HSBC Premier Credit Card. Dreams, and We’Re Here to Help You Navigate Your Full Life, Wherever That Leads You

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With no annual fee and a representative 18.9% APR variable, the Embrace HSBC Premier Credit Card is here to support your life full of life. a fuller life Representative example Our HSBC Premier Credit Card Based on an assumed credit limit of £1,200 our 18.9% p.a. is designed to meet the needs variable rate of purchase gives a representative rate of of your full life, bringing 18.9% APR variable.

you a world of opportunities, But that’s not all. At home and abroad, you’ll with our Reward have the reassurance of our global presence. Points programme Credit is subject to status and and HSBC Premier affordability. Terms and conditions Privileges. apply. Eligibility To be eligible to apply for an HSBC Premier Credit Card you need to be aged 18 or over, a UK resident and an HSBC Premier customer. HSBC Premier is available to you if you pay your annual income into your HSBC Premier Bank Account and either: ® have savings or investments of at least £50,000 with HSBC in the UK; or ® have an individual annual income of at least £75,000 and have one of the following products with HSBC in the UK: • a mortgage, an investment, life insurance or protection product.

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With no annual fee and a representative 18.9% APR variable, the HSBC Premier Credit Card is here to support your life full of life.

Representative example Based on an assumed credit limit of £1,200 our 18.9% p.a. variable rate of purchase gives a representative rate of 18.9% APR variable.

But that’s not all. At home and abroad, you’ll Or, if you qualify for HSBC Premier in have the reassurance of our global presence. another country. Credit is subject to status and For eligiblity purposes HSBC in the UK affordability. Terms and conditions includes the Channel Islands but excludes apply. M&S Bank, first direct and HSBC Expat. Eligibility For the second criteria, in the case of a joint account, at least one of the parties must To be eligible to apply for an HSBC Premier have an individual annual income of at least Credit Card you need to be aged 18 or over, £75,000. The investment, life insurance a UK resident and an HSBC Premier or protection products also include those customer. purchased through one of HSBC’s advisers. HSBC Premier is available to you if you pay If you’re not yet an HSBC Premier customer, your annual income into your HSBC Premier find out more about the Premier experience by: Bank Account and either: ® visiting your local branch ® have savings or investments of at least ® * £50,000 with HSBC in the UK; or calling us on 03457 70 70 70 (textphone 0800 028 0126) ® have an individual annual income of ® at least £75,000 and have one of the going online hsbc.co.uk/1/2/credit- following products with HSBC in the UK: cards/hsbc-premier-credit-card/ • a mortgage, an investment, life *Lines are open 24 hours a day, 365 days a year. insurance or protection product. To help us improve our service and in the interest of security we may monitor and/or record your call.

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HSBC Premier Credit Card Credit card offers – Your benefits at a glance

® Introductory offers ® Worldwide protection Interest-free purchases for 9 months1 Interest-free purchases for 9 months1 Replacement card within 36 hours With the HSBC Bank Premier Credit Card 0% interest on balance transfers for when abroad new cardholders get interest free purchases 18 months, 1.4% fee, minimum £5 ® Withdraw up to £1,000 cash per day for 9 months, helping you to embrace the Representative Example (fees will apply) challenges of your life full of life. At the end Based on an assumed credit limit of ® Advanced fraud detection systems of the 9 month promotional period purchases £1,200 our 18.9% p.a. variable rate for will revert to the standard variable rate. purchases gives a representative rate ® Online shopping made safer with of 18.9% APR variable. Mastercard Identity Check ® HSBC Premier Rewards Programme ® 24 hour HSBC Premier telephone banking service Earning you points on eligible spend Representative Example to redeem against vouchers, making ® Extended warranty Based on an assumed credit limit of £1,200 our 18.9% p.a. variable rate for purchases donations to worthy causes, and to use Enjoy up to 2 years extended warranty gives a representative rate of 18.9% APR variable. on our Rewards for Miles scheme on selected household appliances ® Travel Benefits 1 These introductory rates only apply if you haven’t held Including access to over 750 Airport an HSBC Credit Card within the last six months. Balances 1 These introductory rates only apply if you haven’t can’t be transferred from cards issued by other members Lounges for £20 per person per visit. held an HSBC Credit Card within the last six months. of the HSBC Group including first direct, M&S Financial Balances can’t be transferred from cards issued by Please refer to page 16 for further Services plc, John Lewis Financial Services Ltd. At the end other members of the HSBC Group including first direct, of the promotional period, balance transfers and purchases information Marks and Spencer Financial Services plc, John Lewis will revert to the standard variable rate. Financial Services Ltd. At the end of the promotional ® HSBC Premier Privileges period, balance transfers and purchases will revert to Credit is subject to status and affordability. Access to hand-picked special offers the standard variable rate. Credit is subject to status and Terms and conditions apply. affordability. Terms and conditions apply.

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Credit card offers

® Worldwide protection Interest-free purchases for 9 months1 0% interest on balance transfers Replacement card within 36 hours With the HSBC Bank Premier Credit Card for 18 months1 when abroad new cardholders get interest free purchases With the HSBC Bank Premier Credit Card, ® Withdraw up to £1,000 cash per day for 9 months, helping you to embrace the new cardholders get 0% interest on balance (fees will apply) challenges of your life full of life. At the end transfers for 18 months. To enjoy this ® Advanced fraud detection systems of the 9 month promotional period purchases introductory balance transfer offer, you will revert to the standard variable rate. ® Online shopping made safer with must transfer your balance within 60 days Mastercard Identity Check of account opening. A balance transfer fee of 1.4% or a £5 minimum, will apply. ® 24 hour HSBC Premier telephone banking service Representative Example ® Extended warranty Based on an assumed credit limit of £1,200 our 18.9% p.a. variable rate for purchases Enjoy up to 2 years extended warranty gives a representative rate of 18.9% APR variable. on selected household appliances

1 These introductory rates only apply if you haven’t held an HSBC Credit Card within the last six months. Balances 1 These introductory rates only apply if you haven’t can’t be transferred from cards issued by other members held an HSBC Credit Card within the last six months. of the HSBC Group including first direct, M&S Financial Balances can’t be transferred from cards issued by Services plc, John Lewis Financial Services Ltd. At the end other members of the HSBC Group including first direct, of the promotional period, balance transfers and purchases Marks and Spencer Financial Services plc, John Lewis will revert to the standard variable rate. Financial Services Ltd. At the end of the promotional period, balance transfers and purchases will revert to Credit is subject to status and affordability. the standard variable rate. Credit is subject to status and Terms and conditions apply. affordability. Terms and conditions apply.

