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. 


You need to have an HSBC Advance Bank Account (or have paid a total of £1750 a month into an HSBC UK Bank or Premier Account over the last 6 months).

Credit is subject to status, affordability and 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



Earn points when you spend

For every £5 of eligible spend1 on your credit card, you’ll earn 1 reward point. Use your reward points wherever Mastercard is accepted2

2,500 welcome points

Receive 2,500 rewards points (worth £25) into your Pay with Rewards Account after you make your first transaction

2,500 anniversary points

Spend £10,000 or more on your card annually3 (for the first 5 years) to receive 2,500 reward points (worth £25) on the anniversary of card membership.

Bonus points at selected merchants

Supercharge your points balance and earn up to 10 points per £1 spent at a range of national brands4

Card details

  • Pay with Rewards
    Use your reward points against everyday purchases, wherever Mastercard is accepted using the 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.

Using your card

  • Manage your card wherever you are
    You can use Online Banking or the HSBC Mobile Banking app to 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.
  • 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.
  • 24/7 worldwide assistance
    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.
  • Temporarily block your card
    For those times your card is misplaced, add a temporary block on your card, and simply unblock it when it turns up.

Using your Reward points

Once you have taken up the Rewards Credit Card and start spending, the points that you accumulate on the HSBC Rewards Credit Card can only be redeemed using the Mastercard Pay with Rewards app or website. 

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.

Apply in the mobile app

If you're registered for mobile banking and have downloaded the app you can apply within the app in just a few clicks.

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.

4 National brands are updated frequently. See up to date offers on the Mastercard Pay with Rewards app or website.

Frequently asked questions

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