Funding Circle Business Cashback Card vs HSBC Premier World Elite Mastercard
Side-by-side comparison for UK businesses
| Feature | Funding Circle Business Cashback Card | HSBC Premier World Elite Mastercard |
|---|---|---|
| Annual fee | £0 | £290 |
| Monthly fee | None | None |
| Welcome bonus | 2% cashback for first 6 months (capped at £2,000) | 60,000 reward points |
| Earn rate (default) | 1x | 3x |
| Rewards currency | cashback | HSBC Rewards |
| Card type | business | personal |
Data last verified March 2026. Check issuer websites for the latest terms.
Funding Circle Business Cashback Card
Strong cashback card for established SMEs. 1% uncapped on all spend, no FX fees, free employee cards, and limits up to £250k. Requires at least a year of trading and £40k turnover.
Annual cost
Free
Earn rate
1x
Welcome bonus
2% cashback for first 6 months (capped at £2,000)
Best for
CashbackInternational spend
Key benefits
- • 1% uncapped cashback on all spend
- • No annual or monthly fee
- • No foreign transaction fees
- • Credit limits up to £250,000
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
Airline milesAirport lounges
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