The HSBC UK Rewards Credit Card is designed for customers who want to make the most out of everyday spending.
With no annual fee and a robust points system that converts your purchases into redeemable rewards, the card appeals to both casual spenders and loyal users.
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This article breaks down the benefits, eligibility requirements, application steps, interest rates, repayment terms, and contact information for support.
Why Choose the HSBC UK Rewards Credit Card?
The HSBC Rewards Credit Card is a popular choice for those who want practical, flexible perks without extra cost.
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It’s ideal for individuals who already bank with HSBC or are planning to start a new relationship with the bank.
You get access to the full rewards program and all card benefits without any yearly charge. For added convenience, you can link your card to mobile wallets.
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New cardholders receive 0% interest on purchases for the first 6 months after account opening. This can help manage big purchases more affordably in the short term.
Reward System
Earn points every time you use the card for eligible transactions. These can be redeemed for shopping vouchers, travel discounts, dining, and more.
Use the HSBC Rewards portal within the mobile app to track, manage, and redeem your points.
It is easy and highly rewarding.
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How to Redeem Rewards
Within the app, tap the card account and select “Rewards” to see your current balance.
Options may include shopping vouchers, gift cards, flight miles, hotel discounts, and charitable donations.
Points usually have an expiration window (e.g., 36 months), so track them carefully.
What Makes This Card Unique Among HSBC UK Cards
While many cards in HSBC's portfolio prioritize balance transfers or premium travel perks, this card is tailored for consistent, practical spending
Offering a points-based system lets users earn points on daily purchases and redeem them across a broad catalog, including vouchers and experiences.
Additionally, it reinforces its digital-first design and aligns with customers who prefer mobile account management.
This combination of simplicity, rewards flexibility, and no cost to hold makes it a distinctive option within HSBC's lineup.
Application Eligibility: Who Can Apply?
HSBC evaluates both financial stability and account history, especially since this card is tied to the applicant’s existing mobile banking profile.
Basically, you must be 18 years or older, be a UK resident, and have a minimum annual income or pension of £6,800 (before tax).
The bank demands that you hold a qualifying HSBC current account (Advance, Bank Account, or Premier)
Besides, you must have deposited at least £1,750 per month into the account over the last 6 months. Transfers between HSBC accounts are not counted.
Application Process – HSBC UK Mobile Banking App
One unique aspect of the HSBC UK Rewards Credit Card is that it is only available through the HSBC UK Mobile Banking app.
You cannot apply via the website, although it facilitates your access to the app.
- Download or open the HSBC UK Mobile Banking App: Available on iOS and Android. If you're not already a user, you'll need to register and verify your identity first.
- Log in to Your Mobile Banking Account: Use your existing HSBC credentials to log in. Ensure your account has been active for at least 6 months if required by eligibility criteria.
- Navigate to the Credit Cards Section: Tap on "Products" or search "credit cards" in the app’s navigation.
- Select the HSBC Rewards Credit Card: Review the card features, rates, and eligibility terms before tapping "Apply."
- Complete the Application Form: Enter your employment, income, and residency details directly in the app.
- Credit Check and Approval: HSBC will run a soft or hard credit check. If approved, you will receive your new card and PIN by post within a few business days.
- Activate Your Card: Once you receive your card, you can activate it within the app or by calling HSBC’s card services.
Interest Rates and Fees
Here’s a breakdown of the financial costs associated with the HSBC UK Rewards Credit Card:
- Purchase Interest Rate: 23.9% p.a. (variable)
- Representative APR: 23.9% (variable)
- Cash Advance Fee: 2.99% of the transaction (minimum £3)
- Balance Transfer Fee: Typically not available for this product
- Annual Fee: £0
These figures are representative. The final rate you receive depends on your credit profile and HSBC's internal risk assessment.
Always check your offer before confirming the application.
Staying on top of your repayments ensures you avoid unnecessary fees and protects your credit score.
- Minimum Payment: Either £5 or 2.5% of the outstanding balance, whichever is higher.
- Payment Due Date: Once a month, as detailed in your monthly statement.
- Late Payment Fee: Up to £12
- Online Payment Options: Set up direct debit within the app, or make manual payments via bank transfer or debit card.
HSBC recommends setting up automatic payments through the app to avoid missed due dates.
Contact Details for HSBC UK
If you need help with your application or card services, here are the key contact points:
- General Customer Support: 03457 404 404
- Premier Banking Support: 03457 707 070
- From Overseas: +44 1226 261 010
- Lines Open: Monday to Sunday, 8:00 AM to 8:00 PM
Bank Headquarters:
HSBC UK Bank plc
1 Centenary Square
Birmingham
B1 1HQ
United Kingdom
Website: https://www.hsbc.co.uk
Final Thoughts
The HSBC UK Rewards Credit Card is a strong choice for HSBC account holders who want everyday benefits without paying an annual fee.
Rewards are flexible, and the introductory interest offer makes it appealing for short-term financing needs.
If you meet the eligibility criteria and already use HSBC mobile banking, this card could be a convenient and rewarding addition to your wallet.
Disclaimer: All applications are subject to status and affordability checks. Interest rates, offers, and eligibility criteria are subject to change without prior notice. Make sure to read the full terms and conditions within the HSBC Mobile Banking app before submitting your application. Always consider your ability to repay before applying for credit.
