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Premier Credit Card

Discover the more rewarding way to pay
Balloons

The HSBC Premier Credit card brings you a world of travel benefits, a rewards programme and HSBC Premier privileges:

Key Benefits

  • Balance transfer offer
    The rate for balance transfers is 0% for 18 months, where the transfer is made within 60 days of account opening. A 1.4% balance transfer fee applies to each balance transferred (minimum £5).
  • No interest for nine months on purchases
    At the end of the promotional period, balance transfer and purchases will revert to the standard variable rate.
  • 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.
  • Get there with Uber
    Receive a £20 Uber promo code every time you purchase airline ticket(s) (value of £500 and above) using your HSBC Premier Credit card.
  • Free unlimited secure wi-fi
    Enjoy free, unlimited, secure wi-fi through Boingo at over one million hotspots worldwide. Connect up to four devices at airports, hotels and popular places around town.
  • LoungeKey airport lounge access
    Enjoy membership to the LoungeKey programme, with access to over 750 airport lounges worldwide. Please note that lounges will charge £15 per person for each visit and are subject to Lounge availability.
  • Contactless transactions
    Use your card to make contactless transactions and add it to Apple Pay and Android Pay.
  • Rewards programme
    An exciting selection of rewards from a wide range of partners. Earn 1 point for every £1 you spend in Sterling currency and earn 2 points for every £1 you spend in non-Sterling currency. These points can be redeemed for shopping vouchers & frequent flyer miles.
  • For a limited time, receive an extra 10,000 reward points when you spend £2,000 in the first 90 days*1.
  • HSBC Premier Privileges
    A unique collection of special discounts and experiences exclusively for our HSBC Premier Credit card customers.
  • 24 hour worldwide assistance
    With an emergency cash advance if your card is lost or stolen.
  • Extended warranty cover
    Up to two years extended warranty on selected household appliances.
  • Additional cards available
    Additional cards for partners or family members over 18.
     

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

*1To qualify for 10,000 bonus reward points, your credit card application must be received no later than 31st August 2017 and a minimum spend of £2,000 on purchases of goods or services must be debited to your HSBC Premier Credit card account within 90 days of the account being opened (the Qualifying Action). Bonus points will be awarded within 90 days of the Qualifying Action.

 

Representative example

Representative APR
18.9% APR
(variable)

Purchase rate
18.9% pa
(variable)

Based on assumed credit of:
£1,200


 

Are you eligible?

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. 

Key product information

Representative example
Representative 18.9% APR variable and 18.9% p.a (variable) for purchases, based on an assumed credit limit of £1,200. At the end of the promotional period, Balance transfer and purchases will revert to the standard variable rate.

 

Purchases
With the HSBC Bank Premier Credit card new cardholders get interest free purchases for 9 months. At the end of the 9 month promotional period purchases will revert to the standard variable rate - representative 18.9% APR variable.

 

Balance transfers
0% interest on balance transfers for 18 months; 1.4% fee (£5). A balance transfer should be done within 60 days of account opening.
From time to time we may contact you with details about balance transfer offers.

 

Rewards programme
Earn 1 point for every £1 you spend in Sterling* currency and earn 2 points for every £1 you spend in non-Sterling currency. Save up to treat yourself or someone you love. Go on a spree with shopping vouchers for stores like M&S and Amazon. Sample a special selection of wines and champagnes from Laithwaites** or take that feel good factor even further and donate your points to charity. Every 2 points are worth the equivalent of 1 frequent flyer mile. Simply redeem with our selected partner airlines and you could be jetting off to your favourite destination.

View our Premier Credit card Rewards Programme for full details.

*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.

** Laithwaites do not currently deliver to the Channel Islands 

 

Expedia savings
10% discount on selected hotels booked with your HSBC Premier Credit card through Expedia**. Cardholders also benefit from 12 months complimentary Expedia+Gold Membership.


Agoda Discount
10% discount on over 180,000 hotels booked with your Premier Credit card booked through Agoda**.

 

Get there with Uber
Receive a £20 Uber promo code to your registered email address every time you purchase airline ticket(s) (value of £500 and above) using your HSBC Premier Credit card.

 

Free unlimited secure wi-fi
Enjoy free, unlimited, secure wi-fi through Boingo at over one million hotspots worldwide. Connect up to four devices at airports, hotels and popular places around town. Sign up with your Premier Credit card at boingo**.

