Barclaycard Avios Plus vs HSBC Premier World Elite Mastercard
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Barclaycard Avios Plus wins 1-0. Higher Avios earn for people who spend £10,000 or more a year. HSBC Premier World Elite Mastercard is still the right call if hsbc premier customers who want unlimited lounge access..
Side-by-side
| Criterion | Barclaycard Avios Plus | HSBC Premier World Elite Mastercard |
|---|---|---|
| Annual fee | £240 | · £290 |
| Joining fee | = None | = None |
| Top reward rate | = 1.5% (general) | = 1.5% (general) |
| Base reward rate | = 1.5% | = 1.5% |
| Forex markup | = N/A | = 2.99% |
| Welcome bonus | = 25,000 Avios after £3,000 spend in three months, for new Barclaycard customers | = 70,000 reward points after £2,000 spend in the first 90 days (offer ends 1 December 2026) |
| Fee waiver threshold | = No waiver | = No waiver |
| Min income | = Not verified | = Not verified |
| Min credit score | = N/A | = N/A |
| Editorial rating | = 4.2/5 | = 4.2/5 |
Benefits compared
Barclaycard Avios Plus
- 1.5 Avios for every £1 spent on eligible purchases
- £20 monthly fee (£240 a year)
- Spend £10,000 in 12 months to choose a British Airways cabin upgrade voucher
HSBC Premier World Elite Mastercard
- 3 reward points per £1 in sterling, 4 per £1 in other currencies
- Points convert to airline miles: £1 in sterling equals 1.5 miles, £1 in other currencies equals 2
- Unlimited Priority Pass access to more than 1,700 airport lounges, for additional cardholders too
- Only for HSBC Premier customers
FAQ
›Barclaycard Avios Plus vs HSBC Premier World Elite Mastercard: which is better?
Barclaycard Avios Plus wins on more dimensions (1 vs 0). But the right answer depends on your specific spending pattern. Run your own monthly spend through the maximizer to see which one pays you more.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use Barclaycard Avios Plus for its best categories, HSBC Premier World Elite Mastercard for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Barclaycard Avios Plus: 25,000 Avios after £3,000 spend in three months, for new Barclaycard customers. HSBC Premier World Elite Mastercard: 70,000 reward points after £2,000 spend in the first 90 days (offer ends 1 December 2026).