HSBC Student Credit Card
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).
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 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.
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 | Student |
| Loyalty Scheme | |
| Incentive on opening | No annual fees come with this credit builder card. Help is at hand if your card is lost or stolen with 24/7 worldwide assistance. |
| Cashback/Rewards (if applicable) | No cashback scheme |
| Account Fee | £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 |
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 | 3% |
| Cash Withdrawal Minimum Charge | £ 3 |
| Foreign Usage EU | 2.99% |
| Foreign Usage World | 2.99% |
Application Requirements
| Availability | Only available to existing HSBC customers holding a Student Bank Account. |
|---|---|
| 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 who acts as a credit broker, not a lender.
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