HSBC credit card holder? Check NOW if you can get up to £100 cashback on your everyday spending

If you've got an HSBC Visa credit card, you may be able to earn up to £100 cashback on groceries, fuel and transport over the next two months – but you've only got until 11.59pm on Thursday 31 October to check if you're eligible and opt in. It's a no brainer if you were planning to make these purchases anyway – as long as you pay your card off IN FULL, so the interest doesn't wipe out your cashback earnings.
This offer originally launched in September giving three months' worth of cashback at 10%, up to a maximum of £150. At the time, HSBC told us around 900,000 people could get the deal. If you've already signed up, you don't need to opt in again and you can ignore any new marketing messages you get on this.
If you didn't opt in by the end of September, you can do so by the end of October – though you'll now only be able to earn the 10% cashback (up to £100) for two months. Here's what you need to know...
Who can get HSBC's cashback deal
You must be an existing HSBC Visa credit card holder to get this offer, which means those with an HSBC Mastercard credit card won't qualify – though there's no minimum period on how long you must have had your credit card for.
You must also have been sent an email or app notification from HSBC giving you the option to opt in – if you have an HSBC Visa but didn't get the email or notification, it could be because you've unsubscribed from marketing offers.
The offer is only available to those living in England, Scotland and Wales. This means you can't get it if you live in Northern Ireland or outside of the UK.
The lender currently has four Visa credit cards: its Balance Transfer Credit Card, Purchase Plus Credit Card, Classic Credit Card, and Student Credit Card.
How the offer works
Here are the key need-to-knows:
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You need to opt in before 11.59pm on Thursday 31 October. If eligible, you'll either receive an email with instructions on how to sign up or, if you have it, a notification on your HSBC app. Fail to opt in and you won't get the cashback, even if you're eligible for it.
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Once opted in, you'll be able to earn 10% cashback (up to a maximum of £50 a month) on most grocery, fuel and transport spending for two months. The offer will last from 1 November to 31 December.
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To get ANY cashback, you'll need to make a certain number of grocery, fuel and/or transport purchases each month. This will be either three, five, 10 or 15, depending on how much you typically spend – HSBC says it will tell you your personal threshold before you opt in.
Any cashback earned will be calculated at the end of the month and credited to your credit card account on the 15th of the following month.
Of course, be mindful that cashback is never an excuse to overspend. And remember to pay off your card IN FULL each month (or before any 0% deal you’re on ends) to avoid paying any interest.
Are there any exclusions?
Yes, a few. Here's a brief summary (plus what's included):
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Groceries: Includes: Online food shopping, corner shops and bakeries.
Excludes: Amazon Fresh, department stores and takeaways. -
Fuel: Includes: Fuel purchased at UK service stations, electric vehicle charging and fuel dealers selling oil, wood, coal, etc.
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Transport: Includes: Public transport in the UK including passenger railways, commuter transport, buses, parking, taxis and domestic toll and bridge fees.
Excludes: Travel or transport abroad.
You'll be sent a full list of qualifying purchases and exclusions when you opt in to the offer. You won't get any cashback if you're over your credit limit or in arrears when the cashback is calculated and you won't get any cashback for refunded transactions.
For alternative cards paying cashback on spending, see our Debit and credit card rewards guide.