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HSBC Premier Credit Card Rewards Live a full life around the world

We want to help you meet the needs of your full life whatever they may When your life is lived across borders, it’s full of more complexities be, so as well as offering you safety and security around the world, we and more responsibilities, but also more opportunities and more reward you every time you use your HSBC Premier Credit Card. dreams, and we’re here to help you navigate your full life, wherever that leads you. Representative 18.9% APR variable 1. HSBC Premier Rewards for Miles ® For every £1 of eligible spend*1 on your Want to see the world? Now it is closer So you will be able to collect Points on all credit card: you’ll earn one Reward than you think as you can redeem eligible spend which can then be redeemed Point if it’s in Sterling currency*2, or your Points for flights to a number of for airline frequent flyer miles (‘Miles’) with two Reward Points if it’s in non-Sterling destinations around the world with our our selected partners: currency*3. selected partner airlines. *1 Eligible spend excludes cash advances, balance transfers, cheques, refunds, interest or any other 2. Redeem your Points for vouchers charge. See HSBC Premier Reward Points Rules on pages 16 - 17 for further details. For retail vouchers from a selection of *2 See page 16 for further details on what transactions retailers including Amazon, Sainsbury’s are classed as Sterling currency. and M&S. *3 Non-Sterling transaction fees apply. Eligible spend*1 Eligible spend*1 Reward Points Airline Frequent Find out more on page 9. in Sterling OR in non-Sterling Earned Flyer Miles currency*2 currency 3. Exchange your Points £1,500 £750 1,500 750 for quality wine £3,000 £1,500 3,000 1,500 You can have a cause for celebration £15,000 £7,500 15,000 7,500 when you exchange your Points for a selection of quality wines and Champagne from Laithwaite’s Wines. Points can be redeemed for Rewards for Find out more on pages 10-11. Miles via Online Banking. 4. Donate your Points to Simply click: My Accounts > Premier Credit a worthy cause Card > Points balance in the right hand menu. If you prefer, you can contribute to a worthy cause by donating your Points to charity. Find out more on page 12. *1 Eligible spend excludes cash advances, balance transfers, cheques, refunds, interest or any other charge. See HSBC Premier Reward Points Rules on pages 16 - 17 for further details. *2 See page 16 for further details on which transactions are classed as Sterling currency. * Lines are open 24 hours a day, 365 days a year. To help us improve our service and in the interest of security we may monitor and/or record your call.

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HSBC Premier Credit Card Rewards Live a full life around the world

We want to help you meet the needs of your full life whatever they may When your life is lived across borders, it’s full of more complexities be, so as well as offering you safety and security around the world, we and more responsibilities, but also more opportunities and more reward you every time you use your HSBC Premier Credit Card. dreams, and we’re here to help you navigate your full life, wherever that leads you. 1. HSBC Premier Rewards for Miles Want to see the world? Now it is closer So you will be able to collect Points on all British Airways, Asia Miles, Singapore than you think as you can redeem eligible spend which can then be redeemed Airlines KrisFlyer and Etihad Guest. your Points for flights to a number of for airline frequent flyer miles (‘Miles’) with Two Points will get you one Mile. destinations around the world with our our selected partners: selected partner airlines. 2. Redeem your Points for vouchers For retail vouchers from a selection of retailers including Amazon, Sainsbury’s and M&S. Eligible spend*1 Eligible spend*1 Reward Points Airline Frequent Find out more on page 9. in Sterling OR in non-Sterling Earned Flyer Miles currency*2 currency 3. Exchange your Points £1,500 £750 1,500 750 for quality wine £3,000 £1,500 3,000 1,500 You can have a cause for celebration £15,000 £7,500 15,000 7,500 when you exchange your Points for a selection of quality wines and Champagne from Laithwaite’s Wines. Points can be redeemed for Rewards for Find out more on pages 10-11. Miles via Online Banking. 4. Donate your Points to Simply click: My Accounts > Premier Credit a worthy cause Card > Points balance in the right hand menu. If you prefer, you can contribute to a worthy cause by donating your Points to charity. Find out more on page 12. *1 Eligible spend excludes cash advances, balance transfers, cheques, refunds, interest or any other charge. See HSBC Premier Reward Points Rules on pages 16 - 17 for further details. *2 See page 16 for further details on which transactions are classed as Sterling currency. * Lines are open 24 hours a day, 365 days a year. To help us improve our service and in the interest of security we may monitor and/or record your call.

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Redeem your Points for vouchers

Embrace your life full of life. Choose the voucher denomination to match your need:

We have a range of voucher denominations to choose from and the minimum number of Reward Points you can redeem is 1,500 which gets you a £5 voucher.

Eligible spend*1 Eligible spend*1 Reward Points Value of in Sterling OR in non-Sterling Earned Reward Points currency*2 currency £1,500 £750 1,500 £5 £3,000 £1,500 3,000 £10 £15,000 £7,500 15,000 £50

For a full list of retailers or to order your vouchers, please login to Online Banking and select: My Accounts > Premier Credit Card > Points balance in the right hand menu.

*1 Eligible spend excludes cash advances, balance transfers, cheques, refunds, interest or any other charge. See HSBC Premier Reward Points Rules on pages 16 - 17 for further details. *2 See page 16 for further details on which transactions are classed as Sterling currency. * Lines are open 24 hours a day, 365 days a year. To help us improve our service and in the interest of security we may monitor and/or record your call.

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Redeem your Points for vouchers

Embrace your life full of life. Choose the voucher denomination to match your need:

We have a range of voucher denominations Peak time for vouchers requests is to choose from and the minimum number November and December. For vouchers of Reward Points you can redeem is 1,500 needed over this period, please give us as which gets you a £5 voucher. much notice as possible.

For a full list of retailers or to order your Customers who have additional accessibility vouchers, please login to Online Banking needs, or those who in exceptional and select: circumstances are experiencing a technical issue with the site, can call to redeem their My Accounts > Premier Credit Card > points on 03457 70 70 70. Points balance in the right hand menu.

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Exchange your Points for a selection of Laithwaite’s luxury wines

Just call Laithwaite’s on 03330 148 174* to order the selection that has whetted your palette or find out about more case options and quote HSBC and the first 6 digits of your card to start your order.

From rich, full-bodied red to crisp, ripe white, the refreshing sparkle of Champagne or something different from our selection of Spirits or craft beers. You can have a cause for celebration when you exchange your Points for a selection of quality wines from Laithwaite’s. Please note other products are available, please speak to our wine team to find out more Essentials Mixed Case 12 bottles on these. You can’t go wrong with this Essentials Mix of 12 bottles. Grab an ice bucket, some glasses and some great company, because that’s the Single Prosecco best way to enjoy these tasty whites including a couple of classically citrusy Italian blends and a As Decanter notes, at its best, ‘Prosecco caresses the palate in supercharged Australian Sauvignon Blanc blend. a way unmatched by other sparkling wines’. They don’t make We complete the mix with Chianti’s famous them any finer than award winning Ca’ Bolani. Oozing northern Sangiovese grape which is perfectly expressed Italian chic, it’s gentle, aromatic and slips down a treat. from a Decanter recommended family cellar alongside a Chilean Merlot and gently oaked Tempranillo with berry and spice scents.

