HSBC Balance Transfer Credit Card
Representative APR
24.9% APR (variable)
Purchases
0% for up to 3 months, then 24.90% (variable) p.a.
Balance Transfers
0% for 35 months, then 24.90% (variable) p.a. (3.19% transfer fee)
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).
Editor’s Note: While we always aim to give you accurate product information at the point of publication, rates, prices, terms and promotions can always be changed by the provider afterwards and without notice, so be sure to double check first.
Our Verdict
The HSBC Balance Transfer Credit Card offers up to 35 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.
Important: The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer.
Product Features & Benefits
| Issuer | HSBC |
|---|---|
| Network | Visa |
| Primary Category | Balance Transfer |
| Loyalty Scheme | |
| Incentive on opening | 0% interest for 35 months on balance transfers made within 60 days of account opening. Benefit also from 0% interest on all purchases for the first 3 months only. |
| Cashback/Rewards (if applicable) | No cashback scheme |
| Account Fee | £0 |
| Purchases | 0% for up to 3 months, then 24.90% (variable) p.a. |
| Purchases Interest Free Period | 56 days |
| Balance Transfers | 0% for 35 months, then 24.90% (variable) p.a. (3.19% transfer fee) |
| 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 |
Fees & Charges
| Account Fee | £0 |
|---|---|
| Late Payment | £ 12 |
| Returned Payment | £ 5 |
| Exceed Limit | £ 12 |
| Duplicate Statement | £ 0 |
| Replacement Card | £ 0 |
| Trace Fee | £ 0 |
| Cash Withdrawal Fee | 2.99% |
| Cash Withdrawal Minimum Charge | £ 3 |
| Foreign Usage EU | 2.99% |
| Foreign Usage World | 2.99% |
Application Requirements
| Availability | Only available to those without an HSBC basic bank account. Introductory rates only apply if you haven't held an HSBC credit card within the last six months |
|---|---|
| Minimum Income | £ 6,800 |
| Minimum Age | 18 |
| Residency | Permanent resident in the UK. |
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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.
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