Reward points

• Earn up to 10 points for every £1 you spend¹ at selected retailers. Log on to Mastercard Pay with Rewards for a full list. Get 1 point for every £5 you spend elsewhere. 
• Get 2,500 welcome points worth £25 when you make your first transaction¹.
• Plus if you spend¹ £10,000+ on your card in the first year you'll get another 2,500 'anniversary' points. You can earn these anniversary points in each of the first 5 years you have your card. They're paid on the anniversary of when you opened your account. To get these anniversary points every year, you’ll need to make £10,000+ worth of eligible spending¹ in a 12 month period (starts from the date you opened this credit card account).

After you've registered with Mastercard Pay with Rewards, you'll be able to see your points balance, view merchant offers and spend points. The easiest way to see these is on the Mastercard Pay with Rewards app.

1. Register

Register on the Mastercard Pay with Rewards website or download the app. 

2. Log on to Mastercard Pay with Rewards

When you’d like to use your points towards a purchase, go to the Mastercard Pay with Rewards app or log on to the Mastercard Pay with Rewards website.

3. Turn on 'Next purchase'

Switch on 'Next purchase' to use your points for the next thing you buy. Alternatively you can set your preferences to use points automatically as soon as you've earned them.

4. Use your card as usual

Use your card as you normally would. The cash equivalent of your points will be credited to your account, saving you money on what you’ve bought. 

• Earn 1 point for every £1 of eligible spend¹ you make in sterling³, and 2 points for every £1 spent in other currencies² (fees apply to non-sterling transactions). T&Cs apply (PDF)

Swap points online for shopping vouchers

1. Log on to online banking.
2. Select 'Premier card' within the 'My accounts' section.
3. Select ‘Total points balance’.
4. On the loyalty portal, select ‘Spend your points’.
5. Select ‘Shopping vouchers’ to choose the shopping voucher and value you’d like to receive.

You’ll receive your e-voucher directly to your inbox.

Exchange points for wine

Browse the Laithwaites range

Call Laithwaites on 03330 148 174 and quote the first 6 digits of your card number to order.

Lines are open weekdays 08:30 to 19:30, Saturdays 09:00 to 18:00 and Sundays 10:00 to 16:00.

How to convert points into airmiles

1. Log on to HSBC Online Banking.
2. Select 'Premier card' within the 'My accounts' section.
3. Select ‘Total points balance’.
4. On the loyalty portal, select ‘Spend your points’.
5. Select ‘Airline miles’ to choose the airline and the number of miles you'd like to receive.
6. You’ll also need to include your airline programme number to submit your request.

Turn points into hotel stays

1. Log on to online banking.
2. Select ‘Premier card’ within the ‘My accounts’ section.
3. Select ‘Total points balance’.
4. On the loyalty portal, select ‘Spend your points’.
5. Select ‘Hotels’ to choose the hotel and the number of hotel loyalty points you'd like to receive.
6. You’ll also need to include your hotel loyalty programme number to submit your request.

Unable to convert points online?

We’re keeping the phone lines free for those who need us the most, so please go online if possible.

If you can't use online banking or are experiencing technical issues with the site, you can call to redeem your points on 03457 70 70 70. Lines are open every day from 08:00 to 20:00.

Please have your card number to hand.

• For a limited time, receive 60,000 reward points when you spend¹ £2,000 on your card in the first 90 days of card membership. Offer ends 29th May 2025⁴. 
• Earn 3 reward points for every £1 of eligible spend¹ you make in sterling³,  and 4 points for every £1 spent in non-sterling currencies² (fees apply to non-sterling transactions).

Swap points online for shopping vouchers

1. Log on to online banking.
2. Select 'Premier World Elite Mastercard' within the 'My accounts' section.
3. Select ‘Total points balance’.
4. On the loyalty portal, select ‘Spend your points’.
5. Select ‘Shopping vouchers’ to choose the shopping voucher and value you’d like to receive.

You’ll receive your e-voucher directly to your inbox.

Exchange points for wine

Browse the Laithwaites range

Call Laithwaites on 03330 148 174 and quote the first 6 digits of your card number to order.

Lines are open weekdays 08:30 to 19:30, Saturdays 09:00 to 18:00 and Sundays 10:00 to 16:00.

How to convert points into airmiles

1. Log on to HSBC Online Banking.
2. Select 'Premier World Elite Mastercard' within the 'My accounts' section.
3. Select ‘Total points balance’.
4. On the loyalty portal, select ‘Spend your points’.
5. Select ‘Airline miles’ to choose the airline and the number of miles you'd like to receive.
6. You’ll also need to include your airline programme number to submit your request.

Turn points into hotel stays

1. Log on to online banking.
2. Select ‘Premier World Elite Mastercard’ within the ‘My accounts’ section.
3. Select ‘Total points balance’.
4. On the loyalty portal, select ‘Spend your points’.
5. Select ‘Hotels’ to choose the hotel and the number of hotel loyalty points you'd like to receive.
6. You’ll also need to include your hotel loyalty programme number to submit your request.

Can't convert your points online?

We’re keeping the phone lines free for those who need us the most, so please go online if possible.

If you can't use online banking or are experiencing technical issues with the site, you can call to redeem your points on 03457 70 70 70. Lines are open every day from 08:00 to 20:00.

Please have your card number to hand.