Mixed Trio including Rose The Perfect Trio with exotic delights from the New World. Start with the Alma Andina, brimming with bright, fresh fruit and then try the lush Rose with all its summer fruit charm, and for the red a spicy Shiraz packed with ripe fruit.

HSBC Premier Range Points RRP Single Prosecco 5278 £19.98 Mixed Trio including Rose 8950 £34.46 Monkey Shoulder Blended Malt Scotch Whisky (70cl) Monkey Shoulder Blended Malt Scotch Whisky (70cl) 10850 £37.99 One day, Malt Master David Stewart decided to create the world’s Essentials Mixed Case 6 bottles 14125 £59.93 first ‘triple’ malt. Combining fantastic single malts from three of Essentials Mixed Case 12 bottles 26519 £111.87 Speyside’s finest distilleries, the result was a wonderfully smooth * Lines are open Weekdays: 8.30am to 7.30pm, Saturday: 9am to 6pm, Sunday: 10am to 4pm. Please note that this offer is only and mellow whisky. Monkey Shoulder was born. available in the UK (excluding the Channel Islands) and the Isle of Man. All images on this page are for illustrative purposes only.

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Essentials Mixed Case 6 bottles You can’t go wrong with this Essentials Mix. Grab an ice bucket, some glasses and some great company, because that’s the best way to enjoy these tasty whites including a couple of classically citrusy Italian blends and a supercharged Australian Sauvignon Blanc blend. We complete the mix with Chianti’s famous Sangiovese Just call Laithwaite’s on 03330 148 174* to order the selection that has grape which is perfectly expressed from a Decanter whetted your palette or find out about more case options and quote HSBC recommended family cellar alongside a Chilean Merlot and gently oaked Tempranillo with berry and spice scents. and the first 6 digits of your card to start your order.

From rich, full-bodied red to crisp, ripe white, the refreshing sparkle of Champagne or something different from our selection of Spirits or craft beers. You can have a cause for celebration when you exchange your Points for a selection of quality wines from Laithwaite’s. Please note other products are available, please speak to our wine team to find out more Essentials Mixed Case 12 bottles on these. You can’t go wrong with this Essentials Mix of 12 bottles. Grab an ice bucket, some glasses and some great company, because that’s the best way to enjoy these tasty whites including a couple of classically citrusy Italian blends and a supercharged Australian Sauvignon Blanc blend. We complete the mix with Chianti’s famous Sangiovese grape which is perfectly expressed from a Decanter recommended family cellar alongside a Chilean Merlot and gently oaked Tempranillo with berry and spice scents.

HSBC Premier Range Points RRP Single Prosecco 5278 £19.98 Mixed Trio including Rose 8950 £34.46 Monkey Shoulder Blended Malt Scotch Whisky (70cl) 10850 £37.99 Essentials Mixed Case 6 bottles 14125 £59.93 Essentials Mixed Case 12 bottles 26519 £111.87

* Lines are open Weekdays: 8.30am to 7.30pm, Saturday: 9am to 6pm, Sunday: 10am to 4pm. Please note that this offer is only available in the UK (excluding the Channel Islands) and the Isle of Man. All images on this page are for illustrative purposes only.

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Donate your Points to help Let your Points look others live a fuller life after themselves

Sometimes giving can feel as Every 1,500 Points you earn from using your If you’ve been tempted by some of the rewards that we have to offer card is worth £5 to a selection of charities good as receiving (if not better). all over the world. – and want us to send you vouchers automatically for your selected That’s why we give you the retailer, or donate to charity – simply tell us and we can redeem In order to provide a wide range of charities opportunity to donate your that our customers would choose to support your Points for you. Points and help others life and to ensure as many charities as possible have the opportunity to benefit from a full life. Automatic Redemption is a convenient our scheme, we may change the charity way of redeeming Points without having selection from time to time. Here’s some to claim them each time. Instead, you can of the vital work you could support: request to have your vouchers posted to you, or charity donations made, three times a year (every four months) provided you’ve accrued enough Points.

Age UK aims to improve later life for Alzheimer’s Society works to improve the everyone through their information and quality of life of people affected by dementia advice, campaigns, products, training in England, Wales and Northern Ireland. and research. alzheimers.org.uk ageuk.org.uk Registered Charity number: 296645 Registered Charity number: 1128267

WaterAid transforms lives by improving In 125 countries, SOS Children’s Villages, access to safe water, hygiene and sanitation the world’s largest orphan and abandoned in the world’s poorest communities, working children’s charity, provides a home and with partners and influencing decision- a family for children who have no one makers to maximise their impact. to care for them. wateraid.org soschildren.org Registered charity numbers 288701 (England and Wales) Registered Charity number: 1069204 and SC039479 (Scotland)

To donate your Points to a worthy cause call us on 03457 70 70 70*. You can also donate your Points through Online Banking at hsbc.co.uk/premier

* Lines are open 24 hours a day, 365 days a year. To help us improve our service and in the interest of security we may monitor and/or record your call.

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Let your Points look after themselves

Every 1,500 Points you earn from using your If you’ve been tempted by some of the rewards that we have to offer card is worth £5 to a selection of charities all over the world. – and want us to send you vouchers automatically for your selected retailer, or donate to charity – simply tell us and we can redeem In order to provide a wide range of charities that our customers would choose to support your Points for you. and to ensure as many charities as possible have the opportunity to benefit from Automatic Redemption is a convenient How it works our scheme, we may change the charity way of redeeming Points without having selection from time to time. Here’s some to claim them each time. Instead, you can You’ll continue to earn Points each month of the vital work you could support: request to have your vouchers posted to and they’ll still appear on your statement, you, or charity donations made, three times but in the month the auto redemption a year (every four months) provided you’ve is due, the accumulated Points will be accrued enough Points. automatically redeemed for your chosen voucher or charity donation. Alzheimer’s Society works to improve the To receive a £5 voucher or charity donation, quality of life of people affected by dementia you must earn and redeem a minimum of in England, Wales and Northern Ireland. 1,500 Points. You’ll automatically receive alzheimers.org.uk the appropriate number of vouchers, or Registered Charity number: 296645 an appropriate amount will be donated to charity, based on the number of Points you’ve earned. To make sure you claim your rewards call us on 03457 70 70 70. You can also set up Automatic Redemption In 125 countries, SOS Children’s Villages, through your Online Banking at the world’s largest orphan and abandoned hsbc.co.uk/premier. children’s charity, provides a home and Terms and conditions apply, please see a family for children who have no one page 16 for more information. to care for them. * Lines are open 24 hours a day, 365 days a year. To help soschildren.org us improve our service and in the interest of security we Registered Charity number: 1069204 may monitor and/or record your call.

To donate your Points to a worthy cause call us on 03457 70 70 70*. You can also donate your Points through Online Banking at hsbc.co.uk/premier

* Lines are open 24 hours a day, 365 days a year. To help us improve our service and in the interest of security we may monitor and/or record your call.

