HSBC Premier Credit Card
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).
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 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.
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 | 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/Rewards (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 Fee | £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 |
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 HSBC Premier customers. |
|---|---|
| Minimum Income | £ 0 |
| 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 and is acting as a credit broker, not a lender.
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