HSBC credit cards

HSBC credit cards are designed to meet the needs of a wide range of customers; from students looking to start building their credit history, to those with an outstanding credit card balance looking to take advantage of interest-free offers. As well as HSBC branded Visa credit cards, the bank also provides MasterCard credit cards for companies such as John Lewis.

Compare HSBC credit cards - Sorted by APR

  1. Limited offer

    Receive £30 when you successfully apply. You cannot apply for this offer anywhere else. Conditions apply, see T&Cs. Ends 28th October

    Great for
    Receive £30 when you apply and complete either a balance transfer or a minimum of three transactions using Apple Pay or Android Pay within 60 days of account opening. T&Cs apply
    If you're accepted, you'll get 32 months at 0% on balance transfers, as long as you transfer the balance in the first 60 days
    But be aware that
    You'll have to pay a balance transfer fee of 1.4% or £5, whichever is higher
    You must transfer a balance within the first 60 days to get the promotional offer
    You must earn at least £8,500 a year to be eligible for this card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

Guide to HSBC credit cards

Global bank HSBC offers a range of credit cards including balance transfer cards and student credit cards. 

It also provides cards which are only available to HSBC Premier customers, who must have an individual income of £100,000 per year and a mortgage or investment with the bank, or £50,000 worth of savings or investments with HSBC. All HSBC cards come with 24-hour worldwide assistance with an emergency cash advance if your card is lost or stolen.

HSBC is the providers behind some store partnership cards too, which double up as reward cards, offering points when you spend using them. 

HSBC credit cards are fully regulated by the city regulator the Financial Conduct Authority (FCA).

Credit cards give you valuable consumer protection that cash and debit cards don’t. Under Section 75 of the Consumer Credit Act, if you pay for goods or services using a credit card, the card provider is jointly liable with the retailer if something goes wrong. This protection only applies to items or services costing between £100 and £30,000. So, for example, if you ordered a bed costing £500 and the shop you bought it from goes bust before it is delivered, the credit card provider should provide you with a full refund.

Your personalised chance of approval

We've taken the details you gave, and used them to show you personalised scores to tell you the chance that your application for each card would be successful.

Why is this important?

Every time you apply for a credit card, a mark is left on your credit score. That means it's better get it right first time. Your scores help you understand which cards you have the strongest chance of getting.

It's easy!

The higher the score, the stronger chance you have of getting the card. If you see a very low score, you're probably better off choosing a different card.

Consider a different card
Not eligible
Your chances are good
You've been pre approved

If you see a high score, you can be fairly confident. The scores aren't a guarantee, as acceptance of your application is at the sole discretion of the card issuer, but they should help guide your choice.

If you see a pre-approved score it may be subject to you passing additional ID and fraud checks by the provider.

Not rated

In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer’s acceptance criteria or we have not been able to match your details at the credit bureau.

We work closely with our partners to improve our eligibility scores for all products that are of interest to you.

Set up a direct debit

If you’ve got debt to pay off, the easiest way to manage it is by setting up a direct debit to make sure you pay it off before the end of the interest free period.

For example, if you transfer a balance of £2,400 to a card that charges zero interest on balance transfers for 24 months, you could set up a direct debit for £100 a month and you would be debt-free by the end of the 0% offer.

If you can’t pay off the debt before the 0% deal expires, you could try to switch to another balance transfer offer at the end of the term. If that fails, you will start to be charged interest at the card issuer’s standard rate.

Some people choose to clear the outstanding balance in a lump sum at the end of the 0% offer. That’s fine, as long as you remember to make the minimum payment on the card each month – if you don’t, you’ll incur penalty charges.

And remember to make a note of the date when the full amount is due.

Where to next?

What is a good credit score?

Will I be accepted for a credit card? 

How long will it take to be accepted for a credit card? 

Moneysupermarket is a credit broker – this means we’ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a fee by the lenders – though the size of that payment doesn’t affect how we show products to customers.


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