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A full life around the world HSBC Premier Privileges

The HSBC Premier Credit Card offers you travel benefits for Take advantage of this unique collection of special discounts wherever your life leads you and will help throughout your journey. and experiences hand-picked for our HSBC Premier Credit Card customers. Whether you’re travelling abroad or staying at home, Representative 18.9% APR variable there’s a vast range of offers to meet the needs of your full life, Airport Lounge Access Agoda Discount including travel, dining, health and beauty and shopping. As an HSBC Premier Credit Card holder, 10% discount on over 180,000 hotels To find out more about these benefits, you and your guests can access over 750 booked with your HSBC Premier Credit Airport Lounges around the world brought Card booked through agoda.com/ visit privileges.hsbcpremier.com to you by LoungeKey. Get away from the HSBCPremier. Terms and conditions apply. hustle and bustle of a busy airport and relax Worldwide protection whilst you enjoy a range of refreshments. Extended warranty If your HSBC Premier Credit Card is lost or Please note that lounges charge £20 per Feel protected knowing your household stolen when you’re abroad, we can arrange person per visit and each cardholder must goods are covered for two years with the an emergency replacement within 36 hours. present their card on arrival at the lounge. extended warranty benefit. From plasma Where there are no HSBC branches, we can All visits are subject to lounge availability. TVs to coffee makers, as a Premier Credit also arrange an emergency cash advance Terms and conditions apply. Card customer you’re entitled to a 2-year at 245,000 locations worldwide*1. Our extended warranty cover on up to three fraud detection systems identify overseas Expedia Savings household appliances. To take advantage transactions made on your card. of this offer, and enjoy knowing your items Receive a 10% discount on selected hotels are projected for longer, just use your HSBC booked with your HSBC Premier Credit Card You don’t have to tell us when Premier Credit Card when you purchase through expedia.co.uk/HSBCPremier. you’re going abroad a household appliance and register the Cardholders also benefit from 12 months’ item within 90 days. Register items online If we have any concerns about a transaction complimentary Expedia+ Gold Membership. or by calling 0800 169 1074. For more made using your card, we’ll get in touch Terms and conditions apply. information please visit our website. to check it’s genuine, so please make sure Terms and conditions apply. we have the correct mobile number and email address for you. If you need to update your mobile number or email address, or to check the one we have, log in to Online Banking and select ‘contact details’. Alternatively, call us on 03457 70 70 70, or come into a branch.

* Lines are open 24 hours a day, 365 days a year. To help us improve our service and in the interest of security we may monitor and/or record your call. *1 Non-Sterling transaction fees apply.

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HSBC Premier Privileges

The HSBC Premier Credit Card offers you travel benefits for Take advantage of this unique collection of special discounts wherever your life leads you and will help throughout your journey. and experiences hand-picked for our HSBC Premier Credit Card customers. Whether you’re travelling abroad or staying at home, Representative 18.9% APR variable there’s a vast range of offers to meet the needs of your full life, Agoda Discount including travel, dining, health and beauty and shopping. 10% discount on over 180,000 hotels To find out more about these benefits, booked with your HSBC Premier Credit Card booked through agoda.com/ visit privileges.hsbcpremier.com HSBCPremier. Terms and conditions apply. Worldwide protection Additional cards available Extended warranty If your HSBC Premier Credit Card is lost or Adding your partner, a family member or Feel protected knowing your household stolen when you’re abroad, we can arrange friend to your account is a simple way or goods are covered for two years with the an emergency replacement within 36 hours. friend here to get more from your HSBC extended warranty benefit. From plasma Where there are no HSBC branches, we can Premier Credit Card. TVs to coffee makers, as a Premier Credit also arrange an emergency cash advance Credit is subject to status and Card customer you’re entitled to a 2-year at 245,000 locations worldwide*1. Our affordability. extended warranty cover on up to three fraud detection systems identify overseas household appliances. To take advantage transactions made on your card. Terms and conditions apply. of this offer, and enjoy knowing your items are projected for longer, just use your HSBC You don’t have to tell us when ® Additional Cardholders will contribute to the overall HSBC Premier Reward Points Premier Credit Card when you purchase you’re going abroad a household appliance and register the earned (see page 6) which are added to item within 90 days. Register items online If we have any concerns about a transaction the main Cardholder’s balance. or by calling 0800 169 1074. For more made using your card, we’ll get in touch ® All transactions detailed on the main information please visit our website. to check it’s genuine, so please make sure Cardholder’s statement. Terms and conditions apply. we have the correct mobile number and email address for you. If you need to update ® Additional Cardholders must be aged your mobile number or email address, 18 or over. or to check the one we have, log in to The main Cardholder remains Online Banking and select ‘contact details’. responsible for all spending on the Alternatively, call us on 03457 70 70 70, or account made by the Additional come into a branch. Cardholder.

* Lines are open 24 hours a day, 365 days a year. To help us improve our service and in the interest of security we may monitor and/or record your call. *1 Non-Sterling transaction fees apply.

