HSBC Premier World Elite Mastercard (United Kingdom) Airport Lounge Access: Priority Pass

Before you head to the airport, there is one essential task: you must manually register your card for Priority Pass. Unlike some cards that are 'ready to go,' your HSBC Premier World Elite requires you to activate your membership online first. During this process, a small pre-authorisation charge will be applied to verify your card—don't worry, this is quickly returned.
Once registered, the best way to enter a lounge is by using the Priority Pass app. While you can present your physical credit card at the door, the digital membership card in the app is the 'official' way to ensure your benefit is recognised.
The most important detail for your budget is the guest policy. This card provides unlimited lounge access for the cardholder and additional cardholders. If you bring a partner, friend, or child, your HSBC account will be charged £24 per person, per visit. If you frequently travel with a companion, the 'pro move' is to pay the £60 annual fee to add them as a supplementary cardholder. They will get their own unlimited Priority Pass membership, which pays for itself after just three lounge visits.