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The LoungeKey airport lounges you can enter with the new HSBC Premier World Elite MasterCard

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On Thursday, we published exclusive details on the new HSBC Premier World Elite MasterCard.  Luckily for us, all of those details appear to have been correct!

The official website for the card is now available at as you can see here.  The representative APR, which I didn’t know on Thursday, is 59.3% APR variable and 18.9% APR variable for purchases, based on an annual fee of £195 and a credit limit of £1,200.

To remind you of the points benefits, you get:

40,000 points (20,000 miles) for signing up and spending £2,000 within 3 months

40,000 points (20,000 miles) for spending £12,000 in your first 12 months

2 points (1 mile) for every £1 you spend – this makes it by far the best Avios MasterCard or Visa product

4 points (2 miles) for every £1 you spend outside the UK

You can take your ‘miles’ as either Avios, Cathay Pacific miles, Singapore Airlines miles or Etihad Guest miles.

HSBC Premier World Elite

The card also comes with airport lounge access.

This is via an exclusive MasterCard company called LoungeKey.  You can access their website here.

What is interesting about LoungeKey is that you simply show your World Elite MasterCard at the door.  There is no separate membership card.  However, you must have registered your HSBC card via this link first.

No free guests are allowed.  However, you can get a supplementary card for your HSBC Premier World Elite MasterCard for a £60 annual fee and that person can then access lounges with that.

Across Heathrow, Gatwick, Stansted, Southend and Luton, the following lounges are covered:

Gatwick:  No 1 Lounge (North), MyLounge (North), Aspire (North), No 1 Lounge (South)

Luton:  Aspire

Southend:  Skylife

Heathrow:  Plaza Premium (T2 Arrivals, T2 Departures, T4 Departures), SkyTeam (T4), No 1 Lounge (T3), 

Stansted:  The Escape Lounge

I don’t mention Southend for a laugh.  I mention it because, due to its inclusion, along with the SkyTeam T4 and No 1 Heathrow T3 lounges, LoungeKey has a better offering the Lounge Club, which comes with American Express Preferred Rewards Gold.  It is marginally weaker than Priority Pass but only because it doesn’t include the Aspire lounge in Heathrow Terminal 5.

(The full list of UK lounges covered by Lounge Club and Priority Pass is here.)

The HSBC Premier World Elite MasterCard is not clearly better than American Express Platinum if you want a card with lounge access.  It is cheaper (£255 for the HSBC card with one supplementary card vs £450 for Amex Platinum) but the Amex Platinum package has far more benefits – Hilton Gold, Melia Gold, Club Carlson Gold, Eurostar lounge access etc etc (see my review for details). For some people, however, it will be the right choice.

Thanks to reader Rob for his help.

Disclaimer: Head for Points is a journalistic website. Nothing here should be construed as financial advice, and it is your own responsibility to ensure that any product is right for your circumstances. Recommendations are based primarily on the ability to earn miles and points and do not consider interest rates, service levels or any impact on your credit history.  By recommending credit cards on this site, I am – technically – acting as a credit broker.  Robert Burgess, trading as Head for Points, is regulated and authorised by the Financial Conduct Authority to act as a credit broker.

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  1. Has anyone already received their card? If so, could they check exactly what benefits the card entitles to, according to either the welcome package or by entering the first 6 digits of the card on

    From that MC website, using 543458 (which is simply HSBC UK’s Premier MC issuer identifier) lists a number of partners that grant elite status, including Abercrombie & Kent, which offers a comprehensive concierge service.

    Keen to know before I take the plunge, but, if confirmed, strong selling point. Even if, bizarrely, those benefits aren’t listed on HSBC’s website.

    • Northern Lad says:

      Info as requested below. Bizarrely/annoyingly on HMRC payment website it states “These aren’t the first 8 numbers of a MasterCard credit card – try again” when you enter first 8 digits of the card, which you need to do to calculate the fee – any thoughts?

      VIP Privileges & Offers

      “World Elite MasterCard opens up a world of privileges from exceptional travel and lifestyle brands including luxury hotels, private jets, fine wine, golf, spa and VIP shopping.

      Experience life’s more memorable moments with VIP Privileges, around the world.
      ABERCROMBIE & KENT > Combine adventure and luxury for an exclusive holiday FAIRMONT HOTELS > VIP status, late check out and other superb benefits at Fairmont Hotels & Resorts CHIC OUTLET SHOPPING VILLAGES Enjoy a VIP experience shopping at one of many Chic Outlet Shopping Villages HERTZ Free car upgrade and exclusive benefits when you hire a car from Hertz RAFFLES HOTELS > VIP status, room upgrade on arrival, complimentary breakfast & late checkout SWISSÔTEL HOTELS > VIP status, late check out and other superb benefits SIXT Hire a car or limousine from Sixt and receive exclusive benefits STARWOOD HOTELS Buy two nights and receive the third night free at Starwood hotels and resorts SMALL LUXURY HOTELS Experience unbeatable luxury and enjoy a third night for free THE LEADING HOTELS OF THE WORLD Enjoy a stay at some of the world’s best hotels and enjoy free membership of the Leaders Club”

      • Northern Lad says:

        I’ve spoken to HSBC and the issue apparently is that MasterCard’s commence with 5434 but this card starts with 5199 – they will look into this and advised me to speak to hmrc. On doing this, it was established that the payment could be made over the phone. They confirmed the rate was 0.606% and it’s being classed as MasterCard Signia Premium Credit Card.

    • Laszlo says:

      I received my card today. MasterCard World Elite website doesn’t recognise it. LongeKey website doesn’t recognise it either, although the authorisation seems to have gone through. Called HSBC, they don’t know why. Called LoungeKey, they don’t have a clue either.
      Nice start, will see how it continues…

      • I know the answer to this. You need to register your HSBC card via a special page on the LoungeKey website. If you go back to my article on the lounges you can access with LoungeKey, I have added in a link to the relevant page.

        However, it will not be live for a few more days. Until then, HSBC will refund you any lounge access fees you pay out of your own pocket for LoungeKey lounges.

        • Laszlo says:

          I tried to register again, but got an error message, same as yesterday.
          “The payment card provided is invalid. Please try again or contact your bank. REF: LK023”

          • Hmmm, just got mine today, getting the same error message here. Though, to be fair, the services booklet does say on p. 5: “You don’t even need to activate this benefit – it’s ready to use straightaway.”

            By the way, for anyone trying to figure out how to log onto iPass Wi-Fi, I stumbled across the activation page by pure chance – it’s

            It seems to require a “voucher code” that, according to the website’s FAQs, is somewhere in the letter that was sent with the card. No idea which one of the three strings of random numbers and letters on mine might be… More interestingly, perhaps, is the statement that “The iPass service is offered to qualifying HSBC Premier World Elite™ MasterCard® holders for 12 months from the date your voucher is issued.”

            So apparently that benefit lasts for 1 year only!

  2. I notice on the T&Cs they are calling the second set of 40k points the ‘First Anniversary’ bonus – so it might be delivered on the anniversary of opening, and conditional upon paying the fee for a second year. I can’t think of any other reason to call it a First Anniversary bonus…

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