Looking for more travel hacks and credit card perks? For our entire collection of reviews and guides, click here. Your next free hotel breakfast might just be a swipe away. Welcome to the Hilton Honors Plus Debit Card review:
In This Post
Is the Hilton Honors Plus Debit Card Worth It? Let’s Find Out.
If you love Hilton hotels, travel frequently, or want to ditch foreign exchange fees while earning hotel perks, the Hilton Honors Plus Debit Card might be your new best friend. Unlike a credit card, it links to your bank account for real-time payments, so you don’t have to worry about interest rates. But does it justify the £150 annual fee? Let’s break it down.
Key Facts at a Glance.
- Annual Fee: £150 (non-refundable)
- Interest Rate: None (it’s a debit card, not a credit card)
- Foreign Exchange Fees: 0% worldwide
- Sign-Up Bonus: 10,000 Hilton Honors points (worth ~£33 in hotel stays)
- Status Perk: Hilton Honors Gold for as long as you hold the card
This card does NOT require a credit check, so it’s perfect if you don’t meet Amex or Barclaycard income requirements.
The Two Hilton Honors Debit Cards: Which One is Better?
-
- Hilton Honors Standard Debit (£60 per year)Silver Status
- 0.5% FX Fees (not 0%)
- Lower points earning rates
- Hilton Honors Plus Debit (£150 per year)
- Gold Status (worth it for complimentary breakfast alone!)
- 0% FX Fees Worldwide
- Higher points earning rates
Verdict: The Plus version is the way to go if you want elite benefits.
How Does the Card Work?
- It links to your UK bank account (except Metro Bank, Co-op Bank, and Chase).
- No hard credit check—just a soft check to verify identity.
- Each transaction is instantly deducted from your linked account.
Sign-Up Bonus: A Modest Boost.
- 10,000 Hilton Honors points when you spend £2,500 in foreign currency within six months.
- What’s that worth? Roughly £33 in Hilton stays.
- Pro Tip: Unlike credit cards, EVERYONE accepted gets the bonus—even if you have a Barclaycard Hilton Honors credit card or another Currensea card.
Hilton Honors Gold: The Best Mid-Tier Hotel Status.
With this card, you get Hilton Honors Gold status for free, which usually requires the following:
- 20 stays, 40 nights, OR $7,500 in Hilton spending per year.
What Does Hilton Gold Get You?
- 💎 Free Breakfast for Two (or a cash credit in the U.S.).
- 📈 80% Bonus on Base Points.
- 🛏️ Room Upgrades (sometimes just a better view, but occasionally next-tier rooms).
Real Talk: If you and a travel buddy stay 5+ nights per year at Hilton hotels, the complimentary breakfast alone can cover the £150 fee.
Points Earning: Maximized for Travel.
| Spend Type | Points Per £1 |
|---|---|
| UK General Spending | 1.5 Hilton Honors Points |
| Hilton Hotels in the UK | 3 Hilton Honors Points |
| Foreign Currency Spend | 3 Hilton Honors Points |
| Hilton Hotels Abroad | 4.5 Hilton Honors Points |
What’s a Hilton Honors Point Worth?
- ~0.33p per point.
- That’s a 1% return on UK spending and a 1.5% return on foreign spending.
- Transfers to Avios? Terrible—10:1 conversion rate. Avoid it.
Free ATM Withdrawals Abroad (Up to £500 per Month)
- No fees for the first £500 per Month.
- 2.5% FX fee after that.
- UK ATM withdrawals are not supported (use your usual bank card instead).
Is This a Good Card for Travel?
YES! It’s the only UK travel rewards card with 0% FX fees worldwide.
- Most travel rewards cards still charge 3% FX fees.
- Virgin Atlantic cards (0% FX in the Eurozone) still charge 3% elsewhere.
- This card is ideal for frequent international travellers.
Who Should Consider This Card?
✅ Frequent Hilton guests who want complimentary breakfast & perks.
✅ People who spend a lot abroad—this is one of the few rewards cards with 0% FX fees.
✅ Those who don’t qualify for Amex or Barclaycard travel credit cards.
✅ People who want a debit card for travel spending instead of a credit card.
❌ Not for you if…
- You don’t stay at Hilton hotels—status won’t matter.
- You want a massive sign-up bonus—this one’s small.
- You spend mainly in the UK, but Amex Gold or Platinum will earn more Hilton points.
Is There a Better Way to Earn Hilton Points?
| Card | Sign-Up Bonus | Points per £1 |
|---|---|---|
| Hilton Honors Plus Debit | 10,000 Points | 1.5 – 4.5 Points |
| Amex Preferred Rewards Gold | 20,000 MR Points (40,000 Hilton) | 2 – 3 Points |
| Amex Platinum | 50,000 MR Points (100,000 Hilton) | 2 – 3 Points |
Verdict: You’ll earn Hilton points faster if you can get Amex Gold (free Year 1) or Amex Platinum. But this debit card is your best option if you can’t get a credit card.
Final Thoughts: Great for Hilton Fans & Frequent Travelers.
The Hilton Honors Plus Debit Card is worth it for Hilton Gold status alone. If you stay at Hilton properties for 5+ nights per year, the complimentary breakfast will cover the £150 annual fee.
The 0% FX fees make it a standout travel card, especially for those who don’t qualify for Amex or credit cards.
This is one of the best options if you’re looking for a solid travel debit card with real perks.
Ready to Start Earning Hilton Perks? Apply for the Hilton Honors Plus Debit Card here.
