HSBC Premier: our most exclusive banking service | HSBC UK
HSBC Online Banking activation
We're currently making improvements to our Online Banking service.
If you registered for Online Banking prior to the 17th December 2014 it's not possible for you to activate your existing Secure Key and you will need to re-start your registration.
If you registered for Online Banking after this date, please log on to Online Banking entering your username, memorable answer and your password, from here you will be prompted to activate your Secure Key.
We apologise for any inconvenience which this delay may cause. Once you are registered, we look forward to introducing you to Online Banking, including the exciting enhancements we're working on now.
HSBC Premier Credit Card
The information contained in this table summarises key product features and is not intended to replace any Agreement Terms
|APR||Representative 59.3% APR variable (based on an annual fee of £195 and an assumed credit limit of £1,200)|
|Interest rates||Introductory rate||Monthly rate||Annual rate|
Interest free period
Up to 56 days for purchases when you pay your balance in full every month by the due date.
Interest charging information
You will not pay interest on purchases if you pay your balance in full and on time each month. Otherwise, the period over which interest is charged will be as follows.
|Purchases, balance transfer, cash advances and cash related payments||Date debited to your account||Paid in full|
Allocation of payments
If the amount you pay in a month is less than the full amount you owe, we will apply the amount you pay in the following order:
- any unpaid arrears or amounts over the credit limit;
- the amount you owe us and shown in your statement;
- any transactions, interest or charges not yet included in a statement.
We will apply your payment first to amounts on your account which we charge at the highest interest rate followed by amounts we charged at lower interest rates. In each case, interest and charges are paid off first. If some amounts are charged at the same interest rate, we will apply your payment to the oldest amounts first.
For futher details, please refer to your Credit Card Terms and Conditions.
Minimum monthly repayment
|If you entered into your agreement with us before 23 March 2011 the minimum payment will be the higher of:||A. 2.5% of the full amount you owe as shown on your monthly statement (including interest and charges)
|If you entered into your agreement with us from 23 March 2011 onwards, the minimum payment will be the higher of:||A. The sum of (a) interest for the period from the last statement, (b) any default charges, and (c) 1% of the full amount you owe as shown on your monthly statement (not including interest and charges)
B. 2.5% of the full amount you owe us as shown on your monthly statement (including interest and charges)
|Minimum credit limit||£500|
|Maximum credit limit||Subject to status|
Primary cardholder fee: £195 (non re-fundable)
Additional cardholder fee: £60 (non re-fundable)
|Cash Fee||2.99% of the cash advance or cash related payment, minimum £3|
1.4% of each balance transferred within 60 days of account opening, minimum £5
2.9% of the balance transferred after 60 days from account opening, minimum £5
|Payment Scheme Exchange Rate.||To find out more, visit the MasterCard Rates website|
|Dependent upon the type of transaction you undertake, one or more of the following will apply.|
|Non-sterling Transaction fee||2.99% of the sterling amount of the transaction|
|Cash Fee||2.99% of the amount advanced, minimum £3.00|
|For paying late||£12.00|
|For going over your credit limit||£12.00|
|For payments which are returned unpaid||£5.00|
|For enforcing repayment, including legal and tracing costs||Our reasonable costs|
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