advance 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.

Credit is subject to status, affordability and applicable 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


About this card

Card details

  • Pay with Rewards
    Redeem your reward points against everyday purchases using 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.


  • Earn points when you spend
    For every £5 spent using your credit card, you’ll earn 1 reward point.
  • 2,500 welcome points (worth £25)
    Receive 2,500 rewards points into your Pay with Rewards Account after you make your first transaction.
  • 2,500 anniversary points (worth £25)
    Spend £10,000 or more on your card annually3 (for the first 5 years) to receive 2,500 reward points on the anniversary of card membership.

Using your card

  • Make contactless payments
    Your card is contactless and you can add it to Apple PayGoogle Pay and Samsung Pay.
  • Manage your card online
    Online banking is a convenient way to manage your card. It lets you 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.
  • Bank anywhere with the HSBC Mobile Banking app
    Make payments to existing beneficiaries and manage your personal accounts easily and securely with the HSBC Mobile Banking app.
  • 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.
    Credit card fees abroad
  • 24/7 worldwide assistance
    Day or night, 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.

Apply for the HSBC Rewards Credit Card

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

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.

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.

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