HSBC Rewards Credit Card

The HSBC Rewards Credit Card is a trusted choice among UK consumers looking for a credit card that offers 0% interest for a limited time, no annual fee, and a straightforward, flexible rewards programme.

Card Details

• Annual fee: £0 – there’s no cost to keep this card active.
• Rewards: Earn 1 point for every £1 spent in sterling, and 2 points for every £1 spent in foreign currency.
• Welcome bonus: Receive 2,500 reward points after making your first purchase with the card.
• Introductory purchase APR: 0% interest for 6 months from account opening.
• Introductory balance transfer APR: 0% interest for 6 months on transfers made within the first 60 days (a 2.99% transfer fee applies).
• Recommended credit score: Good to excellent (690–850). Applicants should have a solid UK credit history to be eligible.

Wanna learn more about the HSBC Rewards Credit Card? Then press the button below and check out the complete step-by-step process to apply for your card.

Rewards Summary

The HSBC Rewards Credit Card offers a straightforward and practical rewards programme that adds value to your everyday spending — especially if you use the card regularly or travel from time to time.

Welcome Bonus

Receive 2,500 reward points after your first purchase — whether it’s a coffee or something more substantial.
These points can be redeemed instantly via Mastercard Pay with Rewards, providing immediate value.
The welcome bonus is typically worth around £25, depending on where and how the points are redeemed.

Ongoing Rewards

Earn 1 point for every £1 spent in sterling, with no minimum spend required.
Earn 2 points per £1 spent in foreign currency — ideal for holidays, international purchases, or streaming subscriptions billed abroad.
Points can be used to reduce your credit card balance, redeem gift cards, or shop with participating retailers via the HSBC Rewards platform.

Annual Spending Bonus

Spend £10,000 or more in a calendar year and earn an additional 2,500 loyalty points.
This bonus can be earned once per year for up to five years, adding up to 12,500 extra points.
Perfect for those who regularly use the card for groceries, travel, fuel or recurring bills.

Reward Redemption

Reward points do not expire as long as your account remains open and in good standing.
You can redeem your points directly at checkout, apply them to reduce your card balance, or exchange them for rewards, gift vouchers or experiences.
The Pay with Rewards feature makes redemption seamless and convenient.

About HSBC

Founded in 1865, HSBC (originally The Hongkong and Shanghai Banking Corporation) is one of the world’s largest banking and financial services institutions.

Headquartered in London, the bank operates in over 60 countries and territories, serving more than 40 million customers globally.

HSBC is known for its strong international presence, trusted reputation, and diverse range of financial products — from everyday banking and lending, to wealth management and global markets.

The bank continues to innovate and modernise, remaining at the forefront of the banking sector as digital technology reshapes financial services.

Why Choose the HSBC Rewards Credit Card?

The HSBC Rewards Credit Card presents a number of advantages for UK consumers who want a simple, no-fee credit card that offers ongoing rewards for everyday spending.

It’s particularly appealing to individuals who want to earn points on routine purchases and redeem them for travel, shopping vouchers, or financial statement credit.

The absence of an annual fee makes this card a strong option for budget-conscious users looking for real benefits without hidden costs.

Frequent travellers will also appreciate the included travel insurance and foreign currency rewards boost, offering both peace of mind and added value abroad.

Additionally, the card supports contactless and mobile payments (Apple Pay, Google Pay), making it a great fit for tech-savvy users who prioritise speed and security in their everyday purchases.

Whether your priority is flexibility, rewards, or international spending perks, the HSBC Rewards Credit Card is designed to deliver a balanced and rewarding user experience.