HSBC Premier World Elite Mastercard | Credit Cards

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Top of main content Premier World Elite Mastercard Get more out of your global lifestyle, with our most rewarding credit card.
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The card designed for dedicated travellers

Unlock exclusive travel, dining and lifestyle benefits with the Premier World Elite Mastercard. Earn reward points as you spend (with more points per pound than our Premier Credit Card), and exchange them for airline miles to build up your total in double quick time.

Representative example

Representative 100.2% APR (variable)

Purchase rate 29.9% p.a. (variable)

Annual fee GBP 290

Based on an assumed credit limit of £1,200

Apply now

Welcome reward points bonus

Receive 40,000 points when you spend £2,000 on your card in the first 90 days of card membership. That's the equivalent of 20,000 air miles.

Why choose this card?

Extra rewards when you spend abroad

For every £1 of eligible spend, you’ll earn 2 reward points, with double points on non-sterling transactions.

Points for miles

Redeem your points for airline miles or shopping vouchers.

Travel benefits

Enjoy airport lounge access and security Fast Track for you and any additional cardholders.

Earn as you spend

For every £1 sterling you spend you’ll get 2 reward points - or 4 points for transactions in other currencies. (Eligible spends only, fees apply to non-sterling transactions).

You can then redeem your points for a choice of rewards:

  • Airline miles Convert points into airline miles with British Airways, Asia Miles, Singapore Airlines and Etihad
  • Shopping vouchers Exchange your points for vouchers from Amazon, M&S or Sainsburys
  • Share rewards Combine points with your additional cardholders, if you like

Travel in style

As well as being able to use your card around the world, you'll get perks that make jetting off quicker, cheaper and a little more luxurious.

  • Airport security Fast Track Speed up airport security check-ins for you and any additional cardholders. You'll also get discounts at many airport restaurants and bars with the Mastercard Travel Experiences app
  • Airport lounge access Get unlimited access to more than 1,700 airport lounges worldwide with Priority Pass (subject to availability)

More benefits of the Premier World Elite Mastercard

  • Use your credit card abroad

    Use your card in all countries and regions supported by the Visa and Mastercard networks

  • Purchase protection As with all credit cards, purchases of £100 to £30,000 are protected if the supplier breaches a contract, or misrepresents goods
  • Add cardholders Get additional cards for up to 3 friends or family members for an annual fee of £60 each. They’ll earn points and enjoy airport lounge access, too
  • 24/7 worldwide assistance If your card gets lost or stolen, we may be able to help you out with an emergency cash advance
  • No-fuss card management Use the HSBC CI & IoM Mobile Banking app to check your balance, make payments or block and unblock your card. Learn more

Things to know

Who can apply?

To apply for a Premier World Elite Credit Card you must:

  • Have an HSBC Expat Bank Account, or an HSBC Premier account in another country

All credit applications are subject to status, our lending criteria and an assessment of your circumstances. Maximum credit limit subject to status.

Interest rates, fees and charges

APR (Annual percentage rate)

APR - Representative 29.9% APR variable (based on an annual fee of GBP 290 and an assumed credit limit of GBP 1,200)

Other interest rates Introductory rate Monthly rate Annual rate
Purchase N/A 2.209% 29.9%
Cash advances N/A 2.209% 29.9%
Balance transfers N/A 2.209% 29.9%
Other interest rates Purchase
Introductory rate N/A
Monthly rate 2.209%
Annual rate 29.9%
Other interest rates Cash advances
Introductory rate N/A
Monthly rate 2.209%
Annual rate 29.9%
Other interest rates Balance transfers
Introductory rate N/A
Monthly rate 2.209%
Annual rate 29.9%
Interest free period

Up to 56 days on purchases if you pay your whole balance in full and on time.

Interest charging information

You will not pay interest on purchases if you pay your balance in full and on time each month. Otherwise, the period over which interest is charged will be as detailed in the table below. For cash advances and balance transfers any interest charge for the period from the previous statement to the date of full repayment will be debited the following month. Interest will not be charged on default charges.

Period over which interest is charged

Transaction type From Until
Purchases Date debited to your account Paid in full
Cash advances Date debited to your account Paid in full
Balance transfers Date debited to your account Paid in full
Transaction type Purchases
From Date debited to your account
Until Paid in full
Transaction type Cash advances
From Date debited to your account
Until Paid in full
Transaction type Balance transfers
From Date debited to your account
Until Paid in full
Allocation of payments

Your payment is allocated in the following order:

  • Cash advances
  • Purchases
  • Standard rate balance transfers
  • Promotional rate purchases and balance transfers

For further details, please refer to your credit card terms and conditions.

Minimum monthly payment

Interest, default charges and any payment protection insurance premium plus 1% of the principal, or 2.5% of the balance or GBP 5 whichever is highest, or your statement balance if less than GBP 5.

Amount of credit
  • Minimum credit limit - GBP 5000
  • Maximum credit limit - subject to status
Fees
  • Primary card - GBP 290 (annual fee)
  • Additional card - GBP 60 per additional card (annual fee)
Charges
  • Cash fee - 2.99% handling fee, minimum GBP 3 (includes cash withdrawals, purchases of foreign currency and travellers cheques, but does not apply to gambling transactions)
  • Balance transfers - 2.9% of each amount transferred, minimum GBP 5
Foreign usage
  • Payment Scheme Exchange Rate - to find out more, visit the Mastercard Rates website

Depending which type of transaction you make, 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 GBP 3

Terms and conditions

Ready to apply?

Already with Expat?

To apply for a Premier World Elite Mastercard, contact your Relationship Manager directly

Or to schedule an appointment with your Relationship Manager, call us on:

+44 1534 616 313

Lines are open all day, every day

New to Expat?

You can apply for a Premier World Elite Credit Card once you've opened an HSBC Expat Bank Account with us.

Explore our Expat Bank Account

Frequently asked questions

How do I manage my credit card?

You can manage your card using online banking, or the HSBC Channel Islands and Isle of Man Mobile Banking app. (Please note, you will need to use the CI & IoM app, rather than the Expat Mobile Banking app).

Find out more about managing your card online.

How do I convert my reward points into airline miles?

  1. Log on to online banking
  2. Choose your card within the 'My Accounts section'. Then choose 'Points Balance' from the right hand menu
  3. Select 'Continue' under 'Airline miles', on the list of 'Points Redemption Options' or 'Join airline programme' if you're not currently part of an airline programme.
  4. Select the airline you want
  5. Insert your details, including your airline programme number and submit your request. Please allow up to 14 days for your request to be processed

How do I redeem my points for rewards?

To redeem your points online:

  1. Log on to online banking.
  2. Select the relevant card from the 'My accounts' section.
  3. Select 'Points balance', located at the top of 'card transactions'.

To redeem your points by phone, give us a call.

From the UK, Channel Islands or Isle of Man call: 0345 600 61 61

From overseas call: +44 1226 261 010

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An exclusive card for Expat customers. The HSBC Credit Card is a GBP card accepted at over 24 million locations around the world. Save in up to 19 currencies with our range of instant access and fixed-term savings accounts for expats.

Additional information

Disclaimer

Credit cards are provided by HSBC Bank plc, which is authorised by the Prudential Regulatory Authority and regulated by Financial Conduct Authority and the Prudential Regulatory Authority. HSBC Bank plc, Card Services, PO Box 6001, Coventry, CV3 9FP, United Kingdom.

Issued by HSBC Bank plc, registered in England and Wales number 14259. Registered office 8 Canada Square, London, E14 5HQ. HSBC Bank plc, Jersey Branch is licensed by the Jersey Financial Services Commission.

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