**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 your use of it. 


LoungeKey Airport lounge access
Enjoy membership to the LoungeKey programme, with access to over 750 airport lounges worldwide. Please note that lounges may charge up to £15 per person for each visit and visits are subject to lounge availability. Travel Benefits terms and conditions (PDF) apply


HSBC Premier Privileges
Take advantage of this unique collection of special discounts and experiences exclusively for our HSBC Premier Credit card customers. Whether you're travelling abroad or staying at home, there's a vast range of offers for you to choose from including travel, dining, health & beauty and shopping.

Extended Warranty cover
Your Premier Credit card can give you up to two years' extended warranty for many household appliances - such as LCD and plasma screen televisions, digital cameras, satellite navigation systems, washing machines, iPods & iTouch bought using your HSBC Premier Credit card. You can register up to 3 appliances per calendar year. To qualify for the extended warranty, appliances must cost between £50 and £2,000, be purchased in full with your Premier Credit card and be registered within 90 days of purchase. You can register by calling 0800 169 1074*. We recommend you call before you make a purchase as some items are excluded from this cover. Cover is provided by Domestic & General Insurance PLC and is only available to residents of the UK, the Channel Islands and the Isle of Man. Policy terms and conditions (PDF).

* Telephone lines are open 8am to 8pm every day (except Christmas Day, Boxing Day and New Year's Day). Calls may be monitored or recorded.


24 hour worldwide assistance
Day or night, help is always at hand if your card is lost or stolen. Wherever you are in the world you can speak to our dedicated team about getting an emergency cash advance.

 

Manage your card
Online banking is a convenient way to manage your card. It lets you check your credit card balance, make payments and stay in control.

 

Additional cards available
Get an additional credit card for a partner or family member over 18 years of age.  


No annual fee
The HSBC Premier Credit Card has no annual fee. 

A world of rewards and privileges

Earning points is easy, just use your HSBC Premier Credit card and you'll earn 1 point for every £1 you spend in Sterling currency and earn 2 points for every £1 you spend in non-Sterling currency. Points will be shown on your monthly statement.

 

Representative 18.9% APR variable. 

 

What you could get with your points

Rewards for Miles
We've 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 2 points are worth the equivalent of 1 Frequent Flyer Mile. Terms and conditions (PDF) apply.

 

Vouchers
You can redeem your points for vouchers from M&S, Amazon, Debenhams, Sainsbury's, Argos and Morrisons. Even better, we'll deliver them directly to your door. Find out more in the Rewards points brochure.

 

Fine Wines
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 MP85 to pay by points only or MC85 to pay by points and cash. (Please note: Laithwaites do not currently deliver to the Channel Islands)

 

Charity
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 help SOS Children's Villages, Age UK, British Heart Foundation or the Alzheimer's Society.

 

And an exciting range of exclusive offers

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 Credit Card 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 your use of it.

How to redeem your points

You can call us on:
03457 70 70 70 ✝
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

HSBC Premier Credit card interest rates

The information contained in this table summarises key product features and is not intended to replace any agreement terms.

 

APR - Representative 18.9% APR variable

Interest rates:

  Introductory rate* Monthly rate Annual rate
Purchases 0% on purchases for 9 months after account opening
1.456%
18.9%
Cash Advances N/A
1.456%
18.9%
Balance Transfers 0% on balance transfers made within 60 days
of account opening for 18 months from account opening
1.456%
18.9%

*For new HSBC Bank credit card customers only.
 

 


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, balance transfers, cash advances and cash related payments if you pay your balance in full and on time each month. 


 

 

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 onwards, 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)

B. £5

  • 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
(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)

C. £5


 

Credit limit
Minimum credit limit - £1,500

Maximum credit limit - Subject to status

 

Fees
No annual fees

 

Charges
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

 

 

Foreign usage
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 your use of it.

 

Default charges
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

Before you apply, take a look below at the eligibility requirements below for the HSBC Premier Credit card.

 

What you will need

  • 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.


 

Apply by phone

To apply for an HSBC Premier Credit card, please speak to your Relationship Manager. You can also call us on

0800 328 1296
Lines are open 24 hours a day

Textphone contact numbers

 

Apply in branch

To apply for an HSBC Premier Credit card in branch, book your appointment by calling:

03456 00 61 61

Lines are open from 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.

Are you eligible?

To be eligible for an HSBC Premier Credit card you need to:

  • Be a resident of the Channel Islands or Isle of Man
  • Be over 18
  • Be an existing 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.

Things you should know

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


To read our PDF files you'll need to have Acrobat Reader 8.0™ or above. We think most of you will have this but if you don't, it's free and can be downloaded from Adobe UK*. If you are accessing this website using screen reading technology that cannot read PDFs, a converter is available at Access Adobe*.



