HSBC credit cards

HSBC is not only one of the country’s largest banks it is a global bank with millions of customers around the world. Here in the UK it is one of the main current account providers and offers a full range of services and products to its customers including mortgages, loans, savings and investments.

HSBC credit card for existing customers

0% for 23 months on balance transfers
(3.3% fee)
0% for 3 months on purchases
17.9% Representative
APR (variable)

Representative Example: If you spend £1200 at a purchase rate of 17.9% (variable) your Representative APR will be 17.9% (variable).

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Cards listed by combined duration of 0% balance transfer offer.

Product Name	Balance Transfer	Purchases	Rewards	Representative APR (Variable)	Product Reviews
HSBC Credit Card for Existing Customers	0% 23 months 3.3% fee	0% 3 months	Travel	17.9% APR	Read review
Exclusive to HSBC c/a customers 8% HSBC travel club discount Non HSBC customers not eligible The interest rate charged on balance transfer after the introductory period will be 17.9% APR. In order to transfer a balance at the introductory rate this must be undertaken within the first 30 days of account opening. You will not be charged interest on any purchases for the first three months. Once the 0% period ends you will be charged an annual percentage rate (APR) of 17.9% on any purchases you make. You will receive up to an 8% discount on holidays booked through the HSBC Travel Service. Refer to provider for full details. Receive up to 56 days interest free on new purchases if you pay your statement in full and on time every month. The minimum repayment on this card is interest, default charges and any payment protection insurance premium plus 1% of the principal, or 2.5% of the balance or £5 whichever is higher, or if less than £5, your statement balance. HSBC will assess your personal circumstances and credit history to determine the APR available to you. This may result in you being offered a different rate than that quoted. The HSBC Credit Card charges no interest on balance transfers for 23 months, but you can only apply if you have a HSBC current account. This isn't the only restriction. You must pay more than £500 a month into your current account and have a salary of £8,500 or more to qualify. If you are a student account holder you don't need to pay a minimum amount or salary into your account. If you are transferring debts from another card you need to act quickly, as the 0% rate only applies to balances transferred within 30 days of you opening your account. All balance transfers are subject to a 3.3% handling fee, with a minimum charge of £5. As well as offering no interest on balance transfers for 23 months, the card charges no interest on purchases for the first three months. After that, the card has a variable APR of 17.9% so if you are using the card for spending you should try to clear your purchase debts within the introductory period. The card has no annual fee and offers 24-hour worldwide assistance and an emergency cash advance if your card is lost of stolen. You can also get up an 8% discount on Thomas Cook holidays booked through the HSBC Travel Club.
Representative Example: If you spend £1,200 at a purchase interest rate of 17.9% (variable) your Representative APR will be 17.9% (variable).
John Lewis and Waitrose Partnership Card	0% 6 months 2.5% fee	0% 6 months	Shopping	16.9% APR	Read review
1 point / £1 spent at John Lewis group 1 point / £2 spent elsewhere You can choose from 4 card colours No BT between cards of HSBC Group The interest charged on balance transfers after the introductory rate period is 16.9% APR. The interest rate charged on purchases after the introductory rate period is 16.9% APR. Receive 1 point per £1 spent at John Lewis, JohnLewis.com, Waitrose, Waitrose.com, John Lewis Insurance and Greenbee.com and 1 point per £2 spent elsewhere. Every 500 points you earn is worth £5 in vouchers. Convert points into vouchers to spend (issued 3 times a year). You also get access to exclusive partnership cardholder events and special offers. Receive up to 56 days interest free on new purchases if you pay your statement in full and on time every month. The minimum repayment on this card is interest, default charges and any PPI or payment freeze premiums plus 1% of the principal, or 3% of the balance or £5 whichever is the highest. Review to follow
Representative Example: If you spend £1,200 at a purchase interest rate of 16.9% (variable) your Representative APR will be 16.9% (variable).
HSBC Premier Credit Card	11.9% - 2.9% fee	0% 9 months	Rewards	11.9% APR	Read review
Exclusive to HSBC Premier customers 2 points / £10 spent Low standard APR Individual income of £100,000 or over Savings/investments of £50,000 with HSBC Non HSBC Premier customers not eligible There is no introductory balance transfer offer on this product and any transfers will incur 11.9% interest rate. The interest rate charged on purchases after the introductory period will be 11.9% APR. With your HSBC Premier Credit Card, you'll receive membership to the HSBC Premier Rewards Programme. For every £10 you spend on your credit card you'll receive 2 points. Also receive up to 8% discount on flights and holidays through HSBC Premier Travel Offers. Receive up to 56 days interest free on new purchases if you pay your statement in full and on time every month. The minimum repayment on this card is interest, default charges and any payment protection insurance premium plus 1% of the principal, or 2.5% of the balance or £5 whichever is higher, or if less than £5, your statement balance. Review to follow
Representative Example: If you spend £1,200 at a purchase interest rate of 11.9% (variable) your Representative APR will be 11.9% (variable).
HSBC Commercial Card	15.9% - 0% fee	15.9% -	Shopping Travel	15.9% APR	Read review
Exclusive to HSBC Business c./a holders No annual fee for the first year Special offers services and discounts Non HSBC Business customers not eligible £32 annual fee after the first year Availability of balance transfer is at the discretion of HSBC. There is no introductory purchases offer on this product and any purchases will incur 15.9% interest rate. With this card you will get a dedicated travel team for all your travel needs including: airport lounge access and parking, flights, hotels, and car rental. You will also get special offers services and discounts from a range of suppliers, from corporate hospitality to discounted retail vouchers and a business card offers website saving you time and money by putting a range of great offers in one place for easy access. Receive up to 56 days (38 days if you pay in full each month by Direct Debit) on purchases and cash advances if you pay your whole balance, including any balance transfers, in full within 25 days of the statement date. The minimum monthly repayment on this card is £5 or 3% of the standard balance (whichever is greater) plus, in relation to each balance transfer being charged at a promotional rate, £5 or 3% of each such balance (whichever is greater) or the account balance if less than £5. Review to follow.
Representative Example: If you spend £1,500 at an annual interest rate of 15.9% (variable) with a £32 annual Fee your Representative APR will be 15.9% (variable).
HSBC Student Credit Card	- - -	18.9% -	Travel	18.9% APR	Read review
Up to 8% discounts on holidays 24 hour worldwide assistance Must hold a HSBC Student Bank Account Balance transfers are not available with this card. There is no introductory purchases offer on this product and any purchases will incur 18.9% interest rate. You will receive up to an 8% discounts on leading tour operator holidays when booked through the HSBC Travel Service. Receive up to 56 days interest free on new purchases if you pay your statement in full and on time every month. The minimum repayment on this card is interest, default charges and any payment protection insurance premium plus 1% of the principal, or 2.5% of the balance or £5 whichever is higher, or if less than £5, your statement balance. Review to follow.
Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% (variable) your Representative APR will be 18.9% (variable).

