HSBC Premier: current account benefits | HSBC UK

Reward points

Choose your rewards from a wide selection of partners, including a range of retail vouchers or fine wines and champagne. You can even donate them to charity.

Earning points is easy, just use your HSBC Premier Credit Card and you'll earn two points for every £10 of eligible spending. Points will be shown on your monthly statement and are valid for three years.

To apply:
Call 0800 328 1296. Lines are open 24 hours a day.

To redeem online:
Log on to Internet Banking, within the 'My Accounts' section click on 'Premier Card', then click on 'Premier Rewards' in the left hand menu.

To redeem by phone:

Call 08457 70 70 70^† and have your HSBC Premier Credit Card account number to hand.

Textphone 1800 108457 125 563. Lines are open 24 hours. Communications may be monitored and/or recorded.

Discounted travel

Alternatively, use your HSBC Premier Credit Card to book any flight or package holiday independently and redeem any of your existing points for money off your booking.

To receive a discount off your next holiday or flight, contact HSBC Premier Travel Offers on 0844 879 8048 (run in conjunction with Thomas Cook).

To redeem your points after booking with another travel provider, simply call 08457 70 70 70*. Please make sure you have the name of the travel provider to hand, along with the date of the transaction and cost. The minimum number of points that can be redeemed is 1,000 and points must be redeemed within 60 days of booking.

*Textphone 1800 108457 125 563. Lines are open 24 hours. Communications may be monitored.

Worldwide support

Where there are no HSBC branches, we can also arrange an emergency cash advance at 245,000 locations worldwide. If your card is lost or stolen, or likely to be misused, please call us immediately on 08457 70 70 70 in the UK, or +44 1226 260 260 from overseas (textphone 18001 08457 125 563).

Our sophisticated fraud detection systems have been designed to identify overseas transactions made on your card. To help ensure maximum efficiency of your card while abroad, you can register your travel plans by phone or online. This will help further protect you and will mean you're less likely to be asked to verify your identity when making a purchase. To inform us of your travels, call the 24-hour Premier telephone banking service on 08457 70 70 70. (textphone 18001 0800 028 0126).

To ensure that we carry out your instructions accurately, to help us continually improve our service and in the interests of security, we may monitor and/or record your telephone calls with us.

Experience the British Pullman and enjoy 20% off

Travel on-board the British Pullman for a celebration of style and the sophistication of bygone era. Step into a golden age when royalty and the glitterati demanded far more than transport from their trains. As the bubbles rise in your glass of champagne, a gentle social buzz begins. Britain's most ravishing landscapes unfold outside your window as you enjoy the heady delight of the conviviality only the British Pullman can create. Savour a delightful feast for all the senses and relish the elegant setting of your unique carriage. The Golden Age of Travel is a signature journey, featuring fine food and wine on a round-trip through Britain's glorious countryside.

To take advantage of this offer and to see which excursions the 20% off applies to, please see the terms and conditions PDF.

Extended warranty

This applies to high value goods such as LCD and plasma screen televisions, digital cameras, satellite navigation systems, washing machines and now even includes iPods & iTouch. Items need to be valued between £50 and £2,000 and be purchased in full with your credit card in the UK

Cover begins after the manufacturer's warranty has expired, provided you have registered the appliance with us. Registering is simple and free. Just call 0800 169 1074* or register online within 90 days of purchase

We recommend you call before you make a purchase as some items are excluded from this cover. Reporting the breakdown of any appliances you have registered is also easy. All you need to do is call 0800 169 1074* within 45 days of breakdown

Cover provided by Domestic & General Group Limited.

* Telephone lines are open 8am to 10pm every day (except Christmas Day, Boxing Day and New Year's Day). Claims assistance is provided 24 hours a day, 365 days a year. To help us continually improve our service and in the interest of security, we may monitor and/or record your communications with us.

Premier Privileges

The programme provides access to a variety of travel, dining, shopping and entertainment offers around the world when paying for them with your HSBC Premier Credit Card.

So whether you're looking for travel, booking a restaurant or leisure activities or simply shop either at home in the UK or when travelling abroad, HSBC Premier Privileges will provide you with a wealth of special offers and unique opportunities with renowned brands whenever you use your HSBC Premier Credit Card.

Simply visit the HSBC Premier Privileges

Fraud protection

While online, HSBC Bank provides MasterCard® SecureCode free to help ensure secure online credit card payments.

