HSBC Premier Credit Card.

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HSBC PremierCredit Card.HSBC Premier Points1

Looking for a good reasonto use your HSBC PremierCredit Card?2

here are four!As well as offering you safety and security around the world, we reward you every time youuse your HSBC Premier Credit Card.For every 1 of eligible spend*1 on yourcredit card: you’ll earn one HSBC PremierReward Point if it’s in Sterling currency*2,or two HSBC Premier Reward Points if it’sin non-Sterling currency.*1 Eligible spend excludes cash advances,balance transfers, cheques, refunds, interest orany other charge. See HSBC Premier RewardPoints Rules on pages 14 - 15 for further details.*2 See page 14 for further details on whattransactions are classed as Sterling currency.1. HSBC Premier Rewards for Miles Want to see the world? Now it is closerthan you think as you can redeemyour Points for flights to a number ofdestinations around the world with ourselected partner airlines.See page 4 for more information.2. Redeem your Points for shoppingvouchers If something has caught your eye inMarks & Spencer, Debenhams or onAmazon.co.uk, you can redeem yourPoints for shopping vouchers from arange of stores.Find out more on page 7.3. Exchange your Points for quality wine You can have a cause for celebrationwhen you exchange your Pointsfor a selection of quality wines andChampagne from Laithwaite’s Wines.Find out more on pages 8 -10.4. Donate your Points to a worthy cause If you prefer, you can contribute to aworthy cause by donating your Pointsto charity.Find out more on page 12.3

HSBC Premier Rewards for MilesGet closer to the worldYou will be able to collect Points on all Eligible Spend which canthen be redeemed for airline frequent flyer miles (‘Miles’) withour selected partners: British Airways, Asia Miles, SingaporeAirlines, KrisFlyer, and Etihad Guest.Two Points will get you one Mile.}}Eligible spend*1 inSterling currency*2Eligible spend*1in non-SterlingcurrencyPremier PointsEarnedAirline FrequentFlyer Miles 1,500 7501,500750 3,000 1,5003,0001,500 15,000 7,50015,0007,500OR*1 Eligible spend excludes cash advances, balance transfers, cheques, refunds, interest or anyother charge. See HSBC Premier Reward Points Rules on pages 14 - 15 for further details.*2 See page 14 for further details on what transactions are classed as Sterling currency.HSBC Premier Reward Points can be redeemed for Rewards for Miles via OnlineBanking. To find out more about HSBC Premier Rewards for Miles and our selectedpartners, please visit www.hsbc.co.uk/miles.4

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Redeem your Pointsfor shopping vouchersTreat yourself with shopping vouchersShopping vouchers come in three denominations: 5, 15 and 25 and the minimum number of Points you can redeem is 1,500 whichgets you a 5 voucher. Peak time for vouchers requests is November and December.For vouchers needed over this period, please give us as much notice as possible.Eligible spend*1 inSterling currency*2OREligible spend*1in non-SterlingcurrencyPremier Points EarnedValue of Points 1,500 7501,500 5 3,000 1,5003,000 10 15,000 7,50015,000 50*1 Eligible spend excludes cash advances, balance transfers, cheques, refunds, interest or anyother charge. See HSBC Premier Reward Points Rules on pages 14 - 15 for further details.*2 See page 14 for further details on what transactions are classed as Sterling currency.To order your shopping vouchers call 03457 70 70 70.*3 You can also order yourvouchers through your Online Banking at www.hsbc.co.uk/premierPoints can be redeemed for vouchers from:Amazon.co.uk is not a sponsor of thisProgramme. For complete gift certificateterms and conditions, see www.amazon.co.uk/gc-legal. All Amazon , & are IPof Amazon.com, Inc. or its affiliates.For the full list of retailers, please visitOnline Banking at www.hsbc.co.uk/premierand select: My Accounts Premier Credit Card Premier Rewards in the left hand menu.*3Our 24-hour telephone banking is subject to scheduled maintenance periods.Lines are open 24 hours, 365 days a year. To help us continually improve our service,and in the interests of security, we may monitor and/or record your communications with us.7

