Credit card

HSBC Premier World Elite Mastercard

Points

MASTERCARD

Apply for HSBC Premier World Elite Mastercard

On HSBC UK's secure site

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Credit card HSBC UK Mastercard

Card review

HSBC Premier World Elite Mastercard

4.5 9.0/10 DebitCue Score Verified Jun 20, 2026

The ultimate travel Mastercard for HSBC Premier customers

Fee: £290 GBP/yr (≈ $360)
Purchase APR: from 29.9%
Interest-free: -
Foreign fee: 2.99%

Rewards

Earn 3 HSBC points per £1 on sterling purchases and 4 points per £1 on foreign-currency purchases. Points transfer to 11 airline and hotel programmes including Avios (2:1 ratio), Emirates, Etihad, Flying Blue, Qantas, Singapore Airlines, Qatar, Air India, Asia Miles, IHG One Rewards, and Wyndham Rewards. 40,000 anniversary points bonus (worth 20,000 Avios) upon hitting £12,000 annual spend.

Welcome offer

40,000 HSBC reward points (equivalent to 20,000 Avios) when spending £2,000 in first 90 days

Our verdict

What stands out, and where it falls short.

What we like

Earn 3 HSBC points per £1 on sterling purchases…
Welcome bonus
Airport lounge access
Travel insurance included

Worth weighing

£290 GBP/yr (≈ $360) card fee
2.99% foreign transaction fee
High interest if you carry a balance

Who It Is For

Whether the HSBC Premier World Elite Mastercard fits how you actually spend.

Pick it if you are

Frequent travelers
People who want rewards on their spending
Travelers who value airport lounges

Skip it if you are

Light spenders who won't beat the £290 GBP/yr (≈ $360) fee
Frequent international travelers

Rates and fees

As of June 20, 2026

All amounts shown in GBP.

Card fee: £290 GBP/yr (≈ $360)
Purchase APR: from 29.9%
Interest-free period: -
Foreign transaction fee: 2.99%
Annual fee: £290
Representative APR: 100.2% variable (includes annual fee); 29.9% purchase rate
Non-sterling transaction fee: 2.99%

Rewards and features

Rewards: Earn 3 HSBC points per £1 on sterling purchases and 4 points per £1 on foreign-currency purchases. Points transfer to 11 airline and hotel programmes including Avios (2:1 ratio), Emirates, Etihad, Flying Blue, Qantas, Singapore Airlines, Qatar, Air India, Asia Miles, IHG One Rewards, and Wyndham Rewards. 40,000 anniversary points bonus (worth 20,000 Avios) upon hitting £12,000 annual spend.
Welcome offer: 40,000 HSBC reward points (equivalent to 20,000 Avios) when spending £2,000 in first 90 days
Pay with: Apple Pay, Google Pay, Contactless
Points earn rate: 3 pts/£1 Sterling; 4 pts/£1 foreign currency
Airport fast-track security: Mastercard Travel Experiences fast-track at 179 airports worldwide

Benefits and perks

Extras that come bundled with the card.

Unlimited complimentary Priority Pass lounge access at 1,700+ airports worldwide
HSBC Premier travel insurance (included with Premier current account)
Mastercard Priceless — exclusive events, experiences and travel discounts
Section 75 Consumer Credit Act protection (£100–£30,000)

Eligibility

What you need before you apply.

Account requirement: Must hold an HSBC Premier or HSBC Private Banking current account

HSBC Premier World Elite Mastercard: your questions answered

How much does the HSBC Premier World Elite Mastercard cost?

The HSBC Premier World Elite Mastercard costs £290 GBP/yr (≈ $360).

What rewards does the HSBC Premier World Elite Mastercard earn?

The HSBC Premier World Elite Mastercard earns Earn 3 HSBC points per £1 on sterling purchases and 4 points per £1 on foreign-currency purchases. Points transfer to 11 airline and hotel programmes including Avios (2:1 ratio), Emirates, Etihad, Flying Blue, Qantas, Singapore Airlines, Qatar, Air India, Asia Miles, IHG One Rewards, and Wyndham Rewards. 40,000 anniversary points bonus (worth 20,000 Avios) upon hitting £12,000 annual spend..

Does the HSBC Premier World Elite Mastercard charge foreign transaction fees?

Yes - the HSBC Premier World Elite Mastercard charges a 2.99% foreign transaction fee.

What is the interest rate on the HSBC Premier World Elite Mastercard?

The HSBC Premier World Elite Mastercard has a purchase APR of from 29.9%.

Does the HSBC Premier World Elite Mastercard have a welcome offer?

Yes - 40,000 HSBC reward points (equivalent to 20,000 Avios) when spending £2,000 in first 90 days.

Is the HSBC Premier World Elite Mastercard a credit, debit or prepaid card?

The HSBC Premier World Elite Mastercard is a credit card issued by HSBC UK on the Mastercard network.

Does the HSBC Premier World Elite Mastercard support Apple Pay and Google Pay?

Yes - the HSBC Premier World Elite Mastercard works with both Apple Pay and Google Pay.

Where can I get the HSBC Premier World Elite Mastercard?

The HSBC Premier World Elite Mastercard is currently offered in United Kingdom.

How does DebitCue rate the HSBC Premier World Elite Mastercard?

DebitCue rates the HSBC Premier World Elite Mastercard 4.5 out of 5 (9.0/10), scored on the same factors as every card - fees, rewards, perks and ease of use.

How do I apply for the HSBC Premier World Elite Mastercard?

Use the Apply now button to continue on HSBC UK's secure site. Comparing and applying through DebitCue is free.