HSBC Premier Credit Card

 

Understanding how and why we use cookies

We use cookies to give you the best possible experience on our website. Cookies allow you to do many things such as log on to Internet Banking, have us 'remember' your log-in preferences, apply for products and services online and use financial tools like our ‘find and compare’ mortgage calculators.

When you visit this site, we ask for your consent to use cookies. However, this Cookie Policy allows you to amend your preference for tailored content cookies. Your preference will be displayed at the footer of each page and will apply to hsbc.co.uk and all sub-domain websites eg mortgages.hsbc.co.uk (with the exception of business.hsbc.co.uk, where you can amend preferences from early 2013).

To find out more about how we use cookies and what benefits they bring, please take a few moments to read this Cookie Policy.



Frequently asked questions

Do cookies mean I could get cold calls or junk mail?

We never use the data gathered through cookies to contact you via post, email or phone. We may use cookies to show you subtly tailored content on our website or other websites of things we think you might be interested in, but only in relation to HSBC products and services. You will never see advertising on our website from anyone other than HSBC group companies and our agents.

Can cookies pass on my personal information to others?

The only time we may use cookies to share personal information such as your name, address, telephone or email is when you have given us express consent to do so by applying for a product or service. For example, if you were applying for a home insurance policy, we'd inform you that we'd be passing your details to our trusted home insurance policy provider.

Do cookies compromise my security when I'm logged on to Internet Banking?

The cookies we use are completely safe. In fact, many of them are used purely to provide important security features such as protecting your data and your accounts.

Click here to see other frequently asked questions

What are cookies?

Cookies are small text files that are sent to and stored on your computer, smartphone or other device for accessing the internet, whenever you visit a website. Cookies are useful because they allow a website to recognise a user's device.

At HSBC, we use cookies for a variety of reasons, such as to determine preferences, let users navigate between pages efficiently, verify the user and carry out other essential security checks. Some of the functions that cookies perform can also be achieved using similar technologies. This policy refers to ‘cookies’ throughout, however it also covers these alternate mechanisms.

More information about cookies can be found on allaboutcookies.org.

How cookies make our website safer and easier to use

We use cookies to safeguard your privacy when you're browsing our website. We also use them to let you find and compare mortgages and use secure online application forms. If you leave a secure session window open when logged in to Internet Banking, we use cookies to enhance your security by prompting you to end (or automatically ending) your secure session.

Cookies can also allow us to tailor the content of our website to suit your interests. For example, instead of displaying promotional messages about products you already have, they let us show you other services you may be interested in.

Finally, we use ‘analytics’ cookies to help us make our website better for those who visit it regularly. They help us work out what users like and don't like and how we can improve things for you.

When we include links to other websites, please bear in mind they will have their own privacy and cookie policies that will govern the use of any information you submit. We recommend you read their policies as HSBC is not responsible or liable for their privacy practices.

How we work with trusted third parties

Third parties are trusted suppliers to HSBC. They include our insurance policy providers, partners who provide important functionality to our website, such as our live chat service, and partners who help us improve our website, such as Webtrends, who provide statistics about which pages are visited most frequently.

We only use cookies from third parties in order to provide our customers with HSBC products and services. The only time cookies would enable us to share personal information such as your name, address, telephone or email is when you have given us express consent to pass it on to a trusted third party - for example, if you were applying for a home insurance product from one of our third party insurance providers.

You will only ever be shown HSBC-branded advertisements on our website - never those from other companies. Of course, you may see HSBC-branded advertisements when browsing other companies' websites too. Some of these will be general campaign-related adverts but others will be tailored to your likely interests based upon previous web browsing activity - these can be easily identified as they feature a small blue AdChoices icon in the corner of the advert. If you want to opt-out of receiving targeted adverts from HSBC, please read our FAQs.

How we improve our email

We use email analytics and reporting tools to see how many of our emails are opened and which links receive the most clicks. Knowing which articles and topics our customers like and which they don't like helps us improve our content and make our emails more relevant.

