Transferable Points Credit Cards in the UK
🇬🇧 5 personal cards in United Kingdom earn bank or issuer points rather than miles from one airline, so the value depends on the airline partners and conversion ratios you can actually use.
Catalog checked 2026-10-20. Figures are in GBP and come from issuer and programme sources linked on each card profile.
At a glance
- 5 cards from 2 issuers: American Express, HSBC UK.
- Recorded annual cost runs from £0 (HSBC UK Premier Credit Card) to £650 (American Express The Platinum Card — UK Credit Card).
- Most recorded airline partners: American Express Preferred Rewards Gold Credit Card (15). Recorded partners are not an exhaustive list.
Cards compared
| Card | Annual fee | Earning | Reward / route | Recorded partners | Checked |
|---|---|---|---|---|---|
| American Express Rewards Credit Card | £0 | 1 Membership Rewards point per full GBP 1 of purchases. | Membership Rewards points · Bank points | British Airways Club, Cathay, Delta SkyMiles, Emirates Skywards, Flying Blue, Iberia Club, Qantas Frequent Flyer, Qatar Airways Privilege Club and 7 more | 2026-10-20 |
| HSBC UK Premier Credit Card | £0 | 1.5 reward points per GBP 1 of eligible sterling spend; 2 per GBP 1 in another currency (2.99% non-sterling fee applies). | HSBC Reward Points · Bank points | British Airways Club, Emirates Skywards, Etihad Guest, Qatar Airways Privilege Club, Air India Maharaja Club | 2026-10-20 |
| American Express Preferred Rewards Gold Credit Card | £195 | 1 Membership Rewards point/GBP on purchases; 2/GBP on direct airline purchases; 3/GBP at Amex Travel. 5,000 bonus points per GBP 10,000 spent, up to 10,000 bonus points… | Membership Rewards · Bank points | British Airways Club, Cathay, Delta SkyMiles, Emirates Skywards, Flying Blue, Iberia Club, Qantas Frequent Flyer, Qatar Airways Privilege Club and 7 more | 2026-10-20 |
| HSBC UK Premier World Elite Mastercard | £290 | 3 reward points per GBP 1 of eligible sterling spend; 4 per GBP 1 in another currency (2.99% non-sterling fee applies). HSBC states GBP 1 of sterling spend equals 1.5… | HSBC Reward Points · Bank points | British Airways Club, Emirates Skywards, Etihad Guest, Qatar Airways Privilege Club, Air India Maharaja Club | 2026-10-20 |
| American Express The Platinum Card — UK Credit Card | £650 | 1 Membership Rewards point/GBP on purchases plus 1 extra point/GBP on American Express Travel Online (2/GBP in total). No points on balance transfers, cash advances… | Membership Rewards · Bank points | British Airways Club, Cathay, Delta SkyMiles, Emirates Skywards, Flying Blue, Iberia Club, Qantas Frequent Flyer, Qatar Airways Privilege Club and 7 more | 2026-10-20 |
What to check before applying
- Residency, income and credit requirements are set by the issuer and can exclude you even when the card is listed.
- Welcome offers, limited-time transfer bonuses and award availability are deliberately not modelled.
- Confirm the current fee, earning caps, exclusions and expiry on the issuer’s own page before you apply: open a card profile for its sources.
Bank points and airline miles are different currencies. The partner and ratio columns show only what the issuer’s terms state for that card; a missing partner is not proof that no conversion exists.
Related guides for United Kingdom
- All United Kingdom mileage cards
- Airline Co-Branded Credit Cards in the UK
- No-Annual-Fee Miles Credit Cards in the UK
- Business Credit Cards That Earn Miles in the UK
- Singapore Airlines KrisFlyer credit cards in the UK
- Cathay Pacific Asia Miles credit cards in the UK
- Air France–KLM Flying Blue credit cards in the UK
- Qatar Airways Privilege Club credit cards in the UK
- British Airways Club credit cards in the UK
- Virgin Atlantic Flying Club credit cards in the UK
- Qantas Frequent Flyer credit cards in the UK
- British Airways Club program guide
- Cathay Pacific Asia Miles program guide
- Emirates Skywards program guide
- Air France–KLM Flying Blue program guide
- Iberia Club program guide
- Qantas Frequent Flyer program guide
- Before you transfer points
- Award booking checklist
- US, UK, Canada and Australia overview