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HSBC Premier Credit Card 8. You can also redeem Points for items which we 17. Any income or other taxes and duties which will tell you about from time to time. Additional may become payable are your responsibility and Reward Points Rules terms and conditions may apply to some or all we make no representations regarding the current We have summarised information on your of the items and we will provide you with these or future tax implications of earning or using the HSBC Premier Reward Points (Points) for you when we detail the items available. Points under the programme. in the following Points Rules: 9. Points are redeemed by following the 18. We may, at any time, develop special Please note that all of the following rules apply instructions in the Reward Points brochure*. promotions where you may earn Points under to the Premier Credit Card alongside the HSBC 10. Points earned cannot be transferred to another different conditions. Points given under these Premier Credit Card Agreement Terms, plus any person. promotions will be referred to as Bonus Points additional terms we may have provided in relation and will have their conditions disclosed to the 11. If you choose to redeem Points for any item Participants. to your associated Premier card benefits. detailed in the Reward Points brochure* but do 1. You must hold an HSBC Premier Credit Card not have enough Points, we reserve the right to 19. We may terminate the programme at any time issued by HSBC UK Bank plc. No other cards charge you the retail price of the item to your card by giving you at least 30 working days written are eligible. or a combination of Points and cash. notice. You must use any outstanding Points within 30 working days of the termination date or 2. You will automatically earn Points according 12. Unless we inform you otherwise, items we will be entitled to deduct them all, leaving you to the amount you spend. Earn 1 point for every ordered will normally be delivered to the primary with a nil Points total. £1 (including any tax) of eligible spend in Sterling Cardholder’s main UK address, as appearing currency and earn 2 points for every £1 (including on the Statement, within 20 days. Most items 20. We reserve the right to terminate or suspend any tax) of eligible spend in non-Sterling currency ordered will be delivered free of any charge. A the Points programme and to deduct any Points (non-sterling transaction fees apply). Sterling charge may be made for delivery to non-mainland you have earned if you have not observed currency includes transactions made in the UK, UK addresses (including the Isle of Man) and these Rules, or you are in breach of your card Jersey, Guernsey and Isle of Man as well as we will notify you of this at the time of order, if agreement, or any other agreement with us, or transactions overseas where applicable. whilst your card account exceeds the agreed limit or payment is overdue. you choose to pay in Sterling rather than If any goods offered under the programme are local currency. unsuitable for delivery to your address, you will be 21. We may adjust your Points balance from time 3. Points will be earned for purchases of goods responsible for collecting the goods from such UK to time in the event that Points have been added or services, by you or any additional cardholder, address as we notify you. or removed in error. We will make the adjustment as soon as we reasonably can once we become using your HSBC Premier Credit Card (Eligible 13. All goods and services supplied will be Spending). Points will be earned on the amount aware of the error and this will be shown on covered by the manufacturer’s or suppliers your Statement. We are under no obligation to debited to your HSBC Premier Credit Card normal terms of business. Except where the law account in pounds sterling for all Eligible honour any Points which have not been earned in provides otherwise, we will not be responsible for accordance with these Rules. Spending. the quality or suitability of the goods or services, 4. The following items do not count as Eligible or for any delay in delivery. You should take up any 22. In the event of your death, your nominated Spending: interest, late payment charges or complaint by telephoning the number shown in additional cardholder is the only person who can any other charges added to your statement; the Reward Points brochure* for your requested use the Points you have earned, subject to some Cardholder Repayment Protector insurance item or by contacting us on 03457 70 70 70. exceptions, please refer to any additional terms for details. premiums charged to your account; cash 14. If your account is closed, no further Points advances including foreign money and travellers will be earned. All remaining Points must be 23. We will only investigate queries concerning cheque purchases; any balances from other redeemed within 30 working days of closure. We Points earned, Points used or other matters credit or charge cards which are transferred reserve the right to deduct any Points left at the affecting your Points total, communicated to us to your card; ATM withdrawals and gambling end of this period. If you have chosen to redeem within three months of the date of the statement, transactions. Points automatically, this will happen at that time. which relates to the enquiry. 5. Your HSBC Premier Credit Card statements If we close your account, we may ask you to use 24. We may vary these rules at our discretion by (Statement) will show Points earned during the your Points within 30 days of us advising you of giving you at least 30 working days written notice, Statement period. Points relating to any refunds the account closure. which includes statement messages. will be deducted. Points can be redeemed after 15. Where the card facility has been withdrawn 25. Where we are affected by circumstances they are shown on your Statement. as a result of you breaking the terms of your card beyond our reasonable control, we reserve the 6. A total of the Points earned, Points redeemed agreement with us, we will be entitled to deduct right to withdraw at any time and without notice, and Points deducted will appear on each all Points, leaving you with a nil Points total. any items shown in the Reward Points brochure*, Statement issued. When redeeming your Points, 16. We may at our discretion change the number change the Points value and/ or the Points plus we will deduct the Points earned by date order of Points you earn for your Eligible Spending or cash price of items. Where we choose to make so that the earliest accrued Points will be the period during which you must use your Points, such changes and these are within our control, redeemed first. by giving you at least 30 days written notice, we will give you at least 30 working days written 7. Points can be redeemed for up to three years which includes statement messages. notice, which includes statement messages. from the month that they are first shown on your The HSBC Premier Credit Card Reward Points Statement. After that they will expire and be are provided and administered by Card Service deducted on a monthly basis and you will lose the Delivery, Customer Service Centre, BX8 2HB. benefits of these Points.

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8. You can also redeem Points for items which we 17. Any income or other taxes and duties which 26. HSBC Premier Reward Points can be will tell you about from time to time. Additional may become payable are your responsibility and redeemed for Miles via Online Banking. These terms and conditions may apply to some or all we make no representations regarding the current are redeemed at a rate of two Points for one of the items and we will provide you with these or future tax implications of earning or using the ‘Mile’. We reserve the right to make changes to when we detail the items available. Points under the programme. the Rewards for Miles programme at any time by 9. Points are redeemed by following the 18. We may, at any time, develop special giving you at least 30 working days written notice. instructions in the Reward Points brochure*. promotions where you may earn Points under Please review the Rewards for Miles Terms different conditions. Points given under these and Conditions for further information at 10. Points earned cannot be transferred to another hsbc.co.uk/content/dam/hsbc/gb/pdf/reward- person. promotions will be referred to as Bonus Points and will have their conditions disclosed to the for-miles-terms-and-conditions.pdf. In the 11. If you choose to redeem Points for any item Participants. event of any conflict between the Rewards for detailed in the Reward Points brochure* but do Miles Terms and the Rules, the Rules will apply. not have enough Points, we reserve the right to 19. We may terminate the programme at any time by giving you at least 30 working days written *The latest version of the HSBC Premier Credit charge you the retail price of the item to your card Card Reward Points brochure can be found at or a combination of Points and cash. notice. You must use any outstanding Points within 30 working days of the termination date or hsbc.co.uk/credit-cards/products/premier/. 12. Unless we inform you otherwise, items we will be entitled to deduct them all, leaving you ordered will normally be delivered to the primary with a nil Points total. Laithwaite’s Offer Terms Cardholder’s main UK address, as appearing on the Statement, within 20 days. Most items 20. We reserve the right to terminate or suspend and Conditions the Points programme and to deduct any Points ordered will be delivered free of any charge. A 1. The Laithwaite’s options shown in this brochure you have earned if you have not observed charge may be made for delivery to non-mainland are correct as at 01/08/2020. UK addresses (including the Isle of Man) and these Rules, or you are in breach of your card 2. Recipients must be 18 years old or over. we will notify you of this at the time of order, if agreement, or any other agreement with us, or applicable. whilst your card account exceeds the agreed limit 3. In the unlikely event of a wine becoming or payment is overdue. unavailable, a substitute of similar style and of If any goods offered under the programme are equal or greater value will be supplied. unsuitable for delivery to your address, you will be 21. We may adjust your Points balance from time responsible for collecting the goods from such UK to time in the event that Points have been added 4. Please allow five days for delivery (Offshore address as we notify you. or removed in error. We will make the adjustment islands, Northern Ireland, Scottish Highlands and as soon as we reasonably can once we become some other areas of Scotland may take a few 13. All goods and services supplied will be aware of the error and this will be shown on days more) covered by the manufacturer’s or suppliers your Statement. We are under no obligation to 5. UK addresses only, excluding Channel Islands. normal terms of business. Except where the law honour any Points which have not been earned in Service provided by Direct Wines Ltd, New provides otherwise, we will not be responsible for accordance with these Rules. the quality or suitability of the goods or services, Aquitaine House, Exeter Way, Theale, or for any delay in delivery. You should take up any 22. In the event of your death, your nominated Reading RG7 4PL. Laithwaite’s (the suppliers) complaint by telephoning the number shown in additional cardholder is the only person who can are not agents of HSBC UK Bank plc. We make the Reward Points brochure* for your requested use the Points you have earned, subject to some no representation about them and do not accept item or by contacting us on 03457 70 70 70. exceptions, please refer to any additional terms responsibility for the service provided by our for details. suppliers or manner of its provision. 14. If your account is closed, no further Points will be earned. All remaining Points must be 23. We will only investigate queries concerning The Rewards options shown in this brochure redeemed within 30 working days of closure. We Points earned, Points used or other matters are correct as at 1 August 2020. The latest reserve the right to deduct any Points left at the affecting your Points total, communicated to us version of the Rewards brochure can be found at end of this period. If you have chosen to redeem within three months of the date of the statement, hsbc.co.uk/credit-cards/products/premier/. Points automatically, this will happen at that time. which relates to the enquiry. If we close your account, we may ask you to use 24. We may vary these rules at our discretion by your Points within 30 days of us advising you of giving you at least 30 working days written notice, the account closure. which includes statement messages. 15. Where the card facility has been withdrawn 25. Where we are affected by circumstances as a result of you breaking the terms of your card beyond our reasonable control, we reserve the agreement with us, we will be entitled to deduct right to withdraw at any time and without notice, all Points, leaving you with a nil Points total. any items shown in the Reward Points brochure*, 16. We may at our discretion change the number change the Points value and/ or the Points plus of Points you earn for your Eligible Spending or cash price of items. Where we choose to make the period during which you must use your Points, such changes and these are within our control, by giving you at least 30 days written notice, we will give you at least 30 working days written which includes statement messages. notice, which includes statement messages. The HSBC Premier Credit Card Reward Points are provided and administered by Card Service Delivery, Customer Service Centre, BX8 2HB.