We maintain strict security standards and procedures to prevent unauthorised access to information about you. HSBC will never contact you by email or otherwise to ask you to validate personal information such as your user ID, password, or account numbers. If you receive such a request, please call our online security on 0845 600 2290.

If you wish to unsubscribe from marketing emails, please click on the link located in the footer of any marketing email you've received from us.

More about your privacy

To find out more about how HSBC protects your privacy when using our website, see our Website Terms and Privacy Statement.

Frequently asked questions

What has changed, and how does this affect me?

We have always used cookies to give you the best possible experience on our website. As part of a change in legislation, we now also provide detailed information on what cookies are, how we use them and what benefits they bring - as well as asking for your consent to use them.

When you visit this site, we ask for your consent to use cookies. However, this Cookie Policy allows you to amend your preference for tailored content cookies. Your preference will be displayed at the footer of each page and will apply to hsbc.co.uk and all sub-domain websites eg mortgages.hsbc.co.uk (with the exception of business.hsbc.co.uk, which will let you amend preferences from early 2013).

How can I manage my cookie preferences?

To amend your preference for tailored content cookies, please use the ‘Manage your cookie preferences’ tab within this Cookie Policy.

Please note, these preferences apply to hsbc.co.uk and all sub-domain websites mortgages.hsbc.co.uk (with the exception of business.hsbc.co.uk, where you can amend preferences from early 2013).

Do my cookie preferences cover HSBC Business Banking?

When you amend your cookie preferences, they will currently cover hsbc.co.uk and any sub-domain eg mortgages.hsbc.co.uk. From early 2013, they will also cover the HSBC Business Banking website: business.hsbc.co.uk.

Do HSBC cookies contain my personal information?

Our cookies do not store personal information such as your name, address, telephone or email, however our tailored content cookies may monitor how you use our website so that we can deliver you more suitable content. We do use a small number of cookies that store encrypted versions of information where you have asked us to, such as the ‘Remember me’ function that allows us to remember your Internet Banking username for subsequent visits. However, this is encrypted so that only HSBC can read this information.

Do cookies mean I could get cold calls or junk mail?

We never use the data gathered through cookies to contact you via post, email or phone. We may use cookies to show you subtly tailored content on our site or other websites of things we think you might be interested in, but only in relation to HSBC products and services. You will never see advertising on our website from anyone other than HSBC group companies and our agents.

Can cookies pass on my personal information to others?

The only time we may use cookies to share personal information such as your name, address, telephone or email, is when you have given us express consent to do so by applying for a product or service. For example, if you were applying for a home insurance policy, we'd inform you that we'd be passing your details to our trusted home insurance policy provider.

Do cookies compromise my security when I'm logged on to Internet Banking?

The cookies we use are completely safe. In fact, many of them are used purely to provide important security features such as protecting your data and your accounts.

Can cookies allow others access to my computer's hard drive?

The cookies we use cannot look into your computer, smartphone or web-enabled device and obtain information about you or your family or read any material kept on your hard drive.

If I use a public computer, will someone be able to get my details from the cookies?

Our cookies cannot be used by anyone else who has access to the computer to find out anything about you, other than the fact that someone using the computer may have visited a certain website. Our cookies do not in any way compromise the security of Internet Banking.

Why are cookies required to log on to Internet Banking?

To ensure we can provide suitable content to meet our customers' needs, all cookies have to be enabled if you want to access Internet Banking.

Why can't I amend my cookie preferences when I'm logged on to Internet Banking?

All cookies have to be enabled if you want to access Internet Banking. You can amend your preferences after you have logged off if you wish but we will ask for your consent to enable all cookies when you log on again.

Which cookies can I opt-out of?

While browsing our public website, you can choose to opt-out of tailored content cookies. However, when you log on to Internet Banking all cookies will need to be enabled in order to ensure we can provide suitable content to meet your needs.

Can I opt-out of Webtrends?

