Maximise your Avios, air miles and hotel points

Get 12,500 Avios (or Etihad, Cathay, Singapore miles) with the HSBC Premier credit card

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I was surprised last year when HSBC added the ability to earn Avios points to the HSBC Premier Mastercard. I assumed that American Express, Lloyds and TSB had that contract tied down.

I was even more surprised to see the exceptionally generous earning rate of 1 Avios point per £1 spent. For a Mastercard or Visa – especially for a free one – that is very generous.

HSBC has even been running annual transfer bonuses – the one currently running is 25%. That makes the earnings rate 1.25 Avios per £1 if you had been saving up your points.

For comparison, the 2nd most generous Visa or Mastercard option for Avios points is the Tesco Clubcard Mastercard. That earns you 0.25 Clubcard points per £1, so 0.6 Avios.

To get the HSBC Premier Mastercard requires you to have a (free) HSBC Premier current account. The snag is that the income and investment hurdles are very high as I outline here.

If you do qualify, there is great news. HSBC is running its first ever sign-up bonus for the Premier Mastercard.

As outlined on this website all you need to do is sign up before November 30th and make one solitary purchase before December 31st.

In return, you will receive enough bonus points to convert into 12,500 Avios, Etihad Guest, Asia Miles or Singapore / Krisflyer miles. Alternatively, you could convert into £80 of shopping vouchers.

If you are an existing HSBC Premier customer, this seems like a no-brainer. If you are not but meet the qualifying criteria, this may be the carrot you need to move to HSBC. I have been a Premier customer ever since it launched and I have never had any issues with them.


Want to earn more points from credit cards? – December 2021 update

If you are looking to apply for a new credit or charge card, here are our November 2021 recommendations based on the current sign-up bonus

You can see our full directory of all UK cards which earn airline or hotel points here. Here are the top current deals:

British Airways BA Amex American Express card

British Airways American Express

5,000 Avios for signing up, no annual fee and an Economy 2-4-1 voucher for spending ….. Read our full review

British Airways BA Premium Plus American Express Amex credit card

British Airways American Express Premium Plus

25,000 Avios and the UK’s most valuable credit card perk – the 2-4-1 companion voucher Read our full review

Nectar American Express

American Express Preferred Rewards Gold

Your best beginner’s card – 20,000 points, FREE for a year & two airport lounge passes Read our full review

American Express Platinum card Amex

The Platinum Card from American Express

30,000 points and an unbeatable set of travel benefits – for a fee Read our full review

Earning miles and points from small business cards

If you are a sole trader or run a small company, you may also want to check out these offers.

American Express Business Gold

20,000 points sign-up bonus and free for a year Read our full review

Amex Platinum Business American Express

American Express Business Platinum

40,000 points sign-up bonus and a long list of travel benefits Read our full review

British Airways Accelerating Business American Express card

British Airways Accelerating Business American Express

30,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios Read our full review

Capital On Tap Business Rewards Visa

The most generous Avios Visa or Mastercard for a limited company Read our full review

For a non-American Express option, we also recommend the Barclaycard Select Cashback card for sole traders and small businesses. It is FREE and you receive 1% cashback on your spending:

Barclaycard Select Cashback Credit Card

1% cashback and no annual fee Read our full review

Comments (35)

This article is closed to new posts. Discussion continues in the HfP Forums.

  • Geoggy says:

    Called back – 32 minutes.

    25 of which was repetitive rubbish.

  • Lady London says:

    My partner had an account. There is definitely a difference in having the account. For regular customers HSBC has pretty much gone “no service from a human” for transactions in branches but with the card he was recognised, met and helped by a human and was unfailingly offered a cup of tea!

    As Neil C says above, In addition we worked out that the benefits on the HSBC Premier account were worth the fees.

  • Charlie says:

    I think this card will always be a pipe dream for me.

    Having said that, I do like the way you write about the Premier card account as you always take into account any readers who don’t qualify, it doesn’t make me feel like i’m missing out on all that much, a quality blog 🙂

  • DV says:

    Does the card or the Prermier account give you a full annual travel insurance policy similar to the Amex Platinum card?

    • Rob says:

      They do, it is more like the new Amex Plat policy than the old one, covers you, partner and kids. Policy document is online.

  • Ossie says:

    It does, and having had cause to use it on one occasion, dealing with it was very straightforward.

  • Luke says:

    I already have this card and its due to expire in about 6 months, does anyone know if they now issue this card with contactless?

  • Paul says:

    OT but just noticed Miles and More cards show 1,500 bonus points (on first purchase) and 10,000 if you spend £2k within 90 days. That’s on M&M site. If you click through to MBNA it still just shows 1,500 on first purchase.
    Apply by 22/12/14. Is this a new offer that MBNA just haven’t updated yet?

    • Rob says:

      Yes, this is new. Thanks for the heads up. I will run something in the next couple of days.

  • squills says:

    Tesco: points are in! New Q, that is.

This article is closed to new posts. Discussion continues in the HfP Forums.