How To Redeem Your HSBC Rewards Credit Card Points

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Rewards Credit Card
Collecting and redeeming reward points

Let your purchases pay you back

Collecting and spending reward points is what your Rewards Credit Card is all about. Register with the Mastercard Pay with Rewards app or website, then use your points to save money on whatever you fancy.

They’re your points. Enjoy them your way.

How to get started

Watch our quick-start guide

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How to collect reward points

There’s nothing to it. Every time you make a purchase¹ using your HSBC Rewards Credit Card, you’ll automatically collect reward points. 100 points equals £1.

Collect points when you spend

You’ll collect 1 reward point for every £5 you spend on your card, online or in store.

£5 spent = 1 point

Get extra points at selected merchants

Earn up to 10 points for every £1 you spend at selected stores, including Groupon, Sweaty Betty and Urban Outfitters.

Log on to Mastercard Pay with Rewards for a full list of stores.

£1 spent = Up to 10 points

Enjoy bonus points too

When you make your first purchase you’ll receive 2,500 bonus points (worth £25). You’ll also receive the same number of bonus points if you spend £10,000 or more on your card in a year.²

2,500 points per bonus

How to redeem your reward points

To get started, register with Mastercard Pay with Rewards via the app or website. Then you can use your points to save money on whatever you want, whenever you want, online or in stores.

1. Log on to Pay with Rewards

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

2. Turn on 'Next purchase'

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

Don’t worry if you forget to do this. You can use your points against purchases you’ve made in the past 7 days.

3. Use your card as usual

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

Get started now

Register with Mastercard Pay with Rewards

Got your card? Register with Mastercard Pay with Rewards and start using your reward points right away:

check your reward points balance, 24/7
see which merchants are offering extra reward points
redeem your reward points whenever you want

Download the app today

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Pay with rewards Download on the app store

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Prefer to use the website? Register here

Pay with Rewards FAQs

You can apply for a Rewards Credit Card if you’re 18 or older, live in the UK and have an annual income of £6,800 or more (before tax).

You’ll also need to have either:

an HSBC Advance Bank Account
paid at least £1,750 a month (or a total of at least £10,500) into an HSBC Bank Account or HSBC Premier Bank Account over the past 6 months.

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¹ You’ll earn reward points for any purchases you make with your card. However, you won’t earn reward points on the following things: ATM cash withdrawals; cash advances or cash related payments; balance transfer transactions; tax payment transactions; or any fees or charges incurred through using your credit card.

² To get these ‘anniversary’ bonus points, you’ll need to make £10,000+ worth of eligible spending in a 12 month period, which starts from the date you opened your credit card account. ‘Eligible spending’ means all purchases with the exclusion of the following things: ATM cash withdrawals; cash advances or cash related payments; balance transfer transactions; tax payment transactions; or any fees or charges incurred through using your credit card. You can earn anniversary bonus points for each of the first 5 years you have your card. They are paid on the anniversary date of when you opened your account.

Using your Rewards Credit Card