HSBC Premier World Elite Mastercard
Points
HSBC Premier World Elite Mastercard
HSBC UK - Mastercard - Credit card
4.5
4.5 out of 5
9.0/10
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Head-to-head
HSBC Premier World Elite Mastercard vs Starling Personal Account Debit Card
Compare HSBC Premier World Elite Mastercard and Starling Personal Account Debit Card side by side: fees, rewards, APR, and perks.
Last verified
Starling Personal Account Debit Card
No rewards
Starling Personal Account Debit Card
Starling Bank - Mastercard - Debit card
4.3
4.3 out of 5
8.6/10
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Compared side by side
Cells with a check mark are the stronger value in that row. Ties stay unmarked.
| Feature | HSBC Premier World Elite Mastercard | Starling Personal Account Debit Card |
|---|---|---|
| Card fee | £290 GBP/yr (≈ $360) | No fee |
| Purchase APR (from) | 29.9% | - |
| Interest-free period | - | - |
| Foreign transaction fee | 2.99% | 0% |
| 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. | No cashback or points programme. No interest currently paid on current account balance (removed February 2025). The Tail app integration provides selective merchant cashback but is a third-party add-on, not a native Starling reward. |
| Installments | - | - |
| No card fee | - | |
| No foreign transaction fee | - | |
| Welcome bonus | - | |
| Airport lounge access | - | |
| Travel insurance | - | |
| Apple Pay / Google Pay |
Which is right for you
Pick by how you spend
- Choose the HSBC Premier World Elite Mastercard if its checked rows above line up with how you spend most.
- Choose the Starling Personal Account Debit Card if it wins on the features that matter most to you.
- Still unsure? Read each full review below, then apply on the issuer's secure site.
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