Top of main content

Premier Credit Card

Travel benefits and reward points - but no annual card fee.

Premier rewards and benefits

Get travel benefits and rewards with no annual card fee. Plus enjoy 18 months interest-free on balance transfers (2.99% fee, min £5). For HSBC Premier customers only. Representative 23.9% APR (variable).

Please read the important documents before applying.

Balance transfers need to be done in the first 60 days to get 18 months interest free.

Credit is subject to status, affordability and terms and conditions.

Representative example

Purchase rate23.9% p.a. (variable)

Representative23.9% APR (variable)

Based on an assumed credit limit of£1,200

Key benefits of a Premier Credit Card

Earn rewards on purchases

For every £1 of eligible spend[@eligible-spend-excludes], you’ll earn 1 reward point if it’s in sterling[@sterling-currency-includes], or 2 reward points if it’s in another currency[@transactions-subject-to-non-sterling-fee].

0% interest on purchases

0% interest on purchases for 9 months[@end-promotional-period-older] after account opening.

0% interest on balance transfers

0% interest for 18 months[@end-promotional-period-older] on balance transfers made within 60 days of account opening. A 2.99% fee applies for each balance transferred, minimum £5.

Learn more about reward points

How you earn reward points

  • Get 1 point for every £1 of eligible spend you make in sterling
    Sterling currency includes transactions made in the UK, Jersey, Guernsey and Isle of Man, as well as transactions outside the UK where you choose to pay in sterling rather than local currency.
  • Get 2 points for every £1 spent in other currencies
    These transactions are subject to a non-sterling transaction fee, currently 2.99% of the amount of the transaction.

How you can use your reward points

  • Swap points for shopping vouchers
    Redeem your points for vouchers to use with a variety of retailers including M&S and Amazon. T&Cs apply (PDF, 90KB)
  • Turn points into airline miles
    Convert your reward points into airline miles to use with Asia Miles, British Airways, Emirates, Etihad, Qatar Airways, Singapore Airlines and more. T&Cs apply (PDF, 222KB)
  • Use points for hotel stays
    Use your points to pay for hotel stays at a selection of hotels. T&Cs apply (PDF, 222KB)
  • Splash your points on fine wines
    Laithwaites can deliver a special selection of quality wines to your home or office. Find out more about using points for fine wines.

Other features of the HSBC Premier Credit Card

  • Use your credit card abroad
    You can use your HSBC credit card in all countries and regions supported by the Visa and Mastercard networks. Fees apply, and non-HSBC cash machines may also charge a fee.
  • Airport lounge access
    Get access to more than 1,600 airport lounges worldwide with Priority Pass. Just show your Premier Credit Card at the door. Lounges charge £24 per person per visit, subject to availability.
  • Discounts at Agoda and Expedia hotels
    Get up to 14% off bookings at more than 180,000 Agoda hotels, and 10% off at Expedia hotels.
  • No-fuss card management
    Use online banking or the HSBC Mobile Banking app to check your balance, make payments, block or unblock your card, and stay in control.
  • Go digital
    All HSBC credit cards are contactless and can be used with a digital wallet. For immediate access to spending, add your card to Apple Pay or Google Pay directly from the HSBC UK Mobile Banking app before your new card arrives.
  • Enjoy 24/7 worldwide assistance
    Help is at hand if your card is lost or stolen. Call our dedicated support team about getting an emergency cash advance.
  • Mastercard Priceless
    Access unforgettable experiences and everyday value in the cities where you live and travel with Mastercard Priceless.
  • No annual fee
    There's no annual fee for the Premier Credit Card, but a 2.99% balance transfer fee applies to each balance transferred (minimum £5).
  • Extended warranty cover
    Get 2 years extended warranty[@cc-extended-warranty-cover] provided by Domestic & General Insurance PLC, on selected household items.
  • Purchase protection
    As with all credit cards, section 75 of the Consumer Credit Act protects purchases of £100 to £30,000 if the supplier breaches a contract, or misrepresents goods.

Things to know

Ready to apply for a Premier Credit Card?

On your mobile device? If you've downloaded our app and have an HSBC Premier Account, you can apply now by selecting 'Apply in app'.

If you're on a desktop, scan the QR code with your mobile device.

Scan this code to apply

More ways to apply

Apply online 

Apply in branch 

New to the UK?

If you're new to the UK, you may be able to bring your existing credit card history with you.

Frequently asked questions

What is a Premier Credit Card? 

Does HSBC Premier include airport lounge access? 

How do I use Priority Pass? 

You might also be interested in

Premier Bank Account

 

The premium bank account that gives you access to preferred products, Premier specialists and exclusive benefits and rewards.

Subject to financial and other eligibility criteria. 

Reward points

 

Find out how your rewards credit card can pay you back.

Credit card comparison tool

 

Take a look at our range of credit cards, consider their benefits and find the one that will suit you best. 

Credit card eligibility checker

 

See which cards you’re likely to be accepted for, and your estimated credit limit, without it affecting your credit score. 

Additional information

    Balances can’t be transferred from all cards. For example, cards issued by members of the HSBC Group, including HSBC UK, first direct and M&S Bank, are excluded.

    You must not have opened a new HSBC credit card or received a credit limit increase within the past 6 months, and you must not be applying for a credit card that you already hold.

    Please note, if you currently hold a Student or Premier Credit Card with us, you will not be eligible for this card.

    It's easy to answer your query online. Visit our Help page to find out how.