Find the best card for balance transfers

Take control of your finances and save money if you move your existing card balances to one of our balance transfer cards. You’ll also enjoy all the rewards and benefits you get from being an HSBC customer.

Why get a balance transfer credit card with HSBC?

Our best credit cards for balance transfers

  • 0% interest on balance transfers for 32 months from date of transfer, for transfers within first 60 days of account opening - a 1.4% fee applies (minimum £5)*

Available to all customers –  eligibility criteria apply

Representative Example

  • 21.9% APR (variable) representative
  • 21.9% p.a. (variable) purchase rate
  • Based on an assumed credit limit of £1,200

Credit is subject to status, affordability and applicable terms and conditions.

  • 0% interest on balance transfers for 32 months from date of transfer, for transfers within first 60 days of account opening - a 1.3% fee applies (minimum £5)*

Available exclusively to Advance customers – eligibility criteria apply

Representative Example

  • 21.9% APR (variable) representative
  • 21.9% p.a. (variable) purchase rate
  • Based on an assumed credit limit of £1,200

Credit is subject to status, affordability and applicable terms and conditions.

  • 0% interest on balance transfers for 18 months from date of transfer, for transfers within first 60 days of account opening – a 2.99% fee applies (minimum £5)*

Available to all customers – eligibility criteria apply 

Representative Example

  • 22.9% APR (variable) representative
  • 22.9% p.a. (variable) purchase rate
  • Based on an assumed credit limit of £1,200

Credit is subject to status, affordability and applicable terms and conditions.

  • 0% interest on balance transfers for 18 months from date of transfer, for transfers within first 60 days of account opening – a 1.4% fee applies (minimum £5)*

Available exclusively to Premier customers – eligibility criteria apply 

Representative Example

  • 18.9% APR (variable) representative
  • 18.9% p.a. (variable) purchase rate
  • Based on an assumed credit limit of £1,200

Credit is subject to status, affordability and applicable terms and conditions.

*At the end of the promotional period, balance transfers and purchases will revert to the standard variable rate.

Quick comparison

Card Feature

Balance Transfer Credit Card

Advance Credit Card

Matched Credit Card

Premier Credit Card
Promotional Offers
£25 cashback. T&Cs apply.
£25 cashback. T&Cs apply.
n/a Bonus reward points. T&Cs apply.

0% balance transfer period

(for balances transferred within the first 60 days of account opening)

32 months
from date of transfer

32 months
from date of transfer

18 months
from date of transfer

18 months
from date of transfer

0% purchase period

3 months
from account opening

3 months
from account opening

18 months
from account opening

9 months
from account opening
Balance transfer fee 1.4% (minimum £5)
for balances transferred in the first 60 days
1.3% (minimum £5)
for balances transferred in the first 60 days
2.99% (minimum £5)
for balances transferred in the first 60 days
1.4% (minimum £5)
for balances transferred in the first 60 days

Representative Example (on an assumed credit limit of £1200)

21.9% APR (variable)
representative
21.9% p.a (variable)
Purchase rate

21.9% APR (variable)
representative
21.9% p.a (variable)
Purchase rate

22.9% APR (variable)
representative
22.9% p.a (variable)
Purchase rate

18.9% APR (variable)
representative
18.9% p.a (variable)
Purchase rate

Annual fee

£0

 

£0

 

£0

 

£0
Eligibility criteria
  • have an annual income/pension before tax of £8,500 or more
  • be a UK resident
  • be over 18
  • have an annual income/pension before tax of £8,500 or more
  • be a UK resident
  • be over 18
  • be an existing HSBC Advance customer
  • have an annual income/pension before tax of £8,500 or more
  • be a UK resident
  • be over 18
  • have an annual income/pension before tax of £8,500 or more
  • be a UK resident
  • be over 18
  • be an existing HSBC Premier customer

Quick comparison

Card Feature

Promotional Offers

Balance Transfer Credit Card

£25 cashback. T&Cs apply.

Advance Credit Card

£25 cashback. T&Cs apply.

Matched Credit Card

n/a
Premier Credit Card
Bonus reward points. T&Cs apply.

Card Feature

0% balance transfer period

(for balances transferred within the first 60 days of account opening)

Balance Transfer Credit Card

32 months
from date of transfer

Advance Credit Card

32 months
from date of transfer

Matched Credit Card

18 months
from date of transfer

Premier Credit Card
18 months
from date of transfer

Card Feature

0% purchase period

Balance Transfer Credit Card

3 months
from account opening

Advance Credit Card

3 months
from account opening

Matched Credit Card

18 months
from account opening

Premier Credit Card
9 months
from account opening

Card Feature

Balance transfer fee

Balance Transfer Credit Card

1.4% (minimum £5)
for balances transferred in the first 60 days

Advance Credit Card

1.3% (minimum £5)
for balances transferred in the first 60 days

Matched Credit Card

2.99% (minimum £5)
for balances transferred in the first 60 days
Premier Credit Card
1.4% (minimum £5)
for balances transferred in the first 60 days

Card Feature

Representative Example (on an assumed credit limit of £1200)

Balance Transfer Credit Card

21.9% APR (variable)
representative
21.9% p.a (variable)
Purchase rate

Advance Credit Card

21.9% APR (variable)
representative
21.9% p.a (variable)
Purchase rate

Matched Credit Card

22.9% APR (variable)
representative
22.9% p.a (variable)
Purchase rate

Premier Credit Card
18.9% APR (variable)
representative
18.9% p.a (variable)
Purchase rate

Card Feature

Annual fee

Balance Transfer Credit Card

£0

 

Advance Credit Card

£0

 

Matched Credit Card

£0

 

Premier Credit Card
£0

Card Feature

Eligibility criteria

Balance Transfer Credit Card

  • have an annual income/pension before tax of £8,500 or more
  • be a UK resident
  • be over 18

Advance Credit Card

  • have an annual income/pension before tax of £8,500 or more
  • be a UK resident
  • be over 18
  • be an existing HSBC Advance customer

Matched Credit Card

  • have an annual income/pension before tax of £8,500 or more
  • be a UK resident
  • be over 18
Premier Credit Card
  • have an annual income/pension before tax of £8,500 or more
  • be a UK resident
  • be over 18
  • be an existing HSBC Premier customer

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