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HSBC credit cards

With HSBC you get the support of a global bank with a large reward scheme (for all customers).

HSBC is one of the world’s largest banks and so has the expertise and support that goes along with this, such as 24/7 customer service, fraud detection and global acceptance.

It also offers a range of cards with clear interest rates and charges to suit a variety of financial needs, while providing an innovative reward scheme with holidays, shopping, eating out and fun experiences on offer.

Compare the HSBC range of credit cards

Comparison ordered by representative APR with affiliated products shown first.
Updated April 21st, 2019
Name Product Purchases Balance transfers Annual/monthly fees Rep. APR Incentive Representative example
0% for 9 months reverting to 18.9%
0% for 18 months reverting to 18.9%
£0
18.9%
A selection of rewards from a range of partners. Earn 1 point for every £1 spent within the UK and earn 2 points for every £1 spent outside the UK. Points can be redeemed for shopping vouchers and frequent flyer miles.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
18.9%
N/A
£0
18.9%
Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.
Representative example: When you spend £500 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
0% for 3 months reverting to 21.9%
0% for 28 months reverting to 21.9%
£0
21.9%
Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
0% for 3 months reverting to 21.9%
0% for 28 months reverting to 21.9%
£0
21.9%
Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
0% for 18 months reverting to 22.9%
0% for 18 months reverting to 22.9%
£0
22.9%
Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
29.9%
29.9%
£0
29.9%
Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.
Representative example: When you spend £1,200 at a purchase rate of 29.9% (variable) p.a., your representative rate is 29.9% APR (variable).
18.9%
18.9%
£195 per annum
59.3%
2 points for every £1 spend in the UK. 4 points for every £1 spend outside the UK. 40,000 Anniversary Points Boost - qualifying spend £12K in 12 months from account opening. Points can be redeemed for airline frequent flyer miles, retail vouchers from selected stores and luxury wines and champagnes or can be used to make donations made to the charity of the customer's choice.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £195 per annum, your representative rate is 59.3% APR (variable).

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Types of credit cards from HSBC

HSBC has a range of cards to suit most financial needs, whether you are looking to pay off existing debt or want an everyday card for daily spending.

  • Balance Transfer Cards

    HSBC offers these balance transfer cards to enable you to transfer existing expensive debts and to pay them off at a better rate. These cards usually have a zero or low rate of interest for an initial promotional period, but then have a monthly or annual fee applied which can vary from card to card and person to person.
    Learn more about 0% balance transfer cards

  • General reward and cashback cards

    The bank typically offers a range of other cards that are suitable for a range of uses including balance transfer and general day-to-day spending. These have a range of low interest rate promotional periods along with a set monthly or annual fee, although these are subject to change from person to person. You can then build up points through everyday spending and convert them to rewards and benefits with HSBC’s reward programme, which is available across the globe.
    Learn more about rewards cards

  • Student cards

    These are offered exclusively to those in full time education. They have no annual fee and a lower rate of interest available than for many other cards as students will typically have less income. They are used in much the same way as a reward or cashback card.
    Learn more about 0% purchase cards

The benefits of banking with HSBC

  • Rewards systems. HSBC has a large reward scheme which provides access to benefits across the globe. You build up points from everyday spending on your card and once you have enough points these can be redeemed for everything from travel and holidays, dining out at restaurants, fun experiences and shopping, to health and fitness. You can also get frequent flyer points on select cards which can be converted to flights or upgrades.
  • Online management. With HSBC’s online management service you can get constant, secure access to your account so you can see your balance and latest transactions, make payments and easily oversee your finances from any internet-connected device.
  • Additional cards. If you need more than one card, HSBC can provide this so that you can easily add a partner or family members aged over 18 on your account.
  • Mobile Banking App. The mobile banking app is one more way you can stay on top of your finances. The app is a simple and secure way to see your latest transactions, make payments check you balance.
  • Global usage. HSBC’s credit cards are all provided with Visa or Mastercard so you can pay for items and take cash out in a huge number of countries throughout the world. You just need to check that they have the correct logo to ensure you are eligible.
  • Round the clock assistance. With HSBC, you get 24/7 service from the customer service team, should you need it. You can simply call them at any time, day or night, from anywhere in the world and they will be able to help.

How to apply for a HSBC credit card

With HSBC you have three routes of application for a credit card: online, by phone or in store. If you opt for online, you should look at eligibility requirements and then apply with a free no-footprint credit report which is not seen by other firms.

Eligibility requirements

Every application is looked at by HSBC on an individual basis but the basic eligibility requirements give you an idea of whether you will be able to apply. These are:

  • You must be over 18, and not hold an HSBC Basic Bank Account.
  • You must be a resident of the UK, Channel Islands of Isle of Man
  • You must have an annual income or pension before tax of £8,500 or more.

If you are rejected, HSBC recommend getting a credit report from one of the major credit agencies to check why you have been rejected.

Why might you not be approved?

On the whole, if you meet the eligibility requirements but have a history of bad debt or no credit history at all, you may be rejected. Equally if you are in an IVA or have had a CCJ you may not be accepted. If you have ever declared bankruptcy you are also unlikely to receive a card.

Frequently Asked Questions

Barclaycard Platinum 28 Month Balance Transfer Visa
Barclaycard Platinum 28 Month Balance Transfer Visa

Balance transfers:

0% for 28 months reverting to 19.9%

Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).

M&S Bank Transfer Plus Mastercard
M&S Bank Transfer Plus Mastercard

Balance transfers:

0% for 28 months reverting to 19.9%

Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).

ASDA Money Cashback Plus Credit Card Mastercard
ASDA Money Cashback Plus Credit Card

Balance transfers:

0% for 15 months reverting to 19.9%

Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a. with a fee of £3 per month, your representative rate is 26.2% APR (variable).

ASDA Money Cashback Credit Card Mastercard
ASDA Money Cashback Credit Card

Balance transfers:

0% for 12 months reverting to 19.9%

Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).

*Disclaimer: The offers compared on this page are chosen from a range of products whose details Finder has access to track; they don't represent all the products available in the market. Unless indicated otherwise, products are displayed in no particular order or ranking. The terms "best", "top", "cheap" (and variations) are not product ratings and are subject to our terms of use. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

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