HSBC Premier World Elite

3.8

OUR RATING

Representative APR

100.2% APR (variable)

Purchases

29.9% (variable) p.a.

Balance Transfers

29.9% (variable) p.a.

Account Fees

£290 p.a.

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 29.9% (variable) p.a., and a fee of £290 per annum, most accepted customers get a rate of 100.2% APR (variable).

3.8

OUR RATING

Editor’s Note: While we always aim to give you accurate product information at the point of publication, rates, prices, terms and promotions can always be changed by the provider afterwards and without notice, so be sure to double check first.

Our Verdict

The HSBC Premier World Elite credit card carries a high annual fee but offers substantial rewards, including double points on purchases made abroad. It is designed for high spenders and frequent travellers seeking premium benefits and enhanced rewards on international spending.

Important: The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer.

Product Features & Benefits

Issuer	HSBC
Network	Mastercard
Primary Category	Rewards
Loyalty Scheme	Points
Incentive on opening	40,000 Reward points when you spend £2,000 on card in first 90 days of card membership. Get access to more than 1,300 airport lounges worldwide with Priority PassPriority Pass. Get up to 14% off bookings at more than 180,000 Agoda hotels, and 10% off at Expedia hotels.
Cashback/Rewards (if applicable)	For every £1 of eligible spend, you’ll earn 3 reward point if it’s in sterling or 4 reward points if it’s in another currency. Spend £12,000 or more on your card within your first 12 months of membership to receive a further 40,000 reward points at the anniversary of card membership.
Account Fee	£290 p.a.
Purchases	29.9% (variable) p.a.
Purchases Interest Free Period	56 days
Balance Transfers	29.9% (variable) p.a.
Balance Transfer Fee	0.00%
Cash Advances	29.9% (variable) p.a. (fees apply)
Minimum Credit Limit	£ 5,000.00
Maximum Credit Limit	Subject To Status

Fees & Charges

Account Fee	£290 p.a.
Late Payment	£ 12
Returned Payment	£ 5
Exceed Limit	£ 12
Duplicate Statement	£ 0
Replacement Card	£ 0
Trace Fee	£ 0
Cash Withdrawal Fee	2.99%
Cash Withdrawal Minimum Charge	£ 3
Foreign Usage EU	2.99%
Foreign Usage World	2.99%