Yes, you can opt-out of Webtrends by clicking this link and following the instructions.

Can I opt-out of HSBC advertisements I see on other websites?

There are two types of HSBC adverts shown on other companies' websites. The first are general campaign-related adverts that are not targeted based on your browsing behaviour, from which you cannot opt out. The second are targeted adverts which are being shown to you because of your likely interests based upon previous web browsing activity. These can be easily identified as they feature a small blue AdChoices icon in the corner of the advert.

To disable all targeted adverts from HSBC, please visit Your Online Choices where you will be able to opt out of the Microsoft Advertising network. Please note, by opting out of Microsoft Advertising, this will disable targeted adverts for HSBC and any other companies that use this network. For further details, please visit the
Your AdChoices website.

Can I opt-out of all cookies?

If you wish to opt out of all cookies for this website and any other website, you can do this through your browser settings. Your browser's 'help' function will tell you how to do this.

However, please remember that cookies are often used to enable and improve certain functions on our website. If you choose to switch certain cookies off, it is likely to affect how our website works. For example, if your browser is set to disable 'session' cookies, although you will still be able to view our public website, you won't be able to log on to Internet Banking.

More information about how to disable cookies, visit allaboutcookies.org

Can I manage cookies with JavaScript disabled?

JavaScript is required to manage your cookie preferences. If your browser has JavaScript disabled, tailored content cookies will be disabled too. To manage your cookie preferences and experience an optimised version of our website, make sure your browser has JavaScript enabled. Depending on which browser you're using, this function is usually found under 'tools', 'options' or 'preferences'.

Where can I find out more about cookies?

More information about cookies can be found on allaboutcookies.org


The following cookies are used on HSBC

Essential cookies

These cookies are vital to us providing key features of our website, such as the ability to use online tools, log on securely and save your favourite articles.

COOKIE NAME
DESCRIPTION

bcap

cookiesenabled

This checks Netscape browser settings to ensure the functions on our site are compatible.

CAMToken

This helps us recognise whether you are using the new Secure Key during the identification and verification process.

hasChangeBusiness

This ensures you are directed to the correct page when navigating through our Business Internet Banking pages.

mobile_support_type

cmb_mobile_page_type

native-app

device-type

This recognises the device you are using to access the site and directs you to the most appropriate logon page (ie mobile or desktop).

HSSSessionExpiry

cookieName

This makes sure that when a sharedealing session expires, the corresponding exchange rate session also expires.

LB_COOKIE_1

This ensures that traffic to our site is split equally between several different servers to prevent our service from slowing down.

TestingCookieSupport

This cookie is inactive and will soon be removed from the site.

PIBSessionCookieName

This links your actions within Internet Banking to provide the services you request.

piba/pibb

biba

This checks which server your session is linked with.

activationButtonState

This remembers what actions you have taken in Business Internet Banking and 'greys out' any buttons you have already clicked as a reminder.

device-id

This stores the unique ID number of the mobile devices you use to access the site for fraud checking purposes.

PIBCookieName

If you log on to our sharedealing service, this will keep your session active in Personal Internet Banking.

COOKIENAME

If you use our web chat facility, this deletes the required cookie when it's no longer needed.

ARPT

This ensures you remain connected to the same server until your session expires, preventing you from having to log on several times throughout the same session.

LtpaToken2

This advises the server that your access has been verified. Without this cookie, you would have to go through the log on process every time you wanted to use functionality that requires user verification.

com.ibm.portal.SUA_WPReqURL

If your profile needs to be authenticated mid-way through a process (e.g. if you need to be verified by Visa when making a payment), this makes sure you return to the correct page afterwards.

HumanClickKEY

This maintains your session and provides you with the services you ask for by linking the action requests you make.

HumanClickCHATKEY

If you are using the web chat facility, this cookie links you to an available member of our team to answer your query.

ASP.NET_SessionId

HSBC_Pitchbook

myCookie

This stores your security information after you have logged on.

