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HSBC UK Credit Cards

7 CARDS

HSBC, one of the world’s leading financial organisations, offers a variety of credit cards in the UK that provide global accessibility and travel benefits. The HSBC Rewards Credit Card, Purchase Plus Credit Card, Classic Credit Card, and Premier Card are among the popular options, featuring perks like fee-free foreign transactions, rewards programs for frequent travellers, and exclusive benefits such as higher credit limits and travel insurance for Premier and Advance customers.

HSBC

Balance Transfer Credit Card

4.5

OUR RATING

Representative APR

24.9% APR (variable)

Purchases

0% for up to 3 months, then 24.90% (variable) p.a.

Balance Transfers

0% for 33 months, then 24.90% (variable) p.a.

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 24.90% (variable) p.a., most accepted customers get a rate of 24.9% APR (variable).

4.5

OUR RATING

Quick Look

The HSBC Balance Transfer Credit Card offers up to 33 months of 0% interest on balance transfers, making it one of the longest balance transfer offers currently available. It may be a suitable choice for those looking to spread the cost of existing credit card debt over an extended period without paying interest provided the balance is cleared within the promotional window.

Issuer HSBC
Network Visa
Primary Category Balance Transfer
Loyalty Scheme
Incentive on opening 0% interest on Balance Transfers for 33 months
Cashback rate (if applicable) No cashback scheme
Account Fees £0
Purchases 0% for up to 3 months, then 24.90% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 0% for 33 months, then 24.90% (variable) p.a.
Balance Transfer Fee (%) 3.19%
Cash Advances 29.90% (variable) p.a. (fees apply)
Minimum Credit Limit £ 500.00
Maximum Credit Limit Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

HSBC

Classic Credit Card

3.7

OUR RATING

Representative APR

29.9% APR (variable)

Purchases

29.90% (variable) p.a.

Balance Transfers

29.90% (variable) p.a.

Account Fees

£0

Representative Example: At an assumed credit limit of £1,000, with a purchase rate of 29.90% (variable) p.a., most accepted customers get a rate of 29.9% APR (variable).

3.7

OUR RATING

Quick Look

The HSBC Classic credit card is a straightforward credit builder card offering basic features with no annual fees. It’s designed for individuals looking to establish or improve their credit history responsibly.

Issuer HSBC
Network Visa
Primary Category Purchases
Loyalty Scheme
Incentive on opening No annual fees
Cashback rate (if applicable) No cashback scheme
Account Fees £0
Purchases 29.90% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 29.90% (variable) p.a.
Balance Transfer Fee (%) 0.00%
Cash Advances 35.90% (variable) p.a. (fees apply)
Minimum Credit Limit £ 250.00
Maximum Credit Limit Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

HSBC

Premier Credit Card

4.1

OUR RATING

Representative APR

23.9% APR (variable)

Purchases

0% for up to 9 months, then 23.90% (variable) p.a.

Balance Transfers

0% for 18 months then 23.90% (variable) p.a.

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 23.90% (variable) p.a., most accepted customers get a rate of 23.9% APR (variable).

4.1

OUR RATING

Quick Look

The HSBC Premier credit card is a well rounded option offering 0% interest on purchases and balance transfers for introductory periods. It also features cashback incentives, making it suitable for individuals looking to manage spending and debt while earning rewards.

Issuer HSBC
Network Mastercard
Primary Category Rewards
Loyalty Scheme Points
Incentive on opening 0% interest on Balance Transfers for 18 months when transfers are made within the first 60 days. Get access to more than 1,300 airport lounges worldwide with Priority Pass at £24 per person per visit
Cashback rate (if applicable) For every £1 of eligible spend, you’ll earn 1 reward point if it’s in sterling or 2 reward points if it’s in another currency.
Account Fees £0
Purchases 0% for up to 9 months, then 23.90% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 0% for 18 months then 23.90% (variable) p.a.
Balance Transfer Fee (%) 2.99%
Cash Advances 29.90% (variable) p.a. (fees apply)
Minimum Credit Limit £ 1,500.00
Maximum Credit Limit Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

HSBC

Premier World Elite

3.8

OUR RATING

Representative APR

100.2% APR (variable)

Purchases

29.9% (variable) p.a.

Balance Transfers

29.9% (variable) p.a.

Account Fees

£290 p.a.

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 29.9% (variable) p.a., and a fee of £290 per annum, most accepted customers get a rate of 100.2% APR (variable).

3.8

OUR RATING

Quick Look

The HSBC Premier World Elite credit card carries a high annual fee but offers substantial rewards, including double points on purchases made abroad. It is designed for high spenders and frequent travellers seeking premium benefits and enhanced rewards on international spending.

