Compare HSBC UK credit cards

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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

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Name	Product	Finder score	Purchases	Balance transfers	Annual/monthly fees	Representative APR	Incentive	Link
HSBC Balance Transfer Credit Card HSBC Balance Transfer Credit Card		4.0 ★★★★★	0% for 3 months reverting to 24.9%	0% for 26 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. 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 Read review	Compare	loading Fetching your data...
HSBC Purchase Plus Credit Card HSBC Purchase Plus Credit Card		4.0 ★★★★★	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 Read review	Compare	loading Fetching your data...
HSBC Student Credit Card Visa HSBC Student Credit Card Visa		3.5 ★★★★★	18.9%	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).	Read review	Compare	loading Fetching your data...
HSBC Premier Credit Card HSBC Premier Credit Card		3.5 ★★★★★	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).	Read review	Compare	loading Fetching your data...
HSBC Rewards Credit Card HSBC Rewards Credit Card		4.0 ★★★★★	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).	Read review	Compare	loading Fetching your data...
HSBC Classic Credit Card HSBC Classic Credit Card		4.0 ★★★★★	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).	Read review	Compare	loading Fetching your data...
HSBC Premier World Elite Credit Card HSBC Premier World Elite Credit Card		4.0 ★★★★★	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).	Read review	Compare	loading Fetching your data...

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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

• 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 2024 customer satisfaction survey, 84% of HSBC credit card customers stated that they’d recommend it to a friend. Several customers said that the brand had good customer service as well as good rates. One customer said that their credit card was “easy to use, contactless, and easy to pay off every month using the app or online banking.”

However, on Trustpilot, the bank overall received a score of just 1.5 out of 5, with several HSBC customers citing problems accessing their bank account when abroad (updated February 2024).

Contact HSBC customer support

Overview of HSBC credit cards

Frequently asked questions

• What is an eligibility check?

  This is a credit check that other lenders will not see, so it does not affect your overall credit rating.

• What does the eligibility check result mean?

  The result simply indicates whether you are likely to be accepted for an HSBC credit card. If you do not pass the eligibility check you will not be able to get a credit card.

• Why might I see a different rate during the application process?

  When you are applying for a card, you see a standard APR. This may however change once you have submitted an application form and the rate offered might be based on things like your credit score and affordability assessment.

• How can I apply for a credit card?

  You can apply via phone, by online application form or in an HSBC branch.

• I have a HSBC Mastercard credit card. Can I access Priceless Cities?

  All Mastercard credit cardholders are entitled to use their Priceless Cities rewards programme which offers access to exclusive experiences and discounts.

• Does HSBC offer student credit cards?

  Yes, HSBC has a student credit card available to existing cutsomers only. With the credit card, you’ll have access to HSBC’s Home and Away which has exclusive discounts and offers for dining experiences, leisure activities and shopping. Learn more about student credit cards and see if it’s the right option for you.