Premier Credit Card

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**.

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. 

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. 

 

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.

 

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.

You can call us on:
03456 00 61 61
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 18.9% APR variable

Interest rates:

*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

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.

• 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.

HSBC customer

If you're already registered for online banking you can apply online now.

If you're not an HSBC customer or not registered for online banking you can apply by phone or in the branch.

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

03456 00 61 61

Lines are open 24 hours a day

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.

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.

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

We adhere to The Standards of Lending Practice*

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.