Hilton Honors now lets you earn points not just when you sleep but also when you spend, thanks to its two new UK debit cards: the Hilton Honors Debit Card and the Hilton Honors Plus Debit Card. Both charge an annual fee, £60 for the Hilton Honors Debit and £150 for the Hilton Honors Plus. They link directly to your bank account and stack Hilton points in the background.
Let’s break down the perks, points, and pounds to help you decide.
In This Post
Quick Comparison: Hilton Debit vs Plus Debit
| Feature | Hilton Honors Debit | Hilton Honors Plus Debit | |||
|---|---|---|---|---|---|
| Annual Fee | £60/year | £150/year | |||
| Welcome Bonus | 2,500 Points (after £1,000 spend in 3 months) | 10,000 Points (after £2,500 spend in 3 months) | 3,500 Points (after £1,000 in FX spend in 6 months) | 12,000 Points (after £2,500 in FX spend in 6 months) | 5,000 Hilton Honors Points |
| Points on Card Spend (UK) | 1 point per £1 | 2 points per £1 | |||
| Points on Card Spend (Abroad) | 1 point per £1 | 2 points per £1 | |||
| Hotel Spend with Hilton | 2 points per £1 | 3 points per £1 | |||
| Foreign Transaction Fees | 0% | 0% | |||
| Lounge Access | Not included | Not included | |||
| Card Type | Mastercard debit | Mastercard debit | |||
| Bank Account Requirement | UK current account | UK current account |
Welcome Bonus & Earning Power
As of May 2025, both cards offer updated sign-up bonuses valid until 2 June 2025:
- Hilton Honors Debit (£60/year): Get 2,500 Hilton Honors Points when you spend £1,000 at home or abroad within 3 months of ordering the card.
- Hilton Honors Plus Debit (£150/year): Get 10,000 Hilton Honors Points when you spend £2,500 at home or abroad within 3 months of ordering the card.
That’s on top of the everyday earning rates:
Only the Plus card offers a 5,000 Hilton Honors Points bonus after sign-up. That’s enough for a night at a low-category hotel or to boost your balance.
And when it comes to everyday earning:
- Hilton Honors Debit: 1 point per £1
- Hilton Honors Plus Debit: 2 points per £1
- Hotel bookings: 2 points vs 3 points per £1 respectively
Pro tip: Use the Plus card on direct Hilton bookings to stack points with elite bonuses and promos. You can easily earn 6–10 points per £1 all-in.
Travel Perks Without the Travel Fees
Both cards offer 0% foreign transaction fees, a rare perk for UK debit cards. So, whether you’re tapping in Tokyo or brunching in Barcelona, you’ll still earn Hilton Points without getting stung.
Monthly Flexibility
There’s no annual lock-in; you can upgrade or downgrade anytime via the app. Want to try Plus during your travel-heavy summer and switch back by winter? It’s easy.
Just note: if you’re relying on the 5,000-point bonus, grab it before you downgrade.
Lounge Access?
Nope. Neither card has airport lounge access, and you won’t find any discounts. These are pure earn-and-burn debit cards, not luxury travel perks.
Use with a Hilton Family Pool
Hilton lets you pool points with up to 10 family or friends. That means if you’re using these debit cards as a household or travel group, everyone’s spend can help rack up enough for that next hotel redemption.
Who Should Pick Which?
Hilton Honors Debit (£60/year):
- You want to earn Hilton points but pay a lower annual fee
- You’re new to Hilton Honors and testing the waters
- You don’t spend much on cards day-to-day
Hilton Honors Plus Debit (£15/month):
- You spend regularly on debit and want to maximise every pound
- You stay at Hiltons a few times a year or have elite status
- You’ll benefit from the 5,000 point bonus + higher earning
Who Should Pick Which?
Hilton Honors Debit (Free):
- You want to earn Hilton points without paying a fee
- You’re new to Hilton Honors and testing the waters
- You don’t spend much on cards day-to-day
Hilton Honors Plus Debit (£15/month):
- You spend regularly on debit and want to maximise every pound
- You stay at Hiltons a few times a year or have elite status
- You’ll benefit from the 5,000 point bonus + higher earning
Final Swipe
The Plus card is for those who treat Hilton like a second home or at least want every coffee, cab ride and contactless tap to get them there faster.
But if you’re just testing the Hilton waters or want to keep costs lower annually, the free Hilton Honors Debit Card still does the job and earns as you go.
Want to start earning Hilton Points on your everyday spending?
Sign up for the Hilton Honors Plus Debit Card here and turn your grocery runs into hotel stays. Every sign-up helps support WingTips. Cheers to that.
Want to start earning Hilton Points on your everyday spending?
Sign up for the Hilton Honors Plus Debit Card here and turn your grocery runs into hotel stays. Every sign-up helps support WingTips. Cheers to that. If you’re loyal to Hilton and use a debit card daily, the Plus version pays off fast, especially with fee-free spending abroad and double the earning rate. But if you’re just starting out or prefer free options, the base Hilton Honors Debit Card still puts points in your pocket without charging a penny.
Cabin Binge: More Reads
