Comparison tables: Cards
Compare card features and benefits below. To find out more about the benefits described, please see the relevant card section.
If you're simply looking for a debit card, we offer sterling and US dollar debit cards with the Offshore Bank Account.
Click the 'plus' symbol or text for more information.
Click the 'plus' symbol or text for more information.
Mastercard Table | Sterling Credit Card | Premier Master Card | |
|---|---|---|
| Sterling | Yes | Yes |
| US dollars | No | No |
| Euro | No | No |
| Type of card | Credit card | Credit card |
| Typical APR | Typical 16.9% APR variable |
Typical 11.9% APR variable |
| Annual fee | – | – |
| HSBC International account required |
Offshore Bank Account | Premier Offshore Bank Account |
| Interest free credit |
Up to 56 days' interest free on purchases if you pay your whole balance in full and on time each month | Up to 56 days' interest free on purchases if you pay your whole balance in full and on time each month |
| Minimum credit limit | £2,000 | £5,000 |
| Cash machine withdrawal limit |
£300 daily* |
£2,000 daily* |
| Additional cards |
1 card For a family member |
1 card For a family member |
| Rewards Programme |
No | Membership of HSBC Rewards programme |
| INSURANCE | ||
| Complimentary worldwide travel insurance benefits |
No | No |
| TRAVEL | ||
| Travel arrangements and advice |
No | No |
| Concierge service |
No | HSBC Premier concierge service |
| Discounted flights |
No | No |
| Priority Pass – complimentary membership |
No | No |
| International Airline Programme | No | No |
| HOTELS & LEISURE | ||
| Membership of hotel programmes |
No | No |
| Hertz #1 Club® Gold – complimentary membership |
No | No |
| Avis complimentary membership of Avis Preferred Select Programme | No | No |
| Next steps |   |
|
* Charges apply for cash withdrawals
| American Express Green Card | American Express Gold Card |
American Express Platinum Card |
|
|---|---|---|---|
| Sterling | No | No | No |
| US dollars | Yes | Yes | Yes |
| Euro | Yes | Yes | Yes |
| Type of card | Charge card |
Charge card |
Charge card |
| Typical APR | – | – | – |
| Annual fee | Free for HSBC International customers | US$/€ 300 | US$/€ 550 |
| HSBC International account required |
Offshore Bank Account | Offshore Bank Account | Offshore Bank Account |
| Interest free credit |
N/A | N/A | N/A |
| Minimum credit limit | No pre-set limit4 | No pre-set limit4 | No pre-set limit4 |
| Cash machine withdrawal limit | US$/€1,000 every 7 days8 | US$/€1,000 every 7 days8 | US$/€2,000 every 7 days8 |
| Additional cards |
1 card For the main card holder |
1 card For the main card holder |
1 card For the main card holder(to separate business and personal expenses) 1 Platinum Card For partner 4 Gold or Green cards For a family member |
| Rewards Programme |
First year free enrolment to American Express Membership Rewards5 Programme. US$/€35.25 per year thereafter | Permanent complimentary enrolment to American Express Membership Rewards5 Programme | Permanent complimentary enrolment to American Express Membership Rewards5 Programme |
| INSURANCE | |||
| Complimentary worldwide travel insurance benefits3 |
Travel Accident Benefits* | For you, your partner, your children under 23 years and your primary Supplementary Cardmember | For you, your partner, your children, your Supplementary cardmembers, their partners and their children |
| TRAVEL | |||
| Travel arrangements and advice |
No | Yes | Yes |
| Concierge service |
No | No | American Express Platinum concierge service |
| Discounted flights |
Yes | Yes | Yes |
| Priority Pass – complimentary membership |
No | No | Free unlimited access to VIP airport lounges through Priority Pass for you and your Platinum Supplementary cardmember |
| International Airline Programme | Yes | Yes | Yes |
| HOTELS & LEISURE | |||
| Membership of hotel programmes |
Preferred Extras - Hotel Programme7 | Preferred Extras - Hotel Programme7 | Hilton HHonours® Gold VIP7 Starwood Preferred Guest® Gold Level7 Small Luxury Hotels Fine Hotels, Resorts and Spas |
| Hertz #1 Club® Gold – complimentary membership7 |
No | Yes | Yes |
| Avis complimentary membership of Avis Preferred Select Programme7 | No | No | Yes |
| Next steps | |
|
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* Does not replace travel insurance
Applicants must be aged 18 or over. Subject to status.
1. When spending and settling your monthly Card account in either US dollars or euros, depending on the Card you have chosen
2. The offer of a free Green US$ or Euro Card for life will cease if/when the Account is closed for any reason.
3. American Express Services Europe Limited ("AESEL") makes various benefits available to Cardmembers. These benefits derive from contracts which AESEL has made with third parties which AESEL is free to amend, extend or terminate at its sole discretion. These benefits do not form part of AESEL's contract with you but AESEL will aim to inform you 30 days in advance of any changes to the available benefits which may be to your detriment. One of the benefits currently available is the benefit of contracts of insurance made between AESEL and certain insurers, for example travel insurance benefits. You will lose these benefits if you cease to be a Cardmember. Exclusions apply. Full details of the insurance benefits currently available can be found in the Summary of Benefits document which will be provided with your Card. Please read this document to understand the limits and exclusions that may apply.
4. Provided the account is settled in full and on time each month, you can usually spend as much as you have shown us you can afford. Purchases are approved based on a variety of factors, including credit record, account history and personal resources. Proof of resources and security may be required
5. Points cannot be earned on the following charges: Cash Advances, American Express Travellers Cheque purchases, Foreign Exchange and Express Cash transactions and other Account Charges
6. Subject to cash availability, country limits and local currency regulations.
7. Terms and conditions apply for each individual partner program, are subject to change and space availability. Some partner programs require enrolment
8.A fee of US$/€4 or 4% of the amount of any cash withdrawal (whichever is greater).
The American Express Cards are issued by American Express Services Europe Limited. Registered Office: Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX. Registered in England and Wales with Number 1833139.
