Website Terms and Conditions

This information sets out the terms and conditions ('Terms') governing your use of this website (the 'Site'). This Site is hosted by Mastercard on behalf of HSBC UK Bank plc, which is owned by HSBC Holdings plc, for the purposes of the Rewards Programme operated by HSBC UK Bank Plc (“the Programme”). By accessing this Site, you agree to be bound by the Terms. Before using this Site, you should read the Terms carefully, as well as the Site’s Privacy Notice.

HSBC UK Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. It is listed with the registration number 765112. HSBC UK Bank plc is a company incorporated under the laws of England and Wales with company registration number 9928412 and its registered office at 1 Centenary Square, Birmingham, B1 1HQ, United Kingdom. HSBC UK Bank plc's registered VAT Number is GB 365684514.

HSBC UK Bank plc is a member of the Financial Ombudsman Scheme and adheres to The Standards of Lending Practice (PDF)[PDF]. For information about accounts and other products you can refer to the Money Advice Service website.]


 Mastercard Europe S.A., with Belgian enterprise number RPR 0448038446, having its registered office at 198A, Chaussée de Tervuren, 1410 Waterloo, Belgium, part of the Mastercard Incorporated group (“Mastercard”).

What do you mean by...?

When we say...

we mean...


all pages, screens, information and materials included in or accessible through this Site (including any content available on any email or SMS services)


a special promotion where you can earn additional points or other rewards


the points you earn when you use your Rewards Card to make purchases


a third party retailer or supplier (that is not part of the HSBC Group) that allows you to earn additional points or other rewards when you use your Rewards Card to make purchases with them where you meet the terms of the relevant Offer.


the HSBC UK Rewards website


these conditions of use

We, us, our

HSBC UK Bank plc and/or Mastercard as applicable

You, your, yours

you, the person(s) accessing this Site and the party on whose behalf you are doing so

HSBC Group

HSBC Holdings plc, its subsidiaries and associated companies from time to time


Site terms

These Terms cover your use of this Site. All products and services provided by members of the HSBC Group have their own terms and conditions (the 'Product Terms'). You must read both the Product Terms and these Terms. To the extent that the Product Terms conflict with these Terms then the Product Terms will prevail.


We may change the content or services found on the Site at any time without notice, and consequently the Terms may change at any time in the future.


Information, not recommendation

Information or opinions contained on this Site do not constitute an offer to sell or a solicitation, or offer to buy, any securities or financial instruments or investment advice or any advice or recommendation in respect of such securities or other financial instruments.


Where this Site links or refers to a Retailer, this does not constitute an offer, recommendation or endorsement of the product or service, or of that Retailer. We are not responsible or liable for the fulfilment of any contract you enter into with any Retailer, or for the quality of goods or service, or for any other aspect of your dealings with any Retailer, even if initiated via this Site. We are not responsible for any loss or damage you suffer in connection with or arising out of the information provided by Retailers. Some information will indicate that it is correct on the date of publication. When accessing this content, you accept that it may have become inaccurate since the date of publication and that you will not rely on it as being correct at the date that you access it. Where we source the information provided on this site from Retailers, the views expressed are those of the Retailer concerned, not ours, and we do not endorse those views. You are responsible for evaluating this information and for any decisions that you make as a result.


The selection of special promotions where you can earn additional points or other rewards (“Offers”) is maintained by Mastercard on our behalf, and each of the Offers  is fulfilled by the relevant Retailer shown on the Site (where relevant). Some products and services available as part of the Programme have extra conditions that apply in addition to these conditions: these will be displayed within the appropriate Retailer’s web page and you should read these before using the product/service in question.


If you rely in any way whatsoever upon any content contained on this Site, you do so at your own risk.


Before you make any decision or take any action that might affect you or your personal finance, you should always consult suitably qualified professional adviser(s) to obtain appropriate financial, legal, accounting, tax and other advice.


Users of the site

The Programme is only for existing HSBC Rewards Card customers. If you cease to be an eligible customer you will no longer be eligible for the Programme, but you will be entitled to complete any transaction that you have begun before the date of the termination of your account. The information and services on this Site are provided for your own use. You are not entitled to distribute the information on this Site for commercial purposes, or to display the contents of this Site in a frame surrounded in other material.


The Site is currently intended for those who access it from within the United Kingdom. Because of this, we can't guarantee that the Site or the information within it complies with law or regulation, or is appropriate for use, in other places.


You are wholly responsible for use of the Site by any person using your computer, and you must make sure that any such person complies with these Terms.


The information provided on this Site isn't intended for distribution to, or use by, any person in any jurisdiction where such distribution or use would be contrary to law or regulation. This Site shouldn't be considered as communicating any invitation or inducement to engage in banking or investment activity, or any offer to buy or sell any securities or other instruments, outside Authorised Countries - Authorised Countries being any jurisdictions where we are licensed or authorised to perform such activities.


