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 fee
£290/yr
APR
24.9% variable
FX fee
2.99%
Welcome bonus
60,000 reward points
Earn rate
default3x HSBC Rewards
foreign4x HSBC Rewards
Pros & cons
Pros
- 60k welcome bonus — one of the best in the UK
- Unlimited Priority Pass lounge access
- Transfer to 5 major airlines inc. BA and Emirates
Cons
- £290 annual fee
- 2.99% FX fee despite foreign earn bonus
- Requires HSBC Premier (£100k income or investments)
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
- Travel insurance via HSBC Premier Account
- Up to 5% cashback at Apple Store