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LoungeKeyTM Airport Lounge 12. HSBC and LoungeKey will not be liable to Agoda 10% Hotel Discount you and/or any third party for compensation or Access Terms and Conditions damages of any sort as a result of a termination of (the “Promotion”) (“LoungeKey”) the LoungeKey service which occurs as a result of 1. You must hold a valid HSBC Premier Credit a) the termination of your HSBC Premier Credit Card issued by HSBC UK Bank plc. No other cards 1. You must hold a valid HSBC Premier Credit Card agreement; or are eligible. Card issued by HSBC UK Bank plc. No other cards are eligible. b) the termination of the agreement between 2. Reservations must be made directly through HSBC and LoungeKey to provide airport lounge agoda.com/HSBCPremier. Any bookings made 2. Each Primary and Additional HSBC Premier access as an HSBC Premier customer benefit, in outside this will not have the discount applied. Credit Cardholder is entitled to access accordance with these terms. participating LoungeKey Airport Lounges at 3. The Promotion is only valid for hotels that have the current cost of £20 per person, per visit (or 13. Any lost, stolen or damaged HSBC Premier the “Promotion Eligible” banner on the search equivalent overseas value). Credit Cards must be notified to HSBC UK results page and “Post Pay” and “Pay Later” Bank plc on the 24 hour telephone number 03456 room types only. Rooms that have the “Pay at the 3. Visit charges for accompanying guests will be 007 010 (textphone 03457 125 563) or +44 Hotel” flag do not qualify for the Promotion. debited to your HSBC Premier Credit Card. Visits 1792 494 394 (textphone +44 1792 494 394) are currently charged at £20 per person, per visit 4. The Promotion discount is applicable to hotel from abroad. (address: Card Service Delivery, (or equivalent overseas value). room charges only (excluding local taxes, service Customer Service Centre, BX8 2HB) who shall fees and additional charges) 4. In order to provide your membership with be responsible for providing a replacement. HSBC The LoungeKeyTM Airport Lounge Program shall not be liable for any inability of a LoungeKey 5. The Promotion is non-transferable, non- (LoungeKey), we will share specific information customer to access any LoungeKey lounge during cumulative, cannot be exchanged for cash or about you with LoungeKey. any period that any HSBC Premier Credit Card is other products and cannot be used in conjunction with any other discount or promotions (unless 5. We may vary these terms, including the being replaced. specified). lounge visit charges, or terminate the facility at 14. By participating in the LoungeKey program, our discretion at any time by giving you at least the cardholder consents to any personal data 6. Discount will show on the booking form of the 30 days’ notice. We will do this by including a being used in accordance with the LoungeKey Promotion landing page after entering a valid message in your monthly statement, by writing to Privacy Policy available at loungeKey.com or HSBC Premier Credit Card number and a selected or emailing you. available on written request to LoungeKey at pre-paid hotel option is selected. 6. The cost must be paid using the HSBC Premier Cutlers Exchange, 123 Houndsditch, London 7. Offers are subject to availability and you must Credit Card. EC3A 7BU, UK. present your valid HSBC Premier Credit Card upon arrival. 7. Access to the lounges for children and the fees 15. By using LoungeKey, each Cardholder agrees for such visits varies across the lounges and the to and accepts the LoungeKey Conditions of Use. 8. Agoda reserves the right to launch selected LoungeKey customer is advised to check the The Conditions of use and additional information and temporary “tactical offers” at higher discount individual lounge description before travelling. can be found online at loungekey.com/ levels for selected countries. HSBCUKPremier. The LoungeKey Conditions 8. Use of LoungeKey is not transferrable and 9. We may vary these terms at our discretion or of Use will prevail over any other terms and LoungeKey customers may only use LoungeKey terminate the facility at any time by giving you at conditions provided to you in relation to the use of whilst holding a valid HSBC Premier Credit least 30 days’ notice. We will do this by including LoungeKey. Card unless notified otherwise. The LoungeKey a message in your monthly statement, by writing program may not be used by any person other 16. LoungeKey reserves the right at all times to or emailing you separately. than the eligible LoungeKey customer. to make any changes to the Conditions of Use subject to giving you reasonable notice, via HSBC, 9. Admittance to a participating lounge is as appropriate in the circumstances. conditional upon presentation of an eligible HSBC Premier Credit Card, together with a form of personal identification such as a passport, national identity card or driving licence. 10. In the event that you cancel your HSBC Premier Credit Card, LoungeKey access will be cancelled from the effective date of that cancellation. 11. HSBC and LoungeKey will not be liable to you and/or any third party for compensation or damages once you and/or any third party have been admitted to a participating lounge provided by the LoungeKey Airport Lounge Access service.

