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

    • Provider/Product name Premier Credit Card

      HSBC

      Premier Credit Card

    • Balance transfer - -
    • Purchases 0% 9 months
    • Rewards Rewards
    • Representative APR (variable) 11.9%APR
    • Your chance of approval

      Will you get this card?

      Start >>
    • Sorry, we have no link

      More details

    Great for
    Exclusive to HSBC Premier customers
    Earning two points per £10 spent
    A low standard APR
    But be aware that
    Non HSBC Premier customers are not eligible

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 11.9% (variable) your representative APR will be 11.9% (variable).

    • Provider/Product name Commercial Card

      HSBC

      Commercial Card

    • Balance transfer - -
    • Purchases 15.9%
    • Rewards Shopping
    • Representative APR (variable) 15.9%APR
    • Your chance of approval

      Will you get this card?

      Start >>
    • Sorry, we have no link

      More details

    Great for
    Special offers and discounts from leading retailers
    No annual fee in first year
    But be aware that
    You must have a HSBC Business Current Account to apply
    A £32 annual fee applies after the first year

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 15.9% (variable) with a £32 annual Fee your representative APR will be 15.9% (variable).

    • Provider/Product name Partnership Card

      John Lewis and Waitrose

      Partnership Card

    • Balance transfer 0% 6 months 2.5%fee
    • Purchases 0% 6 months
    • Rewards Rewards
    • Representative APR (variable) 16.9%APR
    • Your chance of approval

      Will you get this card?

      Start >>
    • Sorry, we have no link

      More details

    Great for
    Earning one point per £1 spent at John Lewis & Waitrose
    Earning one point per £2 spent elsewhere
    A choice of four different card colours
    But be aware that
    You cannot transfer a balance from another HSBC Group card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 16.9% (variable) your representative APR will be 16.9% (variable).

    • Provider/Product name Credit Card for Existing Customers

      HSBC

      Credit Card for Existing Customers

    • Balance transfer 0% 30 months 3.3%fee
    • Purchases 0% 3 months
    • Rewards Travel
    • Representative APR (variable) 18.9%APR
    • Your chance of approval

      Will you get this card?

      Start >>
    • Sorry, we have no link

      More details

    Existing Customer Only

    This card is only available to HSBC current account customers

    Great for
    home&Away Privilege Programme
    But be aware that
    You cannot transfer a balance from a HSBC Group card
    The APR is dependent on your personal circumstances

    Representative Example:

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

    • Provider/Product name Student Credit Card

      HSBC

      Student Credit Card

    • Balance transfer - -
    • Purchases 18.9%
    • Rewards Travel
    • Representative APR (variable) 18.9%APR
    • Your chance of approval

      Will you get this card?

      Start >>
    • Sorry, we have no link

      More details

    Great for
    24 hour worldwide assistance
    Access to holiday discounts
    But be aware that
    You must hold a HSBC Student Bank Account

    Representative Example:

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

Guide to HSBC credit cards

Global bank, HSBC offers a full range of credit cards to meet the needs of its varied customer base.

Existing current account customers can get an exclusive HSBC credit card that offers a long interest free period on balance transfers, as well as 0% interest on purchases and access to the HSBC home&away Privilege Programme.

Read more

Balance transfers on this card are subject to a 3.3% fee and after the introductory period ends you can expect to pay a representative APR of around 18.9% (variable).

Students who hold an account with HSBC can take out a student credit card which, again, offers access to the HSBC home&away Privilege Programme and comes with a representative APR of 18.9% (variable).

The HSBC Premier credit card works as both a low standard rate and a rewards card, offering a low representative APR of 11.9% (variable) and two rewards points for every £10 spent. Although there is no balance transfer facility, the card also offers nine months of interest-free purchases and access to the HSBC Privilege Programme.

However, this card is only available to HSBC Premier customers who must have an individual income of £100,000 per year and £50,000 worth of savings or investments with the bank – so it’s not for everyone!
Business customers can take advantage of the HSBC Commercial card, which does not offer interest free introductory periods but the card does have a relatively low representative APR of 15.9% (variable).

Although non-HSBC customers cannot apply for HSBC credit cards, they can apply for partnership cards that are provided by the bank. For instance, the John Lewis and Waitrose Partnership Card offers 0% interest on purchases and balance transfers for six months (balance transfers are subject to a 2.5% fee) after which time the representative APR jumps to 16.9% (variable).

The card also doubles up as a reward card, offering one point for every £1 spent at John Lewis group stores and one point for every £2 spent elsewhere.

Is an HSBC credit card right for me?

If you are an existing HSBC customer and you are eligible for one of its credit cards, then there should be a card that suits your needs and circumstances. And even if you don’t bank with HSBC, you may be eligible for one of its Partnership cards, provided you have a suitable credit score.

It could be worthwhile using MoneySupermarket’s Smart Search tool to gauge your chances of acceptance before applying as a refused application can have a negative impact upon your credit score.

If your card is lost or stolen while you’re away, the bank will offer you a cash advance to cover expenses.

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 to 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’ve probably better off choosing a different card.

Consider a different card
Not eligible
1/10
2/10
3/10
4/10
5/10
Your chances are good
6/10
7/10
8/10
9/10
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.

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.

We're free, independent and compare all UK credit cards as well as offering exclusive deals you can't get anywhere else.

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