HSBC credit card holder? Check NOW if you can get up to £150 cashback on your everyday spending

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. You must also have been sent an email from HSBC giving you the option to opt in – if you have an HSBC Visa but didn't get the email, 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.

HSBC told us around 900,000 people can get the deal, and there's no minimum period on how long you must have had your credit card for.

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:

• You need to opt in before 11.59pm on Monday 30 September. If eligible, you should already have received an email with instructions on how to sign up. If you manage your HSBC Visa credit card through HSBC's app, you'll also have received a notification if you're able to apply. Fail to opt in and you won't get the cashback, even if you're eligible for it.

• Once opted in, you'll be able to earn 10% cashback (up to a maximum £50 a month) on most grocery, fuel and transport spending for three months. The offer will last from 1 October to 31 December. If you're eligible but miss September's sign-up deadline to begin earning cashback from October, you should get another chance to sign up for the offer later on. However, you only need to opt in once – you won't need to reapply each month.

• 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):

• 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.

• Transport: Includes: Most public transport in the UK.
  Excludes: Public 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.