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12. HSBC and LoungeKey will not be liable to Agoda 10% Hotel Discount Expedia 10% Hotel Discount you and/or any third party for compensation or damages of any sort as a result of a termination of (the “Promotion”) 1. To use this offer, you must visitexpedia.co.uk/ HSBCPremier and either register as a new the LoungeKey service which occurs as a result of 1. You must hold a valid HSBC Premier Credit user with Expedia or sign-in with details of your a) the termination of your HSBC Premier Credit Card issued by HSBC UK Bank plc. No other cards existing Expedia account. To confirm eligibility, Card agreement; or are eligible. you will be required to enter your HSBC Premier b) the termination of the agreement between 2. Reservations must be made directly through Credit Card number which Expedia will use to HSBC and LoungeKey to provide airport lounge agoda.com/HSBCPremier. Any bookings made authenticate you. access as an HSBC Premier customer benefit, in outside this will not have the discount applied. 2. If a booking is made directly through the accordance with these terms. 3. The Promotion is only valid for hotels that have Expedia website, without first logging in with 13. Any lost, stolen or damaged HSBC Premier the “Promotion Eligible” banner on the search a HSBC registered Expedia account, no HSBC Credit Cards must be notified to HSBC UK results page and “Post Pay” and “Pay Later” discount will be offered and no refund will be Bank plc on the 24 hour telephone number 03456 room types only. Rooms that have the “Pay at the arranged. 007 010 (textphone 03457 125 563) or +44 Hotel” flag do not qualify for the Promotion. 3. This offer is only applicable to selected pre-paid 1792 494 394 (textphone +44 1792 494 394) 4. The Promotion discount is applicable to hotel hotels, room types and destinations. Please refer from abroad. (address: Card Service Delivery, room charges only (excluding local taxes, service to the booking conditions on Expedia’s website Customer Service Centre, BX8 2HB) who shall fees and additional charges) expedia.co.uk/HSBCPremier for full details. be responsible for providing a replacement. HSBC shall not be liable for any inability of a LoungeKey 5. The Promotion is non-transferable, non- 4. The offer can only be used when payment customer to access any LoungeKey lounge during cumulative, cannot be exchanged for cash or for the hotel is made at the time of booking. No any period that any HSBC Premier Credit Card is other products and cannot be used in conjunction discount is provided for bookings where payment being replaced. with any other discount or promotions (unless is made when arriving or checking out of the specified). hotel. 14. By participating in the LoungeKey program, the cardholder consents to any personal data 6. Discount will show on the booking form of the 5. Discount will show on the booking form once being used in accordance with the LoungeKey Promotion landing page after entering a valid you have input the HSBC credit card number for Privacy Policy available at loungeKey.com or HSBC Premier Credit Card number and a selected the selected pre-paid hotel. pre-paid hotel option is selected. available on written request to LoungeKey at 6. Offers are applicable to hotel room charges Cutlers Exchange, 123 Houndsditch, London 7. Offers are subject to availability and you must only. Local government taxes and service charges EC3A 7BU, UK. present your valid HSBC Premier Credit Card upon may apply. arrival. 15. By using LoungeKey, each Cardholder agrees 7. Offers are subject to availability and you must to and accepts the LoungeKey Conditions of Use. 8. Agoda reserves the right to launch selected present your valid HSBC credit card upon arrival. The Conditions of use and additional information and temporary “tactical offers” at higher discount 8. Other restrictions may apply. Please refer to the can be found online at loungekey.com/ levels for selected countries. booking conditions on Expedia’s website. HSBCUKPremier. The LoungeKey Conditions 9. We may vary these terms at our discretion or of Use will prevail over any other terms and terminate the facility at any time by giving you at conditions provided to you in relation to the use of least 30 days’ notice. We will do this by including LoungeKey. a message in your monthly statement, by writing 16. LoungeKey reserves the right at all times to or emailing you separately. to make any changes to the Conditions of Use subject to giving you reasonable notice, via HSBC, as appropriate in the circumstances.

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Expedia+ Gold Status HSBC Premier Credit Card Summary 1. On confirmation of eligibility, you will The information contained in this table summarises key product features and is not intended to automatically become an Expedia+ Gold Status replace any Agreement Terms. member which will be valid for 12 calendar months from the date of registration. 2. During the Expedia+ Gold Status period, you Representative 18.9% APR variable must be signed into your Expedia account to APR benefit from Expedia+ Gold Status. Interest rates Introductory Rate* Monthly Rate Annual Rate Purchases 0% on purchases for 1.456% 18.9% Extended Warranty 9 months from account 1. Extended Warranty cover is subject to policy opening terms and conditions. Appliances must have been Cash advances n/a 1.456% 18.9% purchased using your Premier Credit Card and Balance transfers 0% on balance 1.456% 18.9% registered within 90 days. Register up to 3 items transfers made within (6 if joint card is held) per calendar year. Cover is 60 days of account provided by Domestic & General Insurance plc opening for 18 months and is only available to residents of the UK. from the date of transfer *These introductory rates only apply if you haven’t held an HSBC credit card within the last 6 months. Interest-free Maximum 56 days for purchases if you pay your transaction balance (the amount period you owe excluding any instalment plan) in full and on time. If you have an instalment plan, you’ll also need to pay the monthly instalment and fee. Interest charging We won’t charge interest on any purchases shown in a statement if you pay the full information transaction balance and any monthly instalment plan payments by the payment due date. Otherwise, the period over which interest is charged will be: Purchases, cash advances From Until and balance transfers Date charged to your account Paid in full Allocation of We apply your payments in a certain order if the amount you pay in a month is less payments than the full amount you owe. We explain the order below. (1) To any overdue minimum payments (we call these ‘arrears’) (2) To the minimum payment for that month (3) To any monthly instalment (or instalments) and instalment plan fees (4) To the rest of the transaction balance. You can find that amount in your statement (5) To any transactions, interest or charges that haven’t yet been included in your statement (6) To any instalment plan balances that are left. In each case we apply payments first to amounts that we charge the highest interest rate on before we apply them to amounts charged at lower rates or zero interest. We always pay off interest and charges first. Sometimes amounts are charged at the same interest rate. If that’s the case, we’ll apply your payment to the oldest amounts first. If you have more than one instalment plan we’ll apply the payment against them in the order they were added to the account, starting with the plan that has been on the account longest.

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HSBC Premier Credit Card Summary The information contained in this table summarises key product features and is not intended to replace any Agreement Terms.

