Barclays Avios Rewards vs HSBC Premier Credit Card
Side-by-side comparison for UK businesses
| Feature | Barclays Avios Rewards | HSBC Premier Credit Card |
|---|---|---|
| Annual fee | £0 | £0 |
| Monthly fee | £12 | None |
| Welcome bonus | 25,000 Avios (account switchers) or 2,500 Avios (existing customers) | 20,000 reward points |
| Earn rate (default) | 0x | 1.5x |
| Rewards currency | Avios | HSBC Rewards |
| Card type | personal | personal |
Data last verified March 2026. Check issuer websites for the latest terms.
Barclays Avios Rewards
Not a credit card — a banking rewards programme bundled with Barclays Premier. Earns 1,500 Avios monthly for £12/month. Requires £75k income or £100k in savings. Good for passive Avios stacking alongside a spend card.
Annual cost
£144
Earn rate
0x
Welcome bonus
25,000 Avios (account switchers) or 2,500 Avios (existing customers)
Best for
Key benefits
- • 1,500 Avios per month just for holding the account
- • 7,000 bonus Avios or BA cabin upgrade voucher annually
- • Discounted airport lounge access worldwide
- • Extra Avios for Barclays mortgage, loan, and insurance products
HSBC Premier Credit Card
Free companion to the World Elite — same airline transfer partners but half the earn rate and pay-per-visit lounges. Good for HSBC Premier customers who don't want to pay £290/year but still want to collect transferable miles.
Annual cost
Free
Earn rate
1.5x
Welcome bonus
20,000 reward points
Best for
Key benefits
- • No annual fee
- • 1.5 points per £1 sterling, 2 points per £1 non-sterling
- • Priority Pass lounge access (£24 per visit)
- • Transfer to BA, Emirates, Etihad, Qatar Airways, Air India