HSBC Premier Credit Card
Points
HSBC Premier Credit Card
HSBC UK - Mastercard - Credit card
4.6
4.6 out of 5
9.2/10
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Head-to-head
HSBC Premier Credit Card vs Starling Personal Account Debit Card
Compare HSBC Premier Credit Card 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
Apply now
Compared side by side
Cells with a check mark are the stronger value in that row. Ties stay unmarked.
| Feature | HSBC Premier Credit Card | Starling Personal Account Debit Card |
|---|---|---|
| Card fee | No fee | No fee |
| Purchase APR (from) | 29.9% | - |
| Interest-free period | - | - |
| Foreign transaction fee | 2.99% | 0% |
| 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. | 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 Credit Card 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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