。

2026 H1 Cashback Activities (Requires registration in Reward+ App)

2026 上半年返现活动（需在 Reward+ App 报名）

1. Most Popular Self-Selected Reward: Select "Reward World" for mainland spending, extra 5x points (2% cashback), up to RMB 100,000 spending limit, maximum RMB 2,000 RewardCash, total 2.4% when combined with basic 0.4%1. 最红自主奖赏：内地消费选「赏世界」，额外 5 倍积分（2% 返现），10 万额度上限，最高 2000 元奖赏钱，叠加基础 0.4% 后合计 2.4%

2. Mainland dining exclusive: 5% cashback on monthly dining spending, monthly cap RMB 100, total RMB 600 in H12. 内地餐饮专属：每月餐饮消费返现 5%，每月上限 100 元，上半年合计 600 元

3. Pulse Special Reward: Extra 5x points (2% cashback) for UnionPay QuickPass merchant-presented code / Apple Pay payments, up to RMB 80,000 spending limit, maximum RMB 1,600 RewardCash3. Pulse 特别奖赏：云闪付被扫 / Apple Pay 支付额外 5 倍积分（2% 返现），8 万额度上限，最高 1600 元奖赏钱

4. Basic new customer bonus: RMB 800 cashback for spending RMB 8,000 within 60 days after card approval4. 基础新户礼：批卡 60 天内消费 8000 元返 800 元

5. Limited flash bonus: Extra RMB 1,000 for this activity (only available for applications from April 23 to April 30)5. 限时快闪礼：本次活动额外 1000 元（仅 4.23-4.30 申请可享）

✅ Maximum H1 cashback: 2000+600+1600+800+1000=RMB 6,000; If activities such as Travel Guru are renewed in H2, annual cashback will easily exceed RMB 10,000.✅ 上半年最高返现：2000+600+1600+800+1000=6000 元；若下半年 Travel Guru 等活动续期，全年返现轻松突破 1 万元。

Card Usage Tips

用卡技巧

• Prioritize using UnionPay QuickPass merchant-presented code, customer-presented code or Apple Pay payments. Jumping to Apple Pay on platforms such as Meituan and JD.com can also enjoy full cashback

• 优先使用云闪付被扫、主扫或 Apple Pay 支付，美团、京东等平台跳转 Apple Pay 也可享受全额返现

• Remit money to your Hong Kong account directly using Cross-Border Payment Connect, which is instant, 0 handling fee, 0 exchange rate loss, making repayment more convenient

• 直接用人民币跨境支付通汇款至香港账户，秒到账、0 手续费、0 汇率损耗，还款更方便

V. Must-See Pitfall Avoidance Guide, Save 90% of Detours

五、必看避坑指南，少走 90% 的弯路

Core Notes

核心注意事项

1. All new customer bonuses require registration 1 day in advance. No rewards will be awarded without registration1. 所有新户礼必须提前 1 天报名，未报名无法获得奖励

2. After depositing RMB 500,000 into your China Premier account, it is recommended to wait 3 months for AUM to stabilize before applying for a credit card for higher approval rate2. 内地卓越入金 50 万后，建议等待 3 个月 AUM 稳定后再申请信用卡，批卡率更高

3. You can maintain Premier status with 0 capital occupation through the "custodian transfer method": Purchase funds at 0 fee on WeBank, then transfer custody to HSBC, all operations are online3. 可通过「转托管大法」0 资金占用维持卓越等级：在微众银行 0 费率申购基金，再转托管至汇丰，全程线上操作

4. Before using Cross-Border Payment Connect, you need to open a RMB sub-account in your Hong Kong account and deposit a small amount of RMB4. 使用跨境支付通前，需先在香港账户开通人民币子账户并存入少量人民币

Absolute Red Lines Not to Cross

绝对不能碰的红线

1. Do not apply for HSBC Hong Kong Premier Credit Card first, as it will affect Pulse card approval and new customer bonus eligibility1. 不要先申请汇丰香港卓越信用卡，会影响 Pulse 下卡及新户礼资格

2. Hong Kong accounts are strictly prohibited from receiving multiple non-same-name transfers, otherwise risk control may be triggered leading to account closure, and account closure in one region will be linked globally2. 香港账户严禁接收多笔非同名转账，否则可能触发风控导致关户，且一地关户全球关联

3. Do not pay by jumping to UnionPay QuickPass, as it will most likely not qualify for the 2% cashback from Pulse Special Reward3. 不要用跳转云闪付的方式付款，大概率无法获得 Pulse 特别奖赏的 2% 返现

VI. Exclusive Group Application Benefits

六、专属团办福利

By applying for HSBC China Premier account through exclusive channels, you can enjoy:通过专属渠道办理汇丰中国卓越账户，可享受：

1. Full one-on-one guidance, following up the entire process from account opening registration, deposit to credit card application and Hong Kong account upgrade1. 全程一对一指导，从开户报名、入金到信用卡申请、香港账户升级全程跟进

2. After depositing RMB 500,000 and meeting the requirement for 3 months, an extra RMB 100 JD.com gift card will be given (not conflicting with HSBC official rewards)2. 入金 50 万达标 3 个月后，额外赠送 100 元京东卡（与汇丰官方奖励不冲突）

3. Join the exclusive HSBC communication group, where you can freely transfer unused benefits, exchange card usage tips, and get the latest activity information3. 加入汇丰专属交流群，可自由转让闲置权益、交流用卡技巧、获取最新活动资讯

4. Free exclusive guides on maintaining Premier status through custodian transfer, Hong Kong account maintenance, and optimal cross-border remittance paths4. 免费提供转托管维持卓越等级、港卡账户保养、跨境汇款最优路径等独家攻略

Group Application Steps

团办步骤：

1. Inform your city and new customer bonus preference (China Southern miles / Hainan Airlines miles)1. 告知所在城市及新户礼偏好（南航里程 / 海航里程）

2. Complete new customer bonus registration 1 day in advance and make an appointment at the nearest branch for account opening2. 提前 1 天完成新户礼报名，预约就近网点开户

3. Deposit RMB 500,000 within 1-3 months after account opening, and apply for mainland credit card and Hong Kong, Singapore accounts simultaneously3. 开户后 1-3 个月内入金 50 万，同步申请内地信用卡及香港、新加坡账户

HSBC's Q2 2026 benefits are unprecedented, especially the limited flash offer for the Pulse credit card. If you miss it, you will have to wait at least another half year. If you have RMB 500,000 in assets available for long-term allocation, it is highly recommended to take this opportunity to build a HSBC global account system, laying the foundation for future global asset allocation, Hong Kong and US stock investment, and overseas travel.本次汇丰二季度福利力度空前，尤其是 Pulse 信用卡的限时快闪活动，错过至少再等半年。如果有 50 万可长期配置的资产，非常适合借此机会搭建汇丰全球账户体系，为后续全球资产配置、港美股投资、海外出行打下基础。

欢迎加博主绿泡泡：绿泡泡：NBWcat，参加汇丰中国卓越账户的团办活动拿满新户礼，进而可以指导汇丰中国信用卡、汇丰香港pulse信用卡的攻略，也欢迎进群交流更多用卡攻略：