HSBC UK Premier Credit Card — United Kingdom
1.5 Reward Points per GBP 1 eligible sterling spend; 2 per GBP 1 in another currency (foreign transaction fee applies).
- Annual card + required rewards fees
- £0.00
- Reward currency
- HSBC Reward Points
- Card type
- Personal credit card
- Mileage route
- Bank points
- Record checked
- 2026-10-14
- First-year card fee
- Not verified
How earning and transfers work
Primary Premier cardholders can convert points to participating airline programmes through HSBC Mobile Banking or the Loyalty Portal. Transfer only to a programme account in your own matching name. Confirm each current ratio and minimum before transfer.
Eligibility and important conditions
UK resident aged over 18 with an HSBC Premier Account, subject to affordability and credit approval. Premier banking eligibility applies separately.
Requires an HSBC Premier account. Airline conversion ratios and minimums must be checked before transfer.
- Fee waiver
- Not verified
- Transaction rounding
- Points rounded to the nearest whole point under the rewards rules.
- Points expiry
- Normally 3 years from the end of the calendar month in which points were earned. Closing the account forfeits unused points.
- Minimum transfer
- Not verified
- Transfer fee
- Not verified
- Transfer timing
- HSBC normally processes the request within 1 day; airline crediting can take longer and is not guaranteed within that day.
Verification and sources
Official product indexed; confirm current terms
Current card fee, sterling/non-sterling earning, named airline routes, bank-account eligibility, point expiry and transfer processing checked. Partner-specific ratios and minimums not fully verified.
Missing values remain unverified. Earnings, caps, expiry and transaction rounding can differ from a simple headline rate. Numerical reward estimates are disabled unless the full earning model is supported.