{"id":546412,"date":"2024-10-18T10:27:25","date_gmt":"2024-10-18T09:27:25","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=546412"},"modified":"2026-02-06T17:05:21","modified_gmt":"2026-02-06T17:05:21","slug":"hilton-honors-debit-card-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/current-accounts\/hilton-honors-debit-card-review","title":{"rendered":"Hilton Honors Debit Card review: Is the high annual fee worth it?"},"content":{"rendered":"<p>Hilton Honors is Hilton\u2019s rewards programme. It has partnered with Currensea to launch a pair of debit cards that allow you to earn points for spending, which can be redeemed at Hilton hotels and a few other ways.<\/p><p>The Hilton Honors Debit Card comes with a \u00a360 annual fee, while the Hilton Honors Debit Card Plus has a \u00a3150 annual fee. They come with an instant upgrade to silver status or gold status, respectively.<\/p><p>While <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/rewards-credit-cards\">rewards cards<\/a> are usually credit cards, these debit cards work by being connected to your current account. Then money is taken out of your account as you spend and you earn points in your Hilton Honors account.<\/p><p>To apply for a card, you need to be 18 years old, have a mobile number and a current account with Barclays, Bank Of Scotland, Coutts, First Direct, HSBC, Halifax, Lloyds, Monzo, Nationwide, Natwest, Revolut, Royal Bank of Scotland, Santander, Starling, TSB, Virgin Money or Ulster Bank. You can\u2019t open an account if you have an active <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/ccjs-credit-score\">county court judgment (CCJ)<\/a>.<\/p><p>Earn rates start at 1 point per \u00a31 for the standard card and 1.5 points per \u00a31 for the Plus card for spending in GBP. They are higher if you spend with Hilton or overseas.<\/p><p>To redeem points, Hilton says you can find rooms from 5,000 points per night, but more popular hotels can cost upwards of 120,000 per night.<\/p><h3>Features<\/h3><p>There\u2019s a range of features with these cards. They include:<\/p><ul><li>Instant status upgrades to silver status with the Hilton Honors Debit Card and to gold status for the Plus card. Silver status comes with a 20% point-earning bonus, a fifth night free on reward stays when you pay with points and free bottled water. Gold comes with those perks and an 80% point-earning bonus, free breakfast and room upgrades when they\u2019re available.<\/li><li>Earn up to 4.5 Hilton Honors points per \u00a31 when you spend in a foreign currency at Hilton properties with the Plus card. You can also earn points for eligible everyday spending on both cards, but the earn rates are lower.<\/li><li>You can spend with no FX fees on the Plus card and 0.5% FX fees on the standard card, with real-time exchange rates on major currencies.<\/li><li>Earn 1,000 points for each friend you refer. They\u2019ll get 500 points if they open a standard card or 1,000 points if they choose the Plus card.<\/li><li>You can add the cards to Apple Pay and Google Pay, so you can leave your wallet at home (or in your hotel room) and still earn points while you spend.<\/li><li>Point Booster allows you to round up your spending to the nearest 10p and earn 1 point per 1p if you opt in to do that. As the name suggests it\u2019s a way to boost your points balance, but you\u2019re essentially just paying for extra points rather than earning them on your spending.<\/li><\/ul><h3>Is it worth it?<\/h3><p>It really depends how often you stay at the Hilton. If you\u2019re a regular guest there and normally pay for breakfast then you\u2019ll get good value from paying the annual fee for the Plus card and getting the accompanying upgrade to gold status, especially if you travel with a guest. You\u2019d also be earning more points that you can put towards future stays with that card. It\u2019s also useful for international transactions as there are no FX fees and has free cash withdrawals up to \u00a3500 a month, which is competitive among other other cards.<\/p><p>The standard card costs less but doesn\u2019t really provide as much value, so you\u2019d be hard pressed to get your money\u2019s worth.<\/p><p>If you think you might only use it as a travel card and not stay at a Hilton then the annual fee is not worth paying as there are cheaper, better <a href=\"https:\/\/www.finder.com\/uk\/travel-money\/prepaid-cards\">travel options<\/a> available.