ASP.NET Session / N/A

This assigns a unique ID to your session to connect it to the server and for other internal processes required throughout the course of the session.

fixation

This helps to prevent your session from being hijacked. If a request is made in a session and this cookie is not present, it identifies that the request has come from a hijacked session and the request will be declined.

hyperphonelink

This recognises if you have made multiple call back requests to make sure we only call you once.

ip

AccessManager

when

This helps us monitor call back requests so we can prevent people from adding in someone else's details or making multiple call back requests in one session.

ASPSESSIONIDQCDQASD

HumanClickACTIVE

HumanClickSiteContainerID_52307246

lpCloseInvite

This enables you to use our web chat facility.

JSESSIONID

This checks if anyone else is trying to access your session from a different browser (e.g. potential fraudsters).

LOGIN

PASSWORD

ID

.ASPXAUTH

This ensures all the correct security checks are made when you log on to Internet Banking.

COMPANY_ID

This ensures the correct site content is displayed correctly.

LFR_SESSION_STATE_[Identifier]

This checks the length of your secure session and triggers the expiry countdown if there has been a period of inactivity.

mobile_timeout

This allows you to access Business Internet Banking from a mobile device without a 'session time-out' window appearing.

UKPIBEndKeepAlive

When you close an InvestDirect session, this makes sure your Internet Banking session is no longer kept open.

hsbc_fb_student

hsbc_fb_admin

This authenticates staff members on HSBC student Facebook so they can respond to any messages you leave.

__uiudc

When fraudulent activity is detected (malware), this cookie sends details to us of the last log on for manual checking.

HSBCcarins

HSBCad

This allows you to apply for insurance online.

WTLOPTOUT

This allows you to opt out of Webtrends cookies. To read more about this cookie, please visit www.webtrends.com.

AH

This allows you to open an Invest Direct session while logged on to Internet Banking.

Platform

This is used for dynamic styling within the mobile app.

Return_history

This remembers the previous page to allow to navigate in the mobile app.

Mobile_Segment

This changes the background image displayed on the mobile app depending on what account you hold.

Functionality and performance cookies

These cookies give you extra functionality, such as being able to ask us to remember your preferences. They also let us monitor how our website is performing so we can make regular improvements.

COOKIE NAME
DESCRIPTION

fontSize

This records your preference for displaying the page, such as browser font size etc.

branding

This changes the branding of third party cookies to display them as HSBC cookies so you can easily identify where they have come from.

BHP:Home:News

BHP:Home:Video

This manages the news feed on the Business Banking home page and ensures it refreshes on your next visit.

KCVideo

This ensures the home page video refreshes on your next visit.

COOKIE_SUPPORT

This remembers your browser's settings and if it supports cookies.

REMEMBER_ME

This records your 'remember me' selection on the log on page.

GUEST_LANGUAGE_ID

This records your language of choice.

poll_vote

This remembers if you have voted in the HSBC 100 thoughts poll so you are shown the results when you return to the site.

event_registration_xxx

This records if you have selected a live event within HSBC 100 thoughts

hsbc_fb_competition

hsbc_fb_quiz

fbs_[FACEBOOK_UID]

This helps us integrate your Facebook profile with the site while you are visiting (HSBC student Facebook only).

ak

This detects if you have Rapport software on your device.

rapportDisplayed

rapportCount

This cookie ensures we only show you the Rapport message after 2 weeks, where you have requested this.

noMobile

This stores whether you prefer to see a desktop or a mobile view when accessing the site from a supported mobile device.

HSBCUSERCOOKIE

This remembers your log on name or Internet Banking number.

cam40pref

This saves your last Secure Key instructions for security purposes.

tmib_res_layout

This records your screen resolution ratio to optimise your experience by ensuring the correct resolution is available.

id

_drt_

This tracks the effectiveness of our advertising so we can make improvements. It doesn't record any personal information, just whether or not you click on a certain feature.

document.cookie

This is used by our parent company, the HSBC Group, to analyse the UK banking market.

expand,collapse

This records whether you prefer to see the menu bar expanded or collapsed.

sessionCookieNamePIB

If you log on to our sharedealing service, this ensures you are also automatically logged on to Personal Internet Banking.

state1

state2

state3

This records your page display preferences, such as whether you prefer your accounts displayed or hidden.

