Premier World Elite™ Mastercard ®

• Enhanced Rewards Programme
  Earn two points for every £1 of eligible spend in sterling currency and earn four points for every £1 of eligible spend in non-sterling and redeem against vouchers for top retailers & frequent flyer miles.
• 40,000 Reward Points
  when you spend £12,000 or more on your Card within the first 12 months of card membership.
• HSBC Premier Rewards for Miles
  Every 2 points are worth the equivalent of 1 frequent flyer mile.
• Complimentary Airport Lounge Access
  Enjoy membership to the LoungeKey programme, with complimentary access to over 750 airport lounges worldwide by simply presenting your World Elite Mastercard.
• Hotel Discounts
  10% discount on selected hotels booked with your Premier Credit Card through Expedia and Agoda. Cardholders also benefit from 12 months complimentary Expedia+ Gold Membership.

HSBC Premier is available to you, if you pay your annual income into your HSBC Premier Bank Account and have either:

1. savings or investments of at least £50,000 with HSBC in Jersey, Guernsey or Isle of Man; or
2. an individual annual income of at least £75,000 and one of the following products with HSBC in Jersey, Guernsey or Isle of Man : a mortgage;
   investment, life insurance or protection product

Or if you’ve already qualified for HSBC Premier in another country

If you'd like to open an HSBC Premier Account, please ensure you fulfil all the following criteria:

• you need to be 18 years or older
• your residential address must be within the Channel Islands or Isle of Man
• you must be able to provide us with certified proof of your identity and address and one month's bank statements from your current bank (translated into English if appropriate)
• if you are resident in the Channel Islands or Isle of Man, you are happy for us to undertake a credit register search
• in order to qualify for lending, savings and travel insurance benefits and preferential rates you will need to be a resident in the Channel Islands or Isle of Man. This is subject to status and meeting HSBC's proof of address requirement.
  

For eligibility purposes, please note HSBC in the Channel Islands and Isle of Man excludes HSBC UK, M&S Bank, first direct and HSBC Expat. For the second criteria, in the case of a joint account, at least one of the parties must have an individual annual income of at least £75,000. The investment, life insurance or protection products also includes those purchased through one of HSBC's advisers.

Primary cardholder fee: £195 ( non re-fundable )

Secondary cardholder fee: £60 ( non re-fundable )

Representative example:

Representative 59.3% APR variable and 18.9% p.a (variable) for purchases, based on an annual fee of £195 and an assumed credit limit of £1,200.

Earn two points for every £1 of eligible spend in sterling currency* and earn four points for every £1 of eligible spend in non-sterling and redeem against vouchers for top retailers.

*Sterling Currency includes transactions made in the UK, Channel Islands and Isle of Man as well as transactions overseas where you choose to pay in sterling rather than local currency.

Receive 40,000 reward points when you spend £2,000 in your first 90 days of Card membership.

Spend £12,000 or more on your Card within your first 12 months to receive a further 40,000 reward points.

LoungeKey Airport Lounge Access

World Elite cardholders will gain access to more than 750 lounges worldwide. Simply present your HSBC Premier World Elite Mastercard. Visits are subject to lounge availability.
 

Free Unlimited Secure Wi-Fi

Why not make your journey that much easier with access to the world's largest Wi-Fi network, allowing you to stay connected to the people that matter the most. Brought to you by iPass.
 

Expedia Savings

10% discount on selected hotels booked with your HSBC Premier World Elite Mastercard through www.expedia.co.uk/HSBCPremier. Cardholders also benefit from 12 months complimentary Expedia+ Gold Membership.
 

Agoda Discount

10% discount on over 180,000 hotels booked with your HSBC Premier World Elite Mastercard booked through www.agoda.com/HSBCPremier. 

For £60, get an additional credit card for a partner or family member over 18 years of age.

Representative example:

Representative 59.3% APR variable and 18.9% p.a (variable) for purchases, based on an annual fee of £195 and an assumed credit of £1,200.

For an annual fee of £60, adding your partner, a family member or friend to your account is a simple way to get more from your HSBC Premier World Elite™ MasterCard ®

Representative Example
Representative 59.3% APR variable and 18.9% p.a (variable) for purchases, based on an annual fee of £195 and an assumed credit of £1,200

What are the benefits?

• Additional cardholder will gain unlimited access to over 500 airport lounges across the world.
• Earn two points for every £1 of eligible spend in Sterling currency and earn four points for every £1 of eligible spend in non-Sterling. These points are added to the main Cardholder's points balance.
   

Save up and redeem against great rewards for example:

• Shopping Vouchers for stores like M&S and Amazon.
• Sample special selections of luxury wines and champagnes from Laithwaites (Please note: Laithwaites does not currently deliver to the Channel Islands)
• Taking that feel good factor even further and donate your points to charity.

Additional Cardholders must be 18 years or over.

When using your HSBC Premier World Elite MasterCard, you'll earn two points for every £1 of eligible spend in sterling currency and earn four points for every £1 of eligible spend in non-sterling. Points are valid for three years and will be shown on your monthly statement.

We have partnered with British Airways, Etihad, Asia Miles and Singapore Airlines to allow you to convert your HSBC Premier Reward Points to airline frequent flyer miles. Every two reward points is worth 1 airline frequent flyer mile.

You can redeems your Points for vouchers from M&S, Amazon, Debenhams, Sainsbury's, Argos and Morrisons. Even better, we will deliver them directly to your door.

You can exchange your Points for a special selection of Laithwaite's quality wines - any of which can be delivered direct to your home or office.

