Rewards Credit Cards – MasterCard Reward Card

HSBC UK
Credit cards
Products
Rewards Credit Card

Rewards Credit Card

Use this card to earn reward points on eligible purchases¹ you make. Redeem your points against everyday purchases²- from your morning coffee to cinema tickets. To get started, simply download the Mastercard Pay With Rewards™ app, set your preferences and let your points treat you.

You need to have an HSBC Advance Bank Account (or have paid a total of £1750 a month into an HSBC UK Bank or Premier Account over the last 6 months).

Credit is subject to status, affordability and terms and conditions.

Representative example

21.9% APR (variable)

Representative APR

21.9% p.a. (variable)

Purchase rate

Based on an assumed credit limit of

£1,200

How to apply

Rewards

Earn points when you spend

For every £5 of eligible spend¹ on your credit card, you’ll earn 1 reward point. Use your reward points wherever Mastercard is accepted²

2,500 welcome points

Receive 2,500 rewards points (worth £25) into your Pay with Rewards Account after you make your first transaction

2,500 anniversary points

Spend £10,000 or more on your card annually³ (for the first 5 years) to receive 2,500 reward points (worth £25) on the anniversary of card membership.

Bonus points at selected merchants

Supercharge your points balance and earn up to 10 points per £1 spent at a range of national brands⁴

Card details

Pay with Rewards

Use your reward points against everyday purchases, wherever Mastercard is accepted using the Pay with Rewards app or website
0% interest on purchases for 6 months* from account opening
0% interest for 6 months* on balance transfers made within the first 60 days of account opening.

A 2% fee applies (minimum £5)
No annual fee

* At the end of the promotional period, balance transfers and purchases will revert to the standard variable rate.

Using your card

Manage your card wherever you are

You can use Online Banking or the HSBC Mobile Banking app to check your credit card balance, make payments and stay in control.
Get an additional card

As long as they’re over 18, you can add your partner or a family member to your account.
Use your card abroad

You can use your HSBC Credit Card at any retailer or cash machine that displays the logo on your card. Fees apply and non-HSBC cash machines may also charge a fee.
24/7 worldwide assistance

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.
Temporarily block your card

For those times your card is misplaced, add a temporary block on your card, and simply unblock it when it turns up.

Using your Reward points

Once you have taken up the Rewards Credit Card and start spending, the points that you accumulate on the HSBC Rewards Credit Card can only be redeemed using the Mastercard Pay with Rewards app or website.

Getting started

Set yourself up with Pay with Rewards
Pay with Rewards app	Download 'Pay with Rewards' app from Google Play Store or App Store Register by following on-screen instructions You are all set
Pay with Rewards website	Log on to the Rewards website (this website is managed by Mastercard on behalf of HSBC) Register by following on-screen instructions Create user ID and password. You are all set

Set yourself up with Pay with Rewards
Pay with Rewards app	Pay with Rewards website
Download 'Pay with Rewards' app from Google Play Store or App Store Register by following on-screen instructions You are all set	Log on to the Rewards website (this website is managed by Mastercard on behalf of HSBC) Register by following on-screen instructions Create user ID and password. You are all set

How to redeem Reward points

Step 1
Log in to Pay with Rewards app or website.

Step 2
Turn the 'Next Purchase' feature on, every time you want to use your points.

Step 3
Use your card as you normally would, the monetary equivalent of your points will be credited to your card account.

The rewards system is managed by Mastercard. For us to be able to serve you, once you have been on boarded, we will be sharing some of your personal information with Mastercard and its affiliates. Refer to the Rewards Programme Rules for more information

Enjoy with ease

Contactless

Apple Pay

Google Pay

Samsung Pay

Apply for the HSBC Rewards Credit Card

Please ensure you read the important information in the ‘Things you should know’ section before applying.

To be eligible for the HSBC Rewards Credit Card, you need to:

have an annual income/pension before tax of £8,500 or more
be a UK resident*
be over 18

And be an existing HSBC UK customer who holds one of the below:

an Advance account
a Bank Account or Premier Account, and have paid a total of £1750 a month into your account over the last 6 months, not including money transferred from other sole or joint personal accounts held with HSBC UK.

If you foresee any changes in circumstances that may affect your ability to repay the credit card you are applying for, for example a change in your income or outgoings, a change to your employment situation or you are a temporary or zero hours contract worker, please apply by telephone or branch.

Introductory rates only apply if you haven't held an HSBC credit card within the last 6 months. Balances can't be transferred from cards issued by other members of the HSBC Group including first direct, M&S Financial Services plc, John Lewis Financial Services Ltd.

