HSBC Premier Credit Card
Points
HSBC Premier Credit Card
HSBC UK - Mastercard - Credit card
4.6
4.6 out of 5
9.2/10
Apply now
Head-to-head
HSBC Premier Credit Card vs Virgin Atlantic Reward+ Credit Card
Compare HSBC Premier Credit Card and Virgin Atlantic Reward+ Credit Card side by side: fees, rewards, APR, and perks.
Last verified
Virgin Atlantic Reward+ Credit Card
Points
Virgin Atlantic Reward+ Credit Card
Virgin Money - Mastercard - Credit card
4.1
4.1 out of 5
8.2/10
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 | Virgin Atlantic Reward+ Credit Card |
|---|---|---|
| Card fee | No fee | £160 GBP/yr (≈ $200) |
| Purchase APR (from) | 29.9% | 26.9% |
| Interest-free period | - | - |
| Foreign transaction fee | 2.99% | 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. | 1.5 Virgin Points per £1 on everyday purchases; 3 points per £1 with Virgin Atlantic and Virgin Holidays. Annual companion/upgrade voucher triggered at £10,000 spend. Points redeemable via Flying Club or Virgin Red. Earn rate is double the free card. |
| 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 Virgin Atlantic Reward+ Credit 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.
Want a different match-up?
Line up any two cards side by side, or browse the full list to find your next card.