Not all the products and services that you may be able to view via this Site may be available in all geographical locations served by HSBC Group members. You should access only the local site(s) associated with your country of residence ("Your Local Site"). Your use of this Site is subject to the applicable laws and regulations of any relevant jurisdiction.


No representation is given that any securities, products or services discussed in or accessible through this Site are suitable for you or any particular person. You acknowledge that your use of this Site and any request for information you have made as a result of visiting this Site are not the result of an offer made by us or any of our affiliates and that the provision of any information through this Site shall not constitute or be considered investment or financial advice.


No warranties

The following clauses exclude or limit our legal liability for the Site. You should read them carefully. They all apply only as far as the law permits, and in particular we do not exclude or restrict our duties and liabilities to you under the Financial Services and Markets Act 2000 (the ‘Act'), or the rules of the FCA for the conduct of business.


While we have taken reasonable steps to ensure the accuracy, currency, availability, correctness and completeness of the information contained on the Site, information is provided on an ‘as is', ‘as available' basis and we do not give or make any warranty or representation of any kind, whether express or implied. The use of the Site is at your sole risk. We shall not be liable for any loss or damage whatsoever and howsoever arising as a result of your use of or reliance on the information contained on the Site, to the maximum extent permitted by law.


We don't represent or warrant that the Site will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You must take sole responsibility for adequate protection and back up of data and/or equipment, and you must also undertake reasonable and appropriate precautions to scan for computer viruses or other destructive properties.


We make no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with the Site.


Third party sites and endorsements

When we give hypertext links to other locations on the Internet, we do it for information purposes only. We're not responsible for the content of any other websites or pages linked from or to this Site, and we haven't verified the content of any sites we link to. If you follow links to any other websites or pages, this is at your own risk, and we won't be responsible or liable for any damages or losses connected to anything you click on. When you access or link to any other website, please read the terms and privacy notice issued by such other website to determine the policies that apply to information or data maintained by that website. Links to downloadable software sites are for convenience only - we're not responsible or liable for any difficulties or consequences associated with downloading or using the software. Use of any downloaded software is governed by the terms of the license agreement, if any, which accompanies or is provided with the software.


No endorsement or approval of any third parties or their advice, opinions, information, products or services is expressed or implied by any information on our Site.


Intellectual Property Rights

The Site Content is protected by applicable intellectual property laws and all Content is owned by either HSBC or Mastercard or a participating Retailer (as agreed between them) or used by HSBC or Mastercard or a participating Retailer with permission. All text, formatting (including without limitation the selection, coordination and arrangement of materials on the Site, and the images, graphics, animation, tools, widgets, applications, commercials, videos, music, sounds, articles, copy, creative materials, photos, trademarks, service marks, trade names, and logos, and other materials and information on this Site are subject to the intellectual property rights of HSBC or Mastercard or any participating Retailer (as applicable), or their subsidiaries and affiliates, or their respective licensors and licensees. These materials may not be copied, reverse engineered, decompiled, disassembled, modified, reposted to other webpages, framed, deep linked to, changed, or otherwise distributed, redistributed, licensed, sublicensed or transferred in any form by you. Nothing contained on the Site shall be construed as granting, by implication, estoppel or otherwise, any license or right to make commercial use of any HSBC or Mastercard or participating Retailer trademark, intellectual property right or copyrighted material without HSBC and/or Mastercard's and/or the participating Retailer’s prior written permission. The trademarks, logos, trade names and service marks, whether registered or unregistered (collectively the "Trademarks") displayed on the Site are Trademarks of HSBC or Mastercard or participating Retailers (as applicable) and their third party alliance partners. Nothing contained on the Site should be construed as granting by implication or otherwise, any licence or right to use any Trademark displayed on the Site without the written permission of HSBC or Mastercard or the relevant participating Retailer (as applicable) or such third party that may own the Trademark. Any unauthorised commercial use of these materials will violate HSBC and/or Mastercard's and/or the participating Retailer’s intellectual property rights (as applicable) and will be subject to HSBC and/or Mastercard's and/or the participating Retailer’s full legal rights and remedies.


Internet e-mail

Messages sent over the Internet cannot be guaranteed to be completely secure - they could be intercepted, lost or possibly altered. We can't and won't take responsibility for this, and won't be liable to you or anyone else for any damages or otherwise, in connection with any message sent - either by you to us, or by us to you - over the Internet.


We maintain strict security standards and procedures to prevent unauthorised access to information about you. We will never contact you by email or otherwise to ask you to validate personal information such as your user ID, password, or account numbers. If you receive such a request, please let us know by calling 03457 404404.


Governing law

The Terms are governed by, and interpreted in accordance with, the laws of England and Wales, the courts of which will have non-exclusive jurisdiction in any disputes that may arise.


Your queries

If you wish to contact us, please refer to our contact us page.