Exchange your Pointsfor a selection of Laithwaite’squality wines.Turn your Points into wine and ChampagneFrom rich, full-bodied reds to crisp, ripe whites and the refreshing sparkle of Champagne.You can have a cause for celebration when you exchange you Points for a selection ofquality wines from Laithwaite’s.You can choose from five different cases, which Laithwaite’s will deliver to you directly.HSBC Top Drawer Champagne SixCelebrate in style with this luxury halfdozen from three top Champagne houses.Bollinger is famed for its toasty richnessand classic complexity. Flawless LouisRoederer Brut makes the perfect aperitifwith citrus hints and toasty notes, andyellow-label Veuve Clicquot is one of theworld’s most revered bubbles.HSBC Prosecco SixProsecco is the must-have fizz of themoment. This gentle, soft, deliciouslyfruity and informal style of Italian sparklingis dazzling wine fans the world over.And justifiably so. You’ve three corkingexamples here – just waiting for anexcuse to be popped open, even if thatexcuse is just a tantalising pick-me-upat the end of a busy week. Think pears,slices of fresh green apples, citrus –and soft, creamy bubbles. SometimesChampagne is just too formal!8

HSBC Fine Wine Classic Six MixedIf you’re looking for excellence, lookno further than these six deliciousclassics from some of the world’s finestwine regions. You’ve a sophisticated,fresh fruit Beaujolais from one ofFrance’s leading lights, a full-bodiedand fruity Spanish Rioja and a gorgeousblackcurrant, plum and spice scentedSangiovese from one of Italy’s mostprestigious regions, Bolgheri. For yourwhites, you’ve a supremely craftedcreamy French white from Burgundy anda luxurious Albariño from Northern Spain.To complete the case, you’ve a lightlyoaked, seafood friendly Chardonnay fromAustralia’s renowned Hunter Valley.HSBC Luxury World Tour Six MixedEach of the contenders in this case hasstood out that little bit more from theirpeers. With six top wines to try, you’lllove this delicious half dozen. You’ve apristine and zesty white from the hillsof Gavi, Italy’s hotspot for fine whitewines. You’ll love this crisp and complexAustrian gem ideal with roast pork,grilled fish or spicy Asian cuisine and afabulously fresh and modern SauvignonBlanc from New Zealand’s Hawke’sBay. For your reds, you’ve a SpanishRioja, oak-aged and brimming withvibrant berry fruit flavours and an awardwinning cuvée from the French region ofMinervois. No case is complete withoutan impressive full-bodied Malbec withspicy oak overtones from an establishedwinemaking family in Argentina.9

HSBC Premier Six MixedYou’ll always have an easy drinking staravailable with this mixed half dozen. Keepyour fridge well stocked with a crisp,zingy Aussie with hints of lemon aromasand a refreshing Italian all–rounder.You’ve a zesty Chilean Sauvignon Blanc,delicious served chilled on its own tomake the most of its aromatic fruitflavours. For your wine rack filling reds,you’ll enjoy a silky Spanish Tempranilloand an elegant French Merlot rich withdark cherry and wild herb characters.To close, you’ve a full flavoured ChileanCabernet Sauvignon, ideal served withshepherd’s pie, sausages or lamb kebabs.Just call Laithwaite’s on 03330 148 174 to order the selection that has whettedyour palette and quote reference MP85 to pay by Points only, or MC85 to payby Points and cash.HSBC Premier RangePointsPoints CashRRPTop Drawer Champagne Six54,66945,294 30 261.12Prosecco Six16,85612,169 15 73.93Fine Wine Six21,05016,363 15 88.13Luxury World Tour Six16,48811,800 15 69.62Premier Six14,0319,344 15 56.46Lines are open Weekdays: 8.30am to 9pm, Saturday: 9am to 8pm, Sunday: 9am to 6pm. Pleasenote that this offer is only available in the UK (excluding the Channel Islands) and the Isle of Man.10

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Donate your Pointsto a worthy cause.Sometimes giving can feel as good as receiving (if not better).That’s why we give you the option to donate your Pointsto a worthy cause.Every 1,500 Points you earn from using your card is worth 5 to a selection of}}charities all over the world.In order to provide a wide range of charities that our customers would choose tosupport and to ensure as many charities as possible have the opportunity to benefitfrom our scheme, we may change the charity selection from time to time.Here’s some of the vital work you could support:Age UKAge UK aims to improve later life foreveryone through our information andadvice, campaigns, products, trainingand research.ageuk.org.ukRegistered Charity number: 1128267Alzheimer’s SocietyAlzheimer’s Society works to improvethe quality of life of people affectedby dementia in England, Wales andNorthern Ireland. alzheimers.org.ukRegistered Charity number: 296645SOS Children’s VillagesIn 125 countries, SOS Children’sVillages, the world’s largest orphan andabandoned children’s charity, provides ahome and a family for children who haveno one to care for them. soschildren.orgRegistered Charity number: 1069204WaterAidWaterAid transforms lives by improvingaccess to safe water, hygiene andsanitation in the world’s poorestcommunities, working with partners andinfluencing decision-makers to maximisetheir impact. wateraid.orgRegistered charity numbers 288701 (Englandand Wales) and SC039479 (Scotland).To donate your Points to a worthy cause call us on 03457 70 70 70.* You can alsodonate your Points through your Online Banking at www.hsbc.co.uk/premier* Our 24-hour telephone banking is subject to scheduled maintenance periods.Lines are open 24 hours, 365 days a year. To help us continually improve our service,and in the interests of security, we may monitor and/or record your communications with us.12