If you’re not a HSBC customer yet but would like to take up the Rewards Credit Card today, you first need to successfully apply and qualify for an HSBC Advance Bank Account. To qualify for an HSBC Advance Bank Account you must pay at least £1,750 a month into the account (or a minimum of £10,500 every 6 months), not including money transferred from other sole or joint personal accounts held with HSBC UK.

Alternatively, you can apply for a HSBC Bank Account or HSBC Premier Bank Account and maintain a credit turnover of £1,750 a month into the account for a minimum of 6 months (or a minimum of £10,500 every 6 months), not including money transferred from other sole or joint personal accounts held with HSBC UK.

*Channel Islands and Isle of Man customers are not eligible to apply online. Please visit your local branch to apply.

Registered for Online Banking?

If you’re already registered for Online Banking, you can apply online now.

View your pre-filled application form, submit in just one click, and receive an instant decision.

Log on to apply For an HSBC Advance Credit Card

Apply in the mobile app

If you're registered for mobile banking and have downloaded the app you can apply within the app in just a few clicks.

Not registered yet?

You need to be registered for Online Banking to apply.

Apply in branch

You'll need to bring identification, proof of your address and a recent statement from your current bank.

Please note - You can only apply in branch if you are an existing HSBC customer.

Find a branch

Textphone contact numbers Opens in overlay

Things you should know

¹The following do not count as eligible purchases: ATM cash withdrawals; cash advances or cash related payments; balance transfer transaction; tax payment transactions; gambling transactions; any fees or charges incurred through the use of your credit card.

²Pay with Rewards can be used against any transaction anywhere a Mastercard credit transaction is accepted (each, Mastercard-accepting location, an "Authorised Merchant"), including with respect to e-commerce, in person payments and recurring payments subject to local legal and regulatory requirements. However, "Authorised Merchants" do not include hotels, car and truck rental agencies, gas stations, cruise ships and other merchants or transactions requiring pre-authorization, as Mastercard may designate from time to time, without further notice to you. Also, a merchant is not an "Authorised Merchant" for a transaction if the transaction is not processed by the Mastercard payment network

³The total eligible net spend in the 12-month period from the account opening date needs to be £10,000 or more. Spends that are not considered eligible are ATM cash withdrawals; cash advances or cash related payments; balance transfer transaction; tax payment transactions; gambling transactions; any fees or charges incurred through the use of your credit card.

⁴National brands are updated frequently. See up to date offers on the Mastercard Pay with Rewards app or website.

Frequently asked questions

Pay with Rewards is an innovative solution by Mastercard® that allows HSBC Rewards credit card customers to use their reward points against purchases they make at millions of participating locations worldwide, both for point of sale (POS) transactions as well as online transactions.

Simply register via the Pay with Rewards mobile app, or through the Pay and Rewards website.

You’ll earn points whenever you use your card to make a purchase but you won’t be able to see or use your points until after you’ve registered.

You can redeem your points against a purchase at any time, even if you haven’t got enough points to cover the whole of a transaction. You can even set your preferences so your points are automatically used for your next purchase. The original purchase, and the corresponding Pay with Rewards credit, will appear on your monthly credit card statement.

And don’t worry, if you forget to allocate your points before making a purchase, you can still use them against a valid transaction made within the last 7 days on the App.

With Pay with Rewards, you have endless opportunities for using points against purchases you make, in-store or online, at millions of eligible Mastercard locations, within and outside of the UK*. You can view and redeem your rewards via mobile app or online. Set your Pay with Rewards preferences and simply use your card like you normally would. The monetary equivalent of your points will be credited to your card account.

*(Any Non-sterling transactions will be charged with a Non-sterling transaction fee of 2.99%. The fees will be applied on the entire transaction amount regardless of the points used. Reward Points can’t be used against the Non-sterling transaction fee).

Currently, Pay with Rewards is only available to HSBC Rewards primary credit card holders.

No, there is no charge associated for Pay with Rewards.

Click here for further FAQs

Rewards Credit Card

Rewards Credit Card

Representative example

21.9% APR (variable)

21.9% p.a. (variable)

Rewards

Earn points when you spend

2,500 welcome points

2,500 anniversary points

Bonus points at selected merchants

Card details

Using your card

Using your Reward points

Find out more

Enjoy with ease

Contactless

Apple Pay

Google Pay

Samsung Pay

Apply for the HSBC Rewards Credit Card

Are you eligible?

Registered for Online Banking?

Apply in the mobile app

Not registered yet?

Apply in branch

Things you should know

Frequently asked questions

What is Pay with Rewards?

How does it work?

What are the benefits of using Pay with Rewards?

Will Pay with Rewards be available to other HSBC Credit Card holders?

Is there a fee to register or use Pay with Rewards?

You might also be interested in

HSBC Advance account

Home improvement loan

Premier Credit Card

Mobile and online banking

Customer support