Barclays Avios Rewards vs HSBC Premier World Elite Mastercard
Side-by-side comparison for UK businesses
| Feature | Barclays Avios Rewards | HSBC Premier World Elite Mastercard |
|---|---|---|
| Annual fee | £0 | £290 |
| Monthly fee | £12 | None |
| Welcome bonus | 25,000 Avios (account switchers) or 2,500 Avios (existing customers) | 60,000 reward points |
| Earn rate (default) | 0x | 3x |
| 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 World Elite Mastercard
HSBC's top-tier personal card. 60k welcome bonus, 3pts/£1 earn rate, and unlimited Priority Pass lounge access. £290/year and 2.99% FX fee. Requires HSBC Premier (£100k income or investments). Strong for airline mile collectors.
Annual cost
£290
Earn rate
3x
Welcome bonus
60,000 reward points
Best for
Key benefits
- • Unlimited Priority Pass lounge access (cardholder + additional cardholders)
- • 3 points per £1 sterling, 4 points per £1 non-sterling
- • Transfer to BA, Emirates, Etihad, Qatar Airways, Air India
- • Airport fast track via Mastercard Travel Experiences