HSBC credit card guide
Glossary of terms

HSBC credit card guide

HSBC is not only one of the country’s largest banks it is a global bank with millions of customers around the world.

Here in the UK it is one of the main current account providers and offers a full range of services and products to its customers including mortgages, loans, savings and investments. When it comes to credit cards HSBC doesn’t offer a large range of cards as some of its competitors do, instead it has one credit card and it is only available to current account customers.

That said if you are eligible, it is a competitive deal offering one of the longest interest-free periods on the market.

If you’re worried about losing your card or having it stolen, HSBC offer CardGuard, a form of insurance which safeguards against financial loss should your card go missing. If your card is lost or stolen while you are abroad, HSBC will send you an emergency cash advance to cover any expenses. Each credit card also comes with a fraud detection system which alerts you if any suspicious activity takes place on your account.

Frequent holiday-makers can get a discount on Thomas Cook holidays when booked through HSBC travel club. If you’re a member of this, you will earn points every time you use your HSBC credit card. These points can then be redeemed for money off the course of a holiday.

HSBC customers in some parts of the UK have recently enjoyed the new PayPass technology, which eliminates the need to enter your PIN for purchases under £10 at selected retailers. Instead, it uses a card reader which checks the data contained on your card and automatically deducts the amount from your account.

Glossary of terms

APR

This stands for Annual Percentage Rate. Any firm that lends money is required by law to quote the APR. Introductory rates do not include arrangement fees you may be charged and also don’t reflect any higher rate of interest that your borrowings will ultimately revert to. The APR takes into account the interest on a loan plus and additional charges making it easier for you to compare products. In general, the lower the APR the better the deal.

Balance Transfer

Balance transfer rates are applied to existing card debt that is being moved from one issuer to another or a consolidation of other debts. These rates tend to be lower than standard rates and apply to the debt transferred or consolidated for a specified term or until it is repaid in full.

Credit Card

Credit cards are a form of borrowing used to purchase goods and services, to obtain cash advances and for consolidating debt.

Direct Debit

This allows an organisation to take money directly from a persons bank account

Minimum payment

The amount you must pay each month to keep your account in order

Interest-free period

The time between when you buy something on the card and the date when you must pay your monthly bill. This can be 50 days or more and is interest-free. So if you settle your bill in full every month, it's free borrowing.

Promotional Rate

A rate that is applied to your account until a given expiry date. Thereafter it will revert to the rate applicable to your account at that time.

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HSBC credit card for existing customers

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HSBC credit card guide

Glossary of terms

APR

Balance Transfer

Credit Card

Direct Debit

Minimum payment

Interest-free period

Promotional Rate

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