*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 your use of it.

The HSBC Premier Credit card brings you a world of travel benefits, a rewards programme and HSBC Premier privileges:

Key Benefits

  • Balance transfer offer
    The rate for balance transfers is 0% for 18 months, where the transfer is made within 60 days of account opening. A 1.4% balance transfer fee applies to each balance transferred (minimum £5).
  • No interest for nine months on purchases
    At the end of the promotional period, balance transfer and purchases will revert to the standard variable rate.
  • 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.
  • Get there with Uber
    Receive a £20 Uber promo code every time you purchase airline ticket(s) (value of £500 and above) using your HSBC Premier Credit card.
  • Free unlimited secure wi-fi
    Enjoy free, unlimited, secure wi-fi through Boingo at over one million hotspots worldwide. Connect up to four devices at airports, hotels and popular places around town.
  • LoungeKey airport lounge access
    Enjoy membership to the LoungeKey programme, with access to over 750 airport lounges worldwide. Please note that lounges will charge £15 per person for each visit and are subject to Lounge availability.
  • Contactless transactions
    Use your card to make contactless transactions and add it to Apple Pay and Android Pay.
  • Rewards programme
    An exciting selection of rewards from a wide range of partners. Earn 1 point for every £1 you spend in Sterling currency and earn 2 points for every £1 you spend in non-Sterling currency. These points can be redeemed for shopping vouchers & frequent flyer miles.
  • For a limited time, receive an extra 10,000 reward points when you spend £2,000 in the first 90 days*1.
  • HSBC Premier Privileges
    A unique collection of special discounts and experiences exclusively for our HSBC Premier Credit card customers.
  • 24 hour worldwide assistance
    With an emergency cash advance if your card is lost or stolen.
  • Extended warranty cover
    Up to two years extended warranty on selected household appliances.
  • Additional cards available
    Additional cards for partners or family members over 18.
     

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

*1To qualify for 10,000 bonus reward points, your credit card application must be received no later than 31st August 2017 and a minimum spend of £2,000 on purchases of goods or services must be debited to your HSBC Premier Credit card account within 90 days of the account being opened (the Qualifying Action). Bonus points will be awarded within 90 days of the Qualifying Action.

 

Representative example

Representative APR
18.9% APR
(variable)

Purchase rate
18.9% pa
(variable)

Based on assumed credit of:
£1,200


 

Are you eligible?

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. 

Key product information

Representative example
Representative 18.9% APR variable and 18.9% p.a (variable) for purchases, based on an assumed credit limit of £1,200. At the end of the promotional period, Balance transfer and purchases will revert to the standard variable rate.

 

Purchases
With the HSBC Bank Premier Credit card new cardholders get interest free purchases for 9 months. At the end of the 9 month promotional period purchases will revert to the standard variable rate - representative 18.9% APR variable.

 

Balance transfers
0% interest on balance transfers for 18 months; 1.4% fee (£5). A balance transfer should be done within 60 days of account opening.
From time to time we may contact you with details about balance transfer offers.

 

Rewards programme
Earn 1 point for every £1 you spend in Sterling* currency and earn 2 points for every £1 you spend in non-Sterling currency. Save up to treat yourself or someone you love. Go on a spree with shopping vouchers for stores like M&S and Amazon. Sample a special selection of wines and champagnes from Laithwaites** or take that feel good factor even further and donate your points to charity. Every 2 points are worth the equivalent of 1 frequent flyer mile. Simply redeem with our selected partner airlines and you could be jetting off to your favourite destination.

View our Premier Credit card Rewards Programme for full details.

*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.

** Laithwaites do not currently deliver to the Channel Islands 

 

Expedia savings
10% discount on selected hotels booked with your HSBC Premier Credit card through Expedia**. Cardholders also benefit from 12 months complimentary Expedia+Gold Membership.


Agoda Discount
10% discount on over 180,000 hotels booked with your Premier Credit card booked through Agoda**.

 

Get there with Uber
Receive a £20 Uber promo code to your registered email address every time you purchase airline ticket(s) (value of £500 and above) using your HSBC Premier Credit card.

 

Free unlimited secure wi-fi
Enjoy free, unlimited, secure wi-fi through Boingo at over one million hotspots worldwide. Connect up to four devices at airports, hotels and popular places around town. Sign up with your Premier Credit card at boingo**.

