← CCWorth

Is the HSBC Premier World Elite Mastercard worth it in 2026?

£290/year

The HSBC Premier World Elite Mastercard earns 3 Membership Rewards points per £1. Whether it's worth the fee comes down to one question: do the perks and points you'll actually use add up to more than £290 a year? Here's what's on the table — and a free tool to work out your number.

Work out if it pays for itself →

What you get

• Priority Pass — unlimited lounge visits. Unlimited Priority Pass access to 1,700+ lounges worldwide for the cardholder (no free guests; supplementary cardholders £60/yr get their own access). Log each visit — a Priority Pass visit is worth about £20, what a paid day pass costs.

Does it pay for itself?

You need more than £290 of value a year to come out ahead. Unused perks are worth £0, so the honest answer depends on how you'd really use it: lounges you'd actually visit, credits you'd actually spend, insurance you'd otherwise buy, and vouchers you'd actually redeem. The free CCWorth adds it all up from your own answers and shows your real position — plus exactly what it'd take to break even.

See your verdict — free, no signup →