HSBC

Compare HSBC UK credit cards

Get the latest HSBC credit card offers, and benefit from the support of a global bank with a large reward scheme for all customers. Rates starting from 18.9% to 59.3%.

4.0 ★★★★★ (243 reviews) Write a review

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Customer rating
★★★★★
Satisfaction survey
85% of HSBC customers in our 2023 customer satisfaction survey would recommend the brand to a friend.
HSBC Classic card has a less competitive rate

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 UK range of credit cards

Table: sorted by representative APR, promoted deals first
Name Product Ratings Customer rating Finder rating Purchases Balance transfers Annual/monthly fees Representative APR Incentive Link
HSBC Student Credit Card Visa
Finder score
★★★★★
User survey
★★★★★
★★★★★
User rating
★★★★★
Expert analysis
18.9%
N/A
£0
18.9% APR (variable)
Available alongside an HSBC Student Account (receive £100 and a 1-year subscription to Headspace when you open a new student account).
Representative example: When you spend £500 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
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HSBC Rewards Credit Card
Finder score
★★★★★
User survey
★★★★★
★★★★★
User rating
★★★★★
Expert analysis
0% for 6 months reverting to 23.9%
0% for 6 months
(2.99%, min £5 fee)
£0
23.9% APR (variable)
Earn 1 point for every £5 spent on purchases. Bonus 2,500 reward points on anniversary if £10,000 spent in previous year. 1 point = 1p (no min)
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).
Check eligibility
HSBC Balance Transfer Credit Card
Finder score
★★★★★
User survey
★★★★★
★★★★★
User rating
★★★★★
Expert analysis
0% for 3 months reverting to 24.9%
0% for 27 months
(3.49% fee, min £5 fee)
£0
24.9% APR (variable)
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 24.9% (variable) p.a., your representative rate is 24.9% APR (variable). You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.
Check eligibility
HSBC Purchase Plus Credit Card
Finder score
★★★★★
User survey
★★★★★
★★★★★
User rating
★★★★★
Expert analysis
0% for 18 months reverting to 24.9%
0% for 16 months
(3.49%, min £5 fee)
£0
24.9% APR (variable)
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 24.9% (variable) p.a., your representative rate is 24.9% APR (variable). You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.
Check eligibility
HSBC Premier Credit Card
Finder score
★★★★★
User survey
★★★★★
★★★★★
User rating
★★★★★
Expert analysis
0% for 9 months reverting to 23.9%
0% for 18 months
(2.99% fee (min. £5) fee)
£0
23.9% APR (variable)
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. 1 point = 1p (no min)
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).
HSBC Classic Credit Card
Finder score
★★★★★
User survey
★★★★★
★★★★★
User rating
★★★★★
Expert analysis
29.9%
29.9%
(N/A fee)
£0
29.9% APR (variable)
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).
HSBC Premier World Elite Credit Card
Finder score
★★★★★
User survey
★★★★★
★★★★★
User rating
★★★★★
Expert analysis
18.9%
18.9%
(2.99% fee, min £5 fee)
£195 per annum
59.3% APR (variable)
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. 1 point = 1p (no min)
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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Approval for any credit card depends on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances, the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.

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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 HSBC balance transfers.
  • 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 credit card banking with HSBC

HSBC was very helpful when I needed the direct debit date and current account details updated.”

HSBC customer in Finder's 2023 survey
  • 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.

HSBC customer reviews

In our 2023 customer satisfaction survey, HSBC scored 4.5 out of 5 stars, with 85% of customers saying they’d recommend the brand to a friend.

Customers praised HSBC’s easy to use and reliable service. Many customers also commented positively on HSBC’s high street branches and overall customer service. One commented: “Good communication. Issues sorted promptly”. Another commented that HSBC is a “very friendly brand” that “cares about its customers”.

Contact HSBC customer support

Live chat supportLive chat support offered through the HSBC app and online.
Telephone support HSBC customers can call 03457 404 404 from 8am to 8pm every day, and those who aren’t customers can call 03455 873 444 (except on Christmas Day, Boxing Day and New Year’s Day)
Closing your accountCall the customer service number for support.
Report card lost or stolenYou can temporarily block your card through the HSBC app or online. If you still can’t find it, HSBC will cancel it and send you a new card. You’ll get this by post within 7 working days or, if you’re outside the UK, within 10 working days. If your card does turn up, you can unblock it through the app and start using it again.

Overview of HSBC credit cards

Representative APR From 18.9% to 59.3%
0% balance transfer offer Up to 27 months
0% purchases offer Up to 18 months
0% money transfer offer No money transfer offer available
Cashback with brand Up to 10%
Cashback elsewhere Up to 2%
Cash advance From 18.9%
Introductory bonus offer Up to 40,000

Frequently asked questions

Finder credit card ratings

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

Our customer satisfaction scores ("Customers say") are based on a survey of 2,749 customers carried out in December 2022.

To find out more, read our full methodology.

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 terms of use. 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.

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