**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 your use of it. 


LoungeKey Airport lounge access
Enjoy membership to the LoungeKey programme, with access to over 750 airport lounges worldwide. Please note that lounges may charge up to £15 per person for each visit and visits are subject to lounge availability. Travel Benefits terms and conditions (PDF) apply


HSBC Premier Privileges
Take advantage of this unique collection of special discounts and experiences exclusively for our HSBC Premier Credit card customers. Whether you're travelling abroad or staying at home, there's a vast range of offers for you to choose from including travel, dining, health & beauty and shopping.

Extended Warranty cover
Your Premier Credit card can give you up to two years' extended warranty for many household appliances - such as LCD and plasma screen televisions, digital cameras, satellite navigation systems, washing machines, iPods & iTouch bought using your HSBC Premier Credit card. You can register up to 3 appliances per calendar year. To qualify for the extended warranty, appliances must cost between £50 and £2,000, be purchased in full with your Premier Credit card and be registered within 90 days of purchase. You can register by calling 0800 169 1074*. We recommend you call before you make a purchase as some items are excluded from this cover. Cover is provided by Domestic & General Insurance PLC and is only available to residents of the UK, the Channel Islands and the Isle of Man. Policy terms and conditions (PDF).

* Telephone lines are open 8am to 8pm every day (except Christmas Day, Boxing Day and New Year's Day). Calls may be monitored or recorded.


24 hour worldwide assistance
Day or night, help is always at hand if your card is lost or stolen. Wherever you are in the world you can speak to our dedicated team about getting an emergency cash advance.

 

Manage your card
Online banking is a convenient way to manage your card. It lets you check your credit card balance, make payments and stay in control.

 

Additional cards available
Get an additional credit card for a partner or family member over 18 years of age.  


No annual fee
The HSBC Premier Credit Card has no annual fee. 

A world of rewards and privileges

Earning points is easy, just use your HSBC Premier Credit card and you'll earn 1 point for every £1 you spend in Sterling currency and earn 2 points for every £1 you spend in non-Sterling currency. Points will be shown on your monthly statement.

 

Representative 18.9% APR variable. 

 

What you could get with your points

Rewards for Miles
We've 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 2 points are worth the equivalent of 1 Frequent Flyer Mile. Terms and conditions (PDF) apply.

 

Vouchers
You can redeem your points for vouchers from M&S, Amazon, Debenhams, Sainsbury's, Argos and Morrisons. Even better, we'll deliver them directly to your door. Find out more in the Rewards points brochure.

 

Fine Wines
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 MP85 to pay by points only or MC85 to pay by points and cash. (Please note: Laithwaites do not currently deliver to the Channel Islands)

 

Charity
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 help SOS Children's Villages, Age UK, British Heart Foundation or the Alzheimer's Society.

 

And an exciting range of exclusive offers

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 Credit Card 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 your use of it.

How to redeem your points

You can call us on:
03457 70 70 70 ✝
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

HSBC Premier Credit card interest rates

The information contained in this table summarises key product features and is not intended to replace any agreement terms.

 

APR - Representative 18.9% APR variable

Interest rates:

  Introductory rate* Monthly rate Annual rate
Purchases 0% on purchases for 9 months after account opening
1.456%
18.9%
Cash Advances N/A
1.456%
18.9%
Balance Transfers 0% on balance transfers made within 60 days
of account opening for 18 months from account opening
1.456%
18.9%

*For new HSBC Bank credit card customers only.
 

 


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, balance transfers, cash advances and cash related payments if you pay your balance in full and on time each month. 


 

 

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 onwards, 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)

B. £5

  • 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
(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)

C. £5


 

Credit limit
Minimum credit limit - £1,500

Maximum credit limit - Subject to status

 

Fees
No annual fees

 

Charges
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

 

 

Foreign usage
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 your use of it.

 

Default charges
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

Before you apply, take a look below at the eligibility requirements below for the HSBC Premier Credit card.

 

What you will need

  • 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.


 

Apply by phone

To apply for an HSBC Premier Credit card, please speak to your Relationship Manager. You can also call us on

0800 328 1296
Lines are open 24 hours a day

Textphone contact numbers

 

Apply in branch

To apply for an HSBC Premier Credit card in branch, book your appointment by calling:

03456 00 61 61

Lines are open from 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.

Are you eligible?

To be eligible for an HSBC Premier Credit card you need to:

  • Be a resident of the Channel Islands or Isle of Man
  • Be over 18
  • Be an existing 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.

Things you should know

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


To read our PDF files you'll need to have Acrobat Reader 8.0™ or above. We think most of you will have this but if you don't, it's free and can be downloaded from Adobe UK*. If you are accessing this website using screen reading technology that cannot read PDFs, a converter is available at Access Adobe*.



*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 your use of it.

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