Credit card

HSBC Premier Credit Card

Points

MASTERCARD

Apply for HSBC Premier Credit Card

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Card review

HSBC Premier Credit Card

4.6 9.2/10 DebitCue Score Verified Jun 20, 2026

Travel rewards and Premier privileges — no annual fee

Fee: No fee
Purchase APR: from 29.9%
Interest-free: -
Foreign fee: 2.99%

Rewards

Earn 1.5 HSBC points per £1 on sterling purchases and 2 points per £1 on foreign-currency purchases. Points can be transferred to airline miles (Avios, Emirates, Etihad, Flying Blue, Qantas, Singapore Airlines, Qatar, Air India, Asia Miles), hotel programmes (IHG One Rewards, Wyndham) or redeemed for shopping vouchers (M&S, Amazon). Points value approximately 0.33p–1p depending on redemption.

Welcome offer

30,000 HSBC reward points (equivalent to 15,000 Avios) when spending £2,000 in first 90 days

Our verdict

What stands out, and where it falls short.

What we like

Earn 1.5 HSBC points per £1 on sterling purchases…
Welcome bonus
No card fee
Airport lounge access
Travel insurance included

Worth weighing

2.99% foreign transaction fee
High interest if you carry a balance

Who It Is For

Whether the HSBC Premier Credit Card fits how you actually spend.

Pick it if you are

Anyone who wants a low-cost everyday card
Frequent travelers
People who want rewards on their spending
Travelers who value airport lounges

Skip it if you are

Frequent international travelers

Rates and fees

As of June 20, 2026

All amounts shown in GBP.

Card fee: No fee
Purchase APR: from 29.9%
Interest-free period: -
Foreign transaction fee: 2.99%
Representative APR: 29.9% variable
Non-sterling transaction fee: 2.99%

Rewards and features

Rewards: Earn 1.5 HSBC points per £1 on sterling purchases and 2 points per £1 on foreign-currency purchases. Points can be transferred to airline miles (Avios, Emirates, Etihad, Flying Blue, Qantas, Singapore Airlines, Qatar, Air India, Asia Miles), hotel programmes (IHG One Rewards, Wyndham) or redeemed for shopping vouchers (M&S, Amazon). Points value approximately 0.33p–1p depending on redemption.
Welcome offer: 30,000 HSBC reward points (equivalent to 15,000 Avios) when spending £2,000 in first 90 days
Pay with: Apple Pay, Google Pay, Contactless
Points earn rate: 1.5 pts/£1 Sterling; 2 pts/£1 foreign currency
Transfer partners: Avios, Emirates Skywards, Etihad Guest, Flying Blue, Qantas, Singapore Airlines KrisFlyer, Qatar Privilege Club, Air India, Asia Miles, IHG One Rewards, Wyndham Rewards

Benefits and perks

Extras that come bundled with the card.

Priority Pass lounge access at 1,700+ airports (£24 per person per visit)
HSBC Premier travel insurance (included with Premier account)
Section 75 Consumer Credit Act protection (£100–£30,000)

Eligibility

What you need before you apply.

Account requirement: Must hold an HSBC Premier Bank Account

HSBC Premier Credit Card: your questions answered

Does the HSBC Premier Credit Card have a card fee?

No - the HSBC Premier Credit Card has no card fee.

What rewards does the HSBC Premier Credit Card earn?

The HSBC Premier Credit Card earns Earn 1.5 HSBC points per £1 on sterling purchases and 2 points per £1 on foreign-currency purchases. Points can be transferred to airline miles (Avios, Emirates, Etihad, Flying Blue, Qantas, Singapore Airlines, Qatar, Air India, Asia Miles), hotel programmes (IHG One Rewards, Wyndham) or redeemed for shopping vouchers (M&S, Amazon). Points value approximately 0.33p–1p depending on redemption..

Does the HSBC Premier Credit Card charge foreign transaction fees?

Yes - the HSBC Premier Credit Card charges a 2.99% foreign transaction fee.

What is the interest rate on the HSBC Premier Credit Card?

The HSBC Premier Credit Card has a purchase APR of from 29.9%.

Does the HSBC Premier Credit Card have a welcome offer?

Yes - 30,000 HSBC reward points (equivalent to 15,000 Avios) when spending £2,000 in first 90 days.

Is the HSBC Premier Credit Card a credit, debit or prepaid card?

The HSBC Premier Credit Card is a credit card issued by HSBC UK on the Mastercard network.

Does the HSBC Premier Credit Card support Apple Pay and Google Pay?

Yes - the HSBC Premier Credit Card works with both Apple Pay and Google Pay.

Where can I get the HSBC Premier Credit Card?

The HSBC Premier Credit Card is currently offered in United Kingdom.