<\/p><h3>Pros and cons<\/h3><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>Earn points while you spend<\/li>\n                                    <li>Status upgrades for taking out the card<\/li>\n                                    <li>Free breakfast if you take out the Plus card and stay at the Hilton<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>Annual fees are quite high<\/li>\n                                    <li>Limited ways to redeem points<\/li>\n                                    <li>Point redemption values vary greatly<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n                                    \n<style>\n.tablefade { height: 850px; width: 100%; overflow-x: auto; overflow-y: scroll; }\n.tablefade .luna-table { position: relative; border-left: none !important; }\n.tablefade th:first-child, .tablefade td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade .luna-table td { vertical-align: middle; }\n.tablefade tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 10rem; margin-top: -10rem; margin-bottom: 4rem; position: relative; pointer-events: none; }\n.tablefade img { min-width: 96px; min-height: 53px; }\n\n.tablefade-filtered { max-height: 500px; width: 100%; overflow-x: auto; overflow-y: auto; }\n.tablefade-filtered .luna-table { position: relative; border-left: none !important; }\n.tablefade-filtered th:first-child, .tablefade-filtered td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade-filtered .luna-table td { vertical-align: middle; }\n.tablefade-filtered tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter-filtered { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 3rem; margin-top: -3rem; margin-bottom: 4rem; position: relative; pointer-events: none; z-index: 5; }\n\n.lightbox { display: none; position: fixed; z-index: 9999; left: 0; top: 0; width: 100%; height: 100%; background-color: rgba(0, 0, 0, 0.8); }\n.lightbox img { display: block; max-width: 90%; max-height: 90%; margin: auto; position: absolute; top: 50%; left: 50%; transform: translate(-50%, -50%); }\n<\/style>\n\n                    \n    \n\n<div id=\"lightbox\" class=\"lightbox\" onclick=\"closeLightbox()\">\n  <img decoding=\"async\" id=\"lightbox-img\" src=\"\" alt=\"Expanded Finder Badge\" loading=\"lazy\">\n<\/div>\n\n<script>\n  function openLightbox(event, imageUrl) {\n    event.preventDefault();\n    const lb = document.getElementById('lightbox');\n    const lbImg = document.getElementById('lightbox-img');\n    if(lb && lbImg) {\n        lbImg.src = imageUrl;\n        lb.style.display = \"block\";\n    }\n  }\n  function closeLightbox() {\n    const lb = document.getElementById('lightbox');\n    if(lb) lb.style.display = \"none\";\n  }\n<\/script><h3>Who might this suit?<\/h3><p>The Plus card would suit someone who is a regular Hilton guest. If you pay for breakfast when you stay and spend money overseas then you\u2019re likely to find value in it.<\/p><div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3><div class=\"sources sources__f1\">\n    <link rel=\"stylesheet\" href=\"https:\/\/www.finder.com\/parent-theme\/shortcodes\/article-source\/prod\/article-source.87684078d471e76125dd.css\">\n    \n  <ul class=\"luna-accordionGroup accordionGroup\">\n    <li class=\"luna-accordion\" data-accordion=\"accordion\">\n      <div class=\"luna-accordion__summary\">\n        <h3 class=\"luna-accordion__heading\">\n          <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"sources_809742260\" data-toggle=\"collapse\" data-target=\"#sources_809742260\">\n            <span class=\"luna-accordion__title u-text--lg u-font--bold\">Sources<\/span>\n            <svg class=\"luna-icon\" aria-hidden=\"true\">\n              <use href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n              <use href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n            <\/svg>\n          <\/button>\n        <\/h3>\n      <\/div>\n      <div class=\"luna-accordion__details collapse \" aria-hidden=\"true\" id=\"sources_809742260\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n          <p class=\"sources__description\">Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are <a href=\"https:\/\/www.finder.com\/uk\/why-trust-us\">fact checked<\/a> in line with our <a href=\"https:\/\/www.finder.com\/uk\/editorial-guidelines\">editorial guidelines<\/a>.<\/p>\n          <ol class=\"u-pl--0 u-text--lg u-font--medium\">\n                                          <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/hiltonhonorsdebitcard.currensea.co.uk\/\" target=\"_blank\">Hilton Honors Debit Cards<\/a><\/li>\n                                    <\/ol>\n        <\/div>\n      <\/div>\n    <\/li>\n  <\/ul>\n    <script defer src=\"https:\/\/www.finder.com\/parent-theme\/shortcodes\/article-source\/prod\/article-source.de087a0da9824e407767.js\"><\/script>\n  <\/div><\/div><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>If you stay at Hilton regularly and pay for breakfast, you&#8217;ll find good value in the Plus card. But the annual fees on both cards are quite steep if you don&#8217;t.<\/p>\n","protected":false},"author":639,"featured_media":546535,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[3763],"tags":[],"asset_tag":[],"class_list":["post-546412","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-current-accounts"],"apple_news_notices":[],"yoast_head":"<!-- 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