Issuer HSBC
Network Mastercard
Primary Category Rewards
Loyalty Scheme Points
Incentive on opening 40,000 Reward points when you spend £2,000 on card in first 90 days of card membership. Get access to more than 1,300 airport lounges worldwide with Priority PassPriority Pass. Get up to 14% off bookings at more than 180,000 Agoda hotels, and 10% off at Expedia hotels.
Cashback rate (if applicable) For every £1 of eligible spend, you’ll earn 3 reward point if it’s in sterling or 4 reward points if it’s in another currency. Spend £12,000 or more on your card within your first 12 months of membership to receive a further 40,000 reward points at the anniversary of card membership.
Account Fees £290 p.a.
Purchases 29.9% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 29.9% (variable) p.a.
Balance Transfer Fee (%) 0.00%
Cash Advances 29.9% (variable) p.a. (fees apply)
Minimum Credit Limit £ 5,000.00
Maximum Credit Limit Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

HSBC

Purchase Plus

4.5

OUR RATING

Representative APR

24.9% APR (variable)

Purchases

0% for up to 20 months, then 24.90% (variable) p.a.

Balance Transfers

0% for 17 months, then 24.90% (variable) p.a.

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 24.90% (variable) p.a., most accepted customers get a rate of 24.9% APR (variable).

4.5

OUR RATING

Quick Look

The HSBC Purchase Plus credit card offers 0% interest on purchases for the first 20 months, along with 0% interest on balance transfers for the first 17 months. This makes it a versatile option for managing both new spending and existing debt without incurring interest during the promotional periods.

Issuer HSBC
Network Visa
Primary Category Purchases
Loyalty Scheme
Incentive on opening There's no annual fee for the Purchase Plus Credit Card.
Cashback rate (if applicable) No cashback scheme
Account Fees £0
Purchases 0% for up to 20 months, then 24.90% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 0% for 17 months, then 24.90% (variable) p.a.
Balance Transfer Fee (%) 3.49%
Cash Advances 29.90% (variable) p.a. (fees apply)
Minimum Credit Limit £ 500.00
Maximum Credit Limit Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

HSBC

Rewards Credit Card

4.7

OUR RATING

Representative APR

23.9% APR (variable)

Purchases

0% for up to 6 months, then 23.90% (variable) p.a.

Balance Transfers

0% for 6 months, then 23.90% (variable) p.a. (2.99% fee)

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 23.90% (variable) p.a., most accepted customers get a rate of 23.9% APR (variable).

4.7

OUR RATING

Quick Look

The HSBC Rewards credit card is designed for HSBC customers, offering a points scheme on purchases made in GBP with no annual fees. Cardholders also earn double points on purchases made in other currencies, making it a versatile rewards card for local and international spending.

Issuer HSBC
Network Mastercard
Primary Category Rewards
Loyalty Scheme Points
Incentive on opening Get 2,500 welcome points worth £25 when you make your first transaction on your card. Get another 2,500 bonus points when you spend £10,000 or more on your card in the first year.
Cashback rate (if applicable) For every £1 of eligible spend, you’ll earn 1 reward point if it’s in sterling or 2 reward points if it’s in another currency.
Account Fees £0
Purchases 0% for up to 6 months, then 23.90% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 0% for 6 months, then 23.90% (variable) p.a. (2.99% fee)
Balance Transfer Fee (%) 2.99%
Cash Advances 29.90% (variable) p.a. (fees apply)
Minimum Credit Limit £ 500.00
Maximum Credit Limit Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

HSBC

Student Credit Card

3.5

OUR RATING

Representative APR

18.9% APR (variable)

Purchases

18.90% (variable) p.a.

Balance Transfers

18.90% (variable) p.a.

Account Fees

£0

Representative Example: At an assumed credit limit of £500, with a purchase rate of 18.90% (variable) p.a., most accepted customers get a rate of 18.9% APR (variable).

3.5

OUR RATING

Quick Look

The HSBC Student credit card is a straightforward option for students, featuring an 18.9% APR variable and no annual fees. It’s designed to help students build credit while managing costs responsibly.

Issuer HSBC
Network Visa
Primary Category Student
Loyalty Scheme
Incentive on opening No annual fees with this credit builder card
Cashback rate (if applicable) No cashback scheme
Account Fees £0
Purchases 18.90% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 18.90% (variable) p.a.
Balance Transfer Fee (%) 0.00%
Cash Advances 23.60% (variable) p.a. (fees apply)
Minimum Credit Limit £ 500.00
Maximum Credit Limit £500

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

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34.4% Representative APR (variable)

Mintify Limited, trading as Mintify, is an Introducer Appointed Representative of Creditec Limited who acts as a credit broker, not a lender.