Rubbish
After the update last month, it just keeps trying to redeem points after every transaction. I have checked the settings but it still does this. Please look at resolving this asap.
A heaping pile of garbage on wheels
You know how you can a feeling of confidence when using a well designed fintech app that provides visual and UI clues about what is happening and what you might do if things go wrong? This app has none of those things. Maybe that’s fine if you can use it for its intended purpose but that’s the problem. I get an error when I enter my credit card number. And then that’s the end of the journey. I have called my bank to try to get it resolved but that didn’t work out. So now I need to find Mastercard’s phone number to try and resolve the issue. This is not how a simple reward app should work in 2026.
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Logs me out all the time
Why does this log me out all the time? I input my data and few weeks later the app just logs me out and I have to input everything manually again. Been like this for years. Pathetic.
Never works
Tried downloading it twice and it couldn’t recognize my card even though it works on the web version. It also doesn’t seem to track spending accurately if at all. After having the card for almost 3 years and using everyday, there’s only 5000 points on there
Terrible
This app doesn’t work.Its waste of download.I tried so so many times & after adding all details it says something is wrong try again .please fix this app or delete it’s not working
Poor functionality
The app keeps logging me out then asks for card number every single time. Now, I can’t even log in because when it’s at the OTP screen it gives error “Something went wrong. Phone number incorrect…”. My phone number is correctly setup in the bank’s app and works for my bank’s OTPs.
‘Oops, something’s wrong, try again’
Really bad - hardly ever works and could be much simpler to follow / use if it worked. Makes me want a different card
Getting better???
So after almost 12 months of not tracking I have suddenly discovered to have £42 worth of points. Redeemed immediately and it actually worked!!! Hopefully things are only going to get better.
Very unstable, can’t even load landing page
If you ever try to go and check your bonuses most probably the app won’t even load
Poor rewards
Not all purchases generate a reward. Those that do are a very low rate compared to other banks
Worst app ever
This is the worst app that has ever been developed in the history of mankind. There is no option to give zero stars but it actually couldn’t be worse. An abomination.
Pathetic
Its pathetic experience, why HSBC UK doesn’t care about its customers…
How many points do I have
With this app I will never know, whether I save my point or redeem, whether I make big or small purchases I will never be able to tell how many points I have
Terrible
In my experience the Pay with Rewards app has never tracked all spend. Recent updates have made the app worse still. Today, I received a notification to guide me to the offers which allow you to boost your rewards. Unfortunately, when I followed the link the app opened and just froze on a white screen. Restarting my phone or the app made no difference. So now I don’t even have access to the rewards I’ve already earned at the paltry rate they are “earned”.
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Doesn’t work
Doesn’t work
Unreliable
I’ve been constantly kicked out and asked to log in from the beginning. Really annoying.
Flaw in update
The new updated app doesn’t show activities so removes the option to redeem rewards from past transactions. I checked the tutorial but that relates to the old app layout. The is no help function either.
Buggy
Term of use kept popping up and won’t proceed to the next page rendering the app useless
You guys made the app non accessible after latest release
App is not allowing to reach to home page. It’s kept showing use of term/policy screen and after clicking check box and accepting the terms and policy by clicking accept button it is again landing me to same screen. Accepted terms and policy so many times but it is not going anywhere.
App not working.
Keeps asking me to accept the T&Cs but doesn’t allow me to submit. Can’t get any further.