Unless you tell us about any transactions you do not recognise, we will treat all transactions on the account as yours. We may contact you by telephone, letter or text message/SMS to advise that there may be suspicious activity on your account. We may also leave a message to ask that you call us.

If we leave a message, you should contact us as soon as possible. If you don't contact us we will assume that all transactions on the account are yours.

Help prevent Internet fraud. Only shop online at secure websites - ensure the security icon, a locked padlock symbol, is showing in the browser window.

Visa Debit Card

You can use your HSBC Premier Visa Debit Card to pay for goods and services wherever you see the Visa sign. This includes 29 million shops, hotels, restaurants and other outlets in the UK, and across 160 other countries. You can also withdraw up to £1,000 a day from over a million cash machines worldwide that display the Visa logo

And what's more, overseas cash machine withdrawals made with your HSBC Premier Visa Debit Card do not incur ATM transaction fees from HSBC. Please note, a foreign transaction charge of 2.75% will still apply to any transaction you make abroad. Find out more about our Visa Debit Card.

Please note, the exchange rate that applies to any foreign currency debit card payments (including cash withdrawals) is the wholesale market rate used by Visa applying on the day the conversion is made plus our foreign exchange charge, which is currently 2.75% of the applicable Visa wholesale rate. We will make the conversion and deduct the payment from your account once we receive details of the payment from Visa, at the latest the next working day. Details of the current wholesale market rates can be obtained by calling us on the usual telephone numbers. Some cash machine operators may apply a direct charge for withdrawals from their cash machines and this will be advised on screen at the time of withdrawal.

24/7 telephone banking

Our dedicated team can answer any queries you may have and help you get the most from your account. If you simply want to check your available balance, pay bills, transfer money or get details of your recent transactions, you can do so quickly and easily via our automated service.

Please call us on 08457 70 70 70

Please note, our 24-hour telephone banking service is subject to scheduled maintenance periods.

Internet Banking

Once you've logged on, you can access six years of statement history in just a few clicks. You can even choose to switch off your paper statements altogether and receive them electronically instead. Find out more about Internet Banking.

Please note, our 24-hour telephone banking service is subject to scheduled maintenance periods.

Mobile banking

You can receive weekly or monthly mini-statements on the day of your choice, showing your balance and your five most recent transactions. You can also choose to receive text alerts for certain events, such as when your balance falls beneath a specified amount or when a lump sum has been deposited in your account. Find out more about our Text Banking Service.

Please note, Text Banking is only available to UK residents. Text alerts are currently not available to residents of the Channel Islands and the Isle of Man.

Existing customers:

1. This offer applies to HSBC Premier customers.
2. We will give you a£100 reward voucher for each person you recommend to us who successfully opens a new HSBC Premier Bank Account and meets the HSBC Premier qualification criteria.
3. There is no limit to the number of people that an existing customer can recommend so long as they are not already customers of HSBC Bank plc. Only one incentive will be provided regardless of the number of accounts they open.
4. In order for a claim to be made in accordance with this offer, you must provide your details on the introduction card and pass this to the person you recommend

Recommended customers:

1. The recommended customer must take the completed introduction card into an HSBC Bank branch in the UK when applying for HSBC Premier.
2. HSBC Premier is subject to eligibility and status.
3. We will give a £50 reward voucher to every recommended customer who successfully opens a new HSBC Premier Bank account and meets the HSBC Premier qualification criteria.

Recommended customers:

1. This offer is available for HSBC Premier customers until further notice.
2. Rewards will be issued once we have verified that the recommended person has opened an HSBC Premier Bank Account and that they meet the HSBC Premier qualification criteria in the UK.
3. Employees of HSBC are not eligible for this offer.
4. HSBC Bank plc reserves the right to withdraw this offer at any time without notice.
5. This offer is not transferable to another person.
6. The reward is paid out only when the new customer meets the criteria which must be within 6 months of account opening.
7. The reward voucher is only valid for one year.

Overdrafts:

For HSBC Premier customers, the first £500 of any overdraft is provided interest-free. Overdrawn balances over £500 are charged at a preferential rate of 11.9% EAR variable

Representative example (assumed overdraft £1,200): 0% EAR variable on the first £500 and 11.9% EAR on the rest.

Debit interest is calculated on the cleared debit balance of your account, it accrues during your charging cycle (usually monthly) and is deducted from your account following the end of your charging cycle. Before we deduct any debit interest, we will give you at least 14 days' notice of the amount to be deducted