Simply call 03330 148 174^** quoting reference MP15 to pay by Points only or MC15 to pay by Points and cash. (Please note: Laithwaites do not deliver to the Channel Islands)  

You could always donate your Points to a good cause. Every 1500 Points is worth £5 of vital support for charities all over the world. You can also help SOS Children's Villages, Age UK or the Alzheimer's Society.

Discover the vast possibilities awaiting you when travelling or simply staying at home with a wide range of very special offers from HSBC Premier Privileges. It's just one of the ways we like to thank our Premier World Elite MasterCard customers.

* This link may allow you to access a non HSBC website. HSBC Bank plc has no control over the linked website and is not liable for the use of it.

Please ensure you have your HSBC Premier Credit Card account number to hand.

✝ Lines are open 8am to 10pm everyday (except Christmas Day, Boxing Day and New Year's Day). 

*In order to provide a wide range of charities that our customers would choose to support and to ensure as many charities as possible have the opportunity to benefit from our scheme, we may change the charity selection from time to time.

**Lines are open Weekdays: 8.30am to 9pm, Saturday: 9am to 8pm, Sunday: 9am to 6pm

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)

Up to 56 days of free interest for purchases when you pay your balance in full every month by the due date.

You will not pay interest on purchases, balance transfers, cash advances and cash related payments if you pay your balance in full and on time each month.

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 further details, please refer to your Credit Card Terms and Conditions.

If you entered into your agreement with us before 23 March 2011 the minimum payment will be the higher of:

1. 2.5% of the full amount you owe as shown on your monthly statement (including interest and charges)

2. £5

If you entered into your agreement with us from 23 March 2011 onwards, the minimum payment will be the higher of:

1. 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)

2. 2.5% of the full amount you owe us as shown on your monthly statement (including interest and charges)

3. £5

Minimum credit limit - £5,000

Maximum credit limit - Subject to status 

Primary cardholder fee - £195 (non re-fundable)

Additional cardholder fee - £60 (non re-fundable)

Charges for fees and transfers are:

Cash fee - 2.99% of the cash advance or cash related payment, minimum £3

Balance transfers - 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 is 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
 

To find out more, visit the MasterCard Rates website*

*This link may allow you to access a non-HSBC website. HSBC Bank plc has no control over the linked website and is not liable for the use of it.

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

Simply choose the way that suits you best. Please make sure you have read the eligibility requirements below for the HSBC Premier World Elite MasterCard.

• Details of your annual income.
• Full details of your monthly outgoings including your household bills and any amounts for mortgage or rent.
• Full details of any existing lending that you hold outside HSBC, including all loans, hire purchase agreements and credit cards with other providers.

To apply for an HSBC Premier World Elite™ MasterCard ® please speak to your Relationship Manager. You can also call us on:

03457 70 70 70

Lines are open 24 hours a day 

Textphone contact numbers

To apply for an HSBC Premier World Elite™ MasterCard ® in branch, book your appointment by calling:

03457 70 70 70

Lines are open 8am to 10pm every day (except for Christmas Day, Boxing Day and New Year's Day). Calls may be recorded.

You'll need to bring identification, proof of your address and a recent statement from your current bank.

We regularly invite our Premier cardholders to transfer to the HSBC Premier World Elite MasterCard. If you have received an invite, please use the below number and ensure you have your reference code with you to complete the application. 

What you will need

• Your existing Premier Credit Card Number
• The reference code detailed in your invitation to transfer to the World Elite MasterCard online.

You may have told us in the past that you do not want to receive certain communications from HSBC Bank Plc. If so, we are unable to send you an invitation to transfer online. Alternatively, apply for the Premier World Elite MasterCard by speaking to your Premier Relationship Manager over the phone or in branch. You can call us on 03457 70 70 70 to book an appointment.

• Any existing Balance Transfers and Reward Points will automatically move to the new HSBC Premier World Elite MasterCard.
• You will be automatically issued with a new PIN for the new card.
• We won't need to credit score you for the new Premier World Elite MasterCard, so your credit limit will be unchanged. Plus, any debit balance will be transferred to your new card.
• You can continue using your existing Premier Card until your new card arrives, you will receive your new card within 7-10 working days.
• Once you start using your new card we'll take it as an instruction to close your current existing Premier Card.
• If you already have a Direct Debit set up on your account we will transfer this to your new card automatically. If you would like to update your Direct Debit please let us know by completing the 'Payments' section of the Card Agreement.
• Continue to pay your Premier Credit Card until you receive your new Premier World Elite MasterCard
• If you have recurring payments on your account, you'll need to advise the retailer of the new credit card number. 

To be eligible for an HSBC Premier World Elite™ MasterCard ® you need to be over 18, a resident in the Channel Islands or Isle of Man and an HSBC Premier customer.

HSBC Premier is available without a monthly account fee if you meet any of the following criteria:

1. Have savings or investments of at least £50,000 with HSBC in the Channel Islands or Isle of Man; or
2. Have an individual annual income of at least £75,000 and one of the following products with HSBC in the Channel Islands or Isle of Man:

- A mortgage;

- An investment, life insurance or protection product;

Or, qualify for HSBC Premier in another country.

Please note: This excludes HSBC UK, M&S Bank, First Direct and HSBC Expat. For the second criteria, in the case of a joint account, at least one of the parties must have an individual annual income of at least £75,000. The investment, life insurance or protection products also includes those purchased through one of HSBC's advisers.

Before applying, please take the time to read the following. You may also want to save some of these documents for future reference.

These links may allow you to access a non HSBC website. HSBC Bank plc has no control over the linked website and is not liable for the use of it.

We adhere to The Standards of Lending Practice