I had the children at the beach then the one man walking through water
Think it depends on the account type you have. I just have the standard HSBC account
I thought this but now I’m not sure. I think they just rotate. Premier has given me surfers both times of different versions.
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I’m Premier and have only had the guys at the beach with surfboards and the guy in the water with the large rear, so far.
It does make you wonder what will come next.
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Not really. I wouldn’t pay for it, put it that way. I was given Premier status by HSBC for free, so figured it was worth taking.
Travel insurance can be useful, depending on the type of holidays you take.
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I was thinking of rejoining HSBC however I’ve previously had a terrible experience with them so not sure if it’s worth the hassle.
I’m scared to apply again in case it causes any issues like before.
What are you hoping to gain by rejoining?
Access to the premier credit cards.
Travel insurance and overseas accounts are quite useful things, but not groundbreaking.
Haven’t bothered looking into home and away stuff yet
The free travel insurance is a decent policy and the ease of opening/using overseas account.
With the (free) Premier Credit card, I have benefited from the extended warranty which includes accidental damage.
HSBC give Premier customers a better interest rate on some products. Sadly these days that seems to be mainly mortgages rather than savings accounts.
And while I haven’t used it, I understand they have reintroduced 24/7 telephone CS for Premier customers. (Where is @jo when you need him?)
I’ve looked at this in the past and always thought the range of offers was poor, embarrassingly so for a bank like HSBC especially given it is a “global” scheme and too narrowly focused…
When HSBC Advance had their own perks scheme in the UK, it always seemed much better for UK customers…
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The Travel Insurance is excellent and, especially since it’s free, is extremely good value. I’ve found value from having it on a number of trips.
The “Home & Away” offers I could take or leave them, I have once or twice used the Europcar ones.
But I really like the whole account. It gives you access to some better credit cards plus the experience for me at least has been “premier”. The wealth manager and customer service have both proved useful. (The former was a one off call they offered).
Honestly I wouldn’t bother rejoining just for this. They are nice looking cards but the offers are not great, nor is the points capture. I’d suggest AMEX would be better depending on your needs of course.
That said I’ve found them to be excellent the last few years, I’ve no complaints here.
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It certainly used to be the case, including for advance customers. I can’t say for certain if the service is better than I would get if I didn’t have premier, but it appears to be a dedicated line for now.
I don’t know what would happen if you dialled the premier line as a non premier customer. I say this because I’ve dialled the main line once and put my details in and it didn’t push me onto the premier line.
Yes, I believe that was the case when premier was for the slightly richer instead of “Mass Affluent” customers but now not so.
That said I was offered a “wealth manager” call who was basically just seeing if I was using my products effectively (aka what could I get I didn’t have).
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I don’t think it would on the basis this didn’t happen the other way around. It was my thought also that this would be the case.
Odd. It always used my details to put me through to the “appropriate” staff.
Now if only they would change my daily payment limit to 100k/day…
It’s possible that was a glitch.
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I’ve done a few hotel bookings with Home&Away offers, but they’re not always good and if hsbc didn’t have them there’s usually an offer for booking/agoda/expedia/etc. elsewhere so it’s not as though they’re very exclusive.
Aside from that, travel insurance which I would have to buy if it wasn’t included.
And global transfers (although I checked and I think those are a benefit for the advance account too).
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Yes, they increased it a couple of months ago
However, mine still shows the old £25k for whatever reason…
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Mine shows as £250K per account, per day
I do find the higher limits useful, as well as the 24/7 phone support and the reduced charges for certain payments.
It’s the support for me with Premier. I’m not getting much value from the other perks at the moment.
It’s mainly used for transferring money between accounts (seperate banks) or international payments.