HSBCRememberMe

This records if you want us to remember your user name when you log on.

PSC

This records your search activity so when a new search is conducted, different results are displayed.

cookieName

If you log on to Personal Internet Banking, this ensures you are also automatically logged on to our sharedealing service.

HSBC_PFS_COOK_TIM

HSBC_CMB_COOK_TIM

cookie_alert_bar

This allows us to display a banner on our websites informing you we have updated our cookie policy. It also allows us to remove the banner once you have seen it three times.

WT_FPC

ACOOKIE

This Webtrends cookie identifies if you come back to our site, how often, and what your preferences are. No personal information is stored in the cookie and no data is extracted from your computer/device. To read more about this cookie, including the provider's privacy policy, please visit www.webtrends.com.

WTSeg3

This records whether you are a new or existing customer for our third party provider, Webtrends.

__utma

__utmz

__atuvc

This Google cookie identifies if you come back to our site, how often, and what your preferences are. No personal information is stored in the cookie and no data is extracted from your machine. To read more about this cookie, including the provider's privacy policy, please visit www.google.com/analytics.

usrPrefCookie

isUsrPrefRead

advSearchCookie

This enables you to use the search function within Business Internet Banking and records some of the requests you make.

HSBC_COOKIEMI

prem FirstCookie

segType

logOff

rapport_info

These cookies are inactive and will soon be removed from the site.

kickdownCookie

We occasionally feature banner campaigns that take over our home page. This cookie ensures we only show you this banner once per campaign.

oo_event

We occasionally feature feedback surveys on our site. This cookie ensures we won't ask you to participate twice within a 60 day period.

nlid

uuid230

This allows us to track if you come to our website after opening one of our emails.

atgotcode

This enables us to share our content via social media networks.

mmcore

mmid

This cookie allows us to display multiple variants of a page design to help us determine which our users prefer. It doesn't record any personal information.

Tailored content cookies

These cookies allow us to display content relevant to you and your interests, based on the way you have used our website previously.

COOKIE NAME
DESCRIPTION

customerSigment

subSigment

productHeld

interestLevel

This identifies content you might be interested in.

SCM_COUNTER_COOKIE

This monitors and records what you are interested in so we can display appropriate and relevant content based on this information.

tc_returning

This recognises whether you are logging on for the first time or returning. It also records what you are interested in so we can show you relevant content based on this information.

mbox

This recognises whether you are logging on for the first time or returning. It also records what you are interested in so we can show you relevant content based on this information.

LivePersonID

This recognises if you are returning to our site asks if you would like to speak to a member of staff.

MUID

AA002

This Atlas Solutions cookie tracks the effectiveness of our advertising so we can make improvements. It provides no personal information and simply gives us high level reports, such as if you click on a particular banner on a particular day.

mdghsb_

mdghu2_

googleads.g.doubleclick.net

This records when you browse certain product areas on our site so we can show you targeted adverts about those products when you're browsing other companies' sites. For more details, please read our FAQ on opting out of HSBC advertisements.

Please note, disabling tailored content cookies will not currently include these cookies. To disable all targeted HSBC adverts on other companies' websites, please visit Your Online Choices where you will be able to opt out of the Microsoft Advertising network. Please note, by opting out of Microsoft Advertising, this will disable targeted adverts for HSBC and any other companies that use this network. For further details, please visit the AdChoices website.

Disable targeted HSBC adverts on other companies' websites

To disable all targeted HSBC adverts on other companies' websites, please visit Your Online Choices where you will be able to opt out of the Microsoft Advertising network. Please note, by opting out of Microsoft Advertising, this will disable targeted adverts for HSBC and any other companies that use this network.

Your Online Choices