Let your Points look after themselvesIf you’ve been tempted by some of the rewards that we have to offer– and want us to send you vouchers automatically for your selectedretailer, or donate to charity – simply tell us and we can redeem yourPoints for you.Automatic Redemption is a convenientway of redeeming Points without havingto claim them each time. Instead, youcan request to have your vouchers postedto you, or charity donations made threetimes a year (every four months),provided you’ve accrued enough Points.How it worksYou’ll continue to earn Points each monthand they’ll still appear on your statement,but in the month the auto redemption is due,the accumulated Points will be automaticallyredeemed for your chosen voucher or charitydonation.To receive a 5 voucher or charity donation,you must earn and redeem a minimum of1,500 Points. You’ll automatically receivethe appropriate number of vouchers, oran appropriate amount will be donated tocharity, based on the number of Pointsyou’ve earned.To make sure you never miss out on yourrewards call us on 03457 70 70 70.*You can also set up Automatic Redemptionthrough your Online Banking atwww.hsbc.co.uk/premier.* Our 24-hour telephone banking is subject to scheduled maintenance periods. Lines are open 24 hours,365 days a year. To help us continually improve our service, and in the interests of security, we maymonitor and/or record your communications with us.13

HSBC Premier Credit Card Reward Points RulesWe have summarised information on yourHSBC Premier Reward Points (Points) foryou in the following Points Rules: Pleasenote that all of the following rules apply tothe Premier Credit Card alongside the HSBCPremier Credit Card Agreement Terms, plusany additional terms we may have providedin relation to your associated Premier cardbenefits.1. You must hold an HSBC Premier Credit Cardissued by HSBC Bank plc. No other cards areeligible.2. You will automatically earn Points accordingto the amount you spend. Earn 1 point forevery 1 (including any tax) of eligible spendin Sterling currency and earn 2 points for every 1 (including any tax) of eligible spend in nonSterling currency. Sterling currency includestransactions made in the UK, Jersey, Guernseyand Isle of Man as well as transactionsoverseas where you choose to pay in Sterlingrather than local currency.3. Points will be earned for purchases ofgoods or services, by you or any additionalcardholder, using your HSBC Premier CreditCard (Eligible Spending). Points will be earnedon the amount debited to your HSBC PremierCredit Card account in pounds sterling for allEligible Spending.4. The following items do not count as EligibleSpending: interest, late payment charges orany other charges added to your statement;Cardholder Repayment Protector insurancepremiums charged to your account; cashadvances including foreign money andtravellers cheque purchases; any balancesfrom other credit or charge cards which aretransferred to your card; ATM withdrawals andgambling transactions.5. Your HSBC Premier Credit Card statements(Statement) will show Points earned duringthe Statement period. Points relating toany refunds will be deducted. Points canbe redeemed after they are shown on yourStatement.146. A total of the Points earned, Pointsredeemed and Points deducted will appear oneach Statement issued. When redeeming yourPoints, we will deduct the Points earned bydate order so that the earliest accrued Pointswill be redeemed first.7. Points can be redeemed for up to threeyears from the month that they are first shownon your Statement. After that they will expireand be deducted on a monthly basis and youwill lose the benefits of these Points.8. You can also redeem Points for items whichwe will tell you about from time to time.Additional terms and conditions may apply tosome or all of the items and we will provideyou with these when we detail the itemsavailable.9. Points are redeemed by following theinstructions in the Reward Points brochure.10. Points earned cannot be transferred toanother person.11. If you choose to redeem Points for anyitem detailed in the Reward Points brochurebut do not have enough Points, we reservethe right to charge you the retail price of theitem to your card or a combination of Pointsand cash.12. Unless we inform you otherwise, itemsordered will normally be delivered to theprimary Cardholder’s main UK address,as appearing on the Statement, within 20days. Most items ordered will be deliveredfree of any charge. A charge may be madefor delivery to non-mainland UK addresses(including the Isle of Man) and we will notifyyou of this at the time of order, if applicable. Ifany goods offered under the programme areunsuitable for delivery to your address, you willbe responsible for collecting the goods fromsuch UK address as we notify you.13. All goods and services supplied will becovered by the manufacturer’s or supplier’snormal terms of business. Except wherethe law provides otherwise, we will not beresponsible for the quality or suitability ofthe goods or services, or for any delay indelivery. You should take up any complaint bytelephoning the number shown in the Reward