APR Representative 18.9% APR variable Interest rates Introductory Rate* Monthly Rate Annual Rate Purchases 0% on purchases for 1.456% 18.9% 9 months from account opening Cash advances n/a 1.456% 18.9% Balance transfers 0% on balance 1.456% 18.9% transfers made within 60 days of account opening for 18 months from the date of transfer *These introductory rates only apply if you haven’t held an HSBC credit card within the last 6 months. Interest-free Maximum 56 days for purchases if you pay your transaction balance (the amount period you owe excluding any instalment plan) in full and on time. If you have an instalment plan, you’ll also need to pay the monthly instalment and fee. Interest charging We won’t charge interest on any purchases shown in a statement if you pay the full information transaction balance and any monthly instalment plan payments by the payment due date. Otherwise, the period over which interest is charged will be: Purchases, cash advances From Until and balance transfers Date charged to your account Paid in full Allocation of We apply your payments in a certain order if the amount you pay in a month is less payments than the full amount you owe. We explain the order below. (1) To any overdue minimum payments (we call these ‘arrears’) (2) To the minimum payment for that month (3) To any monthly instalment (or instalments) and instalment plan fees (4) To the rest of the transaction balance. You can find that amount in your statement (5) To any transactions, interest or charges that haven’t yet been included in your statement (6) To any instalment plan balances that are left. In each case we apply payments first to amounts that we charge the highest interest rate on before we apply them to amounts charged at lower rates or zero interest. We always pay off interest and charges first. Sometimes amounts are charged at the same interest rate. If that’s the case, we’ll apply your payment to the oldest amounts first. If you have more than one instalment plan we’ll apply the payment against them in the order they were added to the account, starting with the plan that has been on the account longest.

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HSBC Premier Credit Card Summary (continued) Repayments The information contained in this table summarises key product features and is not intended Minimum We explain below how we work out the amount of your minimum payment. It’ll be repayment the highest amount that we work out from the three options below: to replace any Agreement Terms. A. The total amount of: (a) interest added to the account since your last statement; plus Illustrative example For a purchase of £1,000 on your HSBC Premier Credit Card (b) any default charges (this is a charge that applies where you’ve broken the (includes introductory rates) agreement, for example, you pay late); plus Monthly Payment Minimum payment £50 payment each £100 payment (c) 1% of the rest of the amount you owe. each month month each month B. 2.5% of the full amount you owe. Taking into account introductory C. £5. rates, how much interest will £35.40 £23.17 £2.93 you be charged in the first year? Credit limit Minimum credit limit £1,500 How much interest will you be £130.72 £35.30 £0.00 Maximum credit limit Subject to status charged in the second year? Fees No annual fee How long would it take to clear 17 years, 1 month 1 year, 10 months 11 months Charges Cash Fee 2.99% of the cash or cash-related payment (minimum £3) the balance? Balance transfers 1.4% fee (minimum £5) of each balance transferred within The above example assumes that: 60 days of account opening. • you make the transaction on 1 January and you make no further transactions; The charge for balances transferred after 60 days from account opening will be set out if we send you an offer for • you always make the payment on the 15th; a balance transfer. • your statement is produced 31 days after you make the purchase; Instalment plans Before you take out an instalment plan, we'll tell you the • interest is calculated based on the representative 18.9% APR variable and introductory rates are fees that apply. included. Foreign Usage Payment Scheme Rates can be found at: Exchange Rate mastercard.co.uk/en-gb/consumers/get-support/ convert-currency.html We recommend that you pay more than the One or more of the following may apply: minimum payment if you can. If you make Non-Sterling 2.99% of the transaction amount in Sterling (rather than the only the minimum payment each month, it Transaction Fee currency of the transaction) will take you longer and cost you more to Cash Fee 2.99% of the cash or cash-related payment (minimum £3) clear your balance. This is shown in the Default fees If you’re late making the £12 example above. minimum payment If you’re over your credit £12 limit (even if we’ve allowed you to go over) If a payment is returned £5 unpaid If we need to enforce Our reasonable costs repayment, including legal and tracing costs

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HSBC Premier Credit Card Summary (continued) Repayments The information contained in this table summarises key product features and is not intended Minimum We explain below how we work out the amount of your minimum payment. It’ll be repayment the highest amount that we work out from the three options below: to replace any Agreement Terms. A. The total amount of: (a) interest added to the account since your last statement; plus Illustrative example For a purchase of £1,000 on your HSBC Premier Credit Card (b) any default charges (this is a charge that applies where you’ve broken the (includes introductory rates) agreement, for example, you pay late); plus Monthly Payment Minimum payment £50 payment each £100 payment (c) 1% of the rest of the amount you owe. each month month each month B. 2.5% of the full amount you owe. Taking into account introductory C. £5. rates, how much interest will £35.40 £23.17 £2.93 you be charged in the first year? Credit limit Minimum credit limit £1,500 How much interest will you be £130.72 £35.30 £0.00 Maximum credit limit Subject to status charged in the second year? Fees No annual fee How long would it take to clear 17 years, 1 month 1 year, 10 months 11 months Charges Cash Fee 2.99% of the cash or cash-related payment (minimum £3) the balance? Balance transfers 1.4% fee (minimum £5) of each balance transferred within The above example assumes that: 60 days of account opening. • you make the transaction on 1 January and you make no further transactions; The charge for balances transferred after 60 days from account opening will be set out if we send you an offer for • you always make the payment on the 15th; a balance transfer. • your statement is produced 31 days after you make the purchase; Instalment plans Before you take out an instalment plan, we'll tell you the • interest is calculated based on the representative 18.9% APR variable and introductory rates are fees that apply. included. Foreign Usage Payment Scheme Rates can be found at: Exchange Rate mastercard.co.uk/en-gb/consumers/get-support/ convert-currency.html We recommend that you pay more than the One or more of the following may apply: Recurring Transaction minimum payment if you can. If you make A recurring transaction (sometimes called a Non-Sterling 2.99% of the transaction amount in Sterling (rather than the only the minimum payment each month, it Transaction Fee currency of the transaction) continuous payment authority) is a series of will take you longer and cost you more to payments you agree to be collected from Cash Fee 2.99% of the cash or cash-related payment (minimum £3) clear your balance. This is shown in the your card by a retailer or supplier (for Default fees If you’re late making the £12 example above. minimum payment example, insurance cover). You’ll have an agreement between you and the retailer. If you’re over your credit £12 limit (even if we’ve The Direct Debit Guarantee doesn’t cover allowed you to go over) these transactions. If a payment is returned £5 unpaid If we need to enforce Our reasonable costs repayment, including legal and tracing costs

HSB-RFB1536-MCP55626.indd 23 06/04/2021 09:27 Accessibility To find out more about our accessible services please visit hsbc.co.uk/accessibility or ask at any of our branches. If you’d like this document in another format such as large print, Braille or audio, you can request this by chatting with one of our agents using our Chat service, visiting your local branch or contacting our Telephone Banking Team. If you require a textphone service you can download the UK Relay App and call our customer services team on 03457 404 404 (+44 1226 261 010 from outside the UK). HSBC Premier customers can call 03457 70 70 70 (+44 1226 260 260 from outside the UK). If you have a textphone, you can dial the prefix 18001 followed by our customer services telephone number. BSL Video Relay Service is also available (Monday-Friday 8am-6pm, excluding Bank and Public Holidays) at hsbc.co.uk/accessibility.

HSBC UK Bank plc. Registered in England and Wales with number 09928412. Registered Office: 1 Centenary Square, Birmingham, B1 1HQ, United Kingdom. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 765112.

Customer information: Customer Service Centre, BX8 2HB

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