Points brochure for your requested item or bycontacting us on 03457 70 70 70.14. If your account is closed, no further Pointswill be earned. All remaining Points must beredeemed within 30 working days of closure.We reserve the right to deduct any Points leftat the end of this period. If you have chosen toredeem Points automatically, this will happenat that time. If we close your account, we mayask you to use your Points within 30 days ofus advising you of the account closure.15. Where the card facility has beenwithdrawn as a result of you breaking theterms of your card agreement with us, we willbe entitled to deduct all Points, leaving youwith a nil Points total.16. We may at our discretion change thenumber of Points you earn for your EligibleSpending or the period during which you mustuse your Points, by giving you at least 30days written notice, which includes statementmessages.17. Any income or other taxes and dutieswhich may become payable are yourresponsibility and we make no representationsregarding the current or future tax implicationsof earning or using the Points under theprogramme.18. We may, at any time, develop specialpromotions where you may earn Points underdifferent conditions. Points given under thesepromotions will be referred to as Bonus Pointsand will have their conditions disclosed to theParticipants.19. We may terminate the programme atany time by giving you at least 30 workingdays written notice. You must use anyoutstanding Points within 30 working days ofthe termination date or we will be entitled todeduct them all, leaving you with a nil Pointstotal.21. In the event of your death, your nominatedadditional cardholder is the only person whocan use the Points you have earned, subject tosome exceptions, please refer to any additionalterms for details.22. We will only investigate queries concerningPoints earned, Points used or other mattersaffecting your Points total, communicatedto us within three months of the date of thestatement, which relates to the enquiry.23. We may vary these rules at our discretionby giving you at least 30 working days writtennotice, which includes statement messages.24. Where we are affected by circumstancesbeyond our reasonable control, we reservethe right to withdraw at any time and withoutnotice, any items shown in the Reward Pointsbrochure, change the Points value and/ or thePoints plus cash price of items. Where wechoose to make such changes and these arewithin our control, we will give you at least 30working days written notice, which includesstatement messages.The HSBC Premier Credit Card Reward Pointsare provided and administered by Card ServiceDelivery, PO Box 6001, Coventry CV3 9FP.25. HSBC Premier Reward Points can beredeemed for Miles via Online Banking.These are redeemed at a rate of two Pointsfor one ‘Mile’. We reserve the right to makechanges to the Rewards for Miles programmeat any time by giving you at least 30 workingdays written notice. Please review theRewards for Miles Terms and Conditionsfor further information at www.hsbc.co.uk/rewardsformilesterms. In the event of anyconflict between the Rewards for Miles Termsand the Rules, the Rules will apply.20. We reserve the right to terminate orsuspend the Points programme and to deductany Points you have earned if you have notobserved these Rules, or you are in breach ofyour card agreement, or any other agreementwith us, or whilst your card account exceedsthe agreed limit or payment is overdue.15

Laithwaite’s Offer Terms and Conditions1. Offer valid until 21 January 2017.2. Recipients must be 18 years old or over.3. In the unlikely event of a wine becoming unavailable, a substitute of similar style and of equalor greater value will be supplied.4. P lease allow five days for delivery (Offshore islands, Northern Ireland, Scottish Highlands andsome other areas of Scotland may take a few days more).5. U K addresses only, excluding Channel Islands. Service provided by Direct Wines Ltd, NewAquitaine House, Exeter Way, Theale, Reading RG7 4PL. Laithwaite’s (the suppliers) arenot agents of HSBC Bank plc. We make no representation about them and do not acceptresponsibility for the service provided by our suppliers or manner of its provision.The Rewards options shown in this brochure are correct as at 13 April 2016.Issued by HSBC Bank plcCustomer information:PO Box 6201, Coventry CV3 9HWPO Box 14, St Helier, Jersey JE4 8NJPO Box 31, St Peter Port, Guernsey GY1 3ATPO Box 20, Douglas, Isle of Man IM99 1AU98751-2 MCP46253 03/16 HSBC Bank plc 2016. All Rights Reserved.

here are four! As well as offering you safety and security around the world, we reward you every time you use your HSBC Premier Credit Card. For every 1 of eligible spend*1 on your credit card: you'll earn one HSBC Premier