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Compare interest rates, benefits and rewards. Credit is subject to status, affordability and applicable terms and conditions.

At a glance

Enjoy our longest interest-free period for balance transfers, plus cashback and rewards

Discover the all-rounder that has interest free periods on purchases and balance transfers

Get travel benefits, rewards and HSBC Premier Privileges - just for HSBC Premier customers

Earn reward points on eligible purchases you make

Balance transfer

At the end of any promotional period, balance transfers will revert to the standard variable rate.[@balance-transfer-disclaimer]

0% for 29 months on balance transfers made within 60 days of account opening. A 2.75% fee applies for each balance transferred, minimum £5

0% for 18 months on balance transfers made within 60 days of account opening. A 2.9% fee applies for each balance transferred, minimum £5

0% for 18 months on balance transfers made within 60 days of account opening. A 1.4% fee applies for each balance transferred, minimum £5

0% for 6 months on balance transfers made within 60 days of account opening. A 2% fee applies for each balance transferred, minimum £5

Purchases introductory rate

At the end of any promotional period, purchases will revert to the standard variable rate.

0% on purchases for 3 months after account opening. For new HSBC credit card customers only.

0% on purchases for 18 months after account opening. For new HSBC credit card customers only.

0% on purchases for 9 months after account opening. For new HSBC credit card customers only.

0% on purchases for 6 months after account opening. For new HSBC credit card customers only.

Representative example

Representative APR: 21.9% APR (variable)

Representative APR: 22.9% APR (variable)

Representative APR: 18.9% APR (variable)

Representative APR: 21.9% APR (variable)

Purchase rate: 21.9% p.a. (variable)

Purchase rate: 22.9% p.a. (variable)

Purchase rate: 18.9% p.a. (variable)

Purchase rate: 21.9% p.a. (variable)

Based on an assumed credit limit of £1,200

Based on an assumed credit limit of £1,200

Based on an assumed credit limit of £1,200

Based on an assumed credit limit of £1,200

Annual fee: No annual fee

Annual fee: No annual fee

Annual fee: No annual fee

Annual fee: No annual fee

Can you apply?

Quick check

You can check the full eligibility criteria later

  • For new and existing HSBC customers

  • For new and existing HSBC customers

  • For HSBC Premier customers

  • For existing HSBC customers

  • Annual income / pension before tax of £6,800 or more

  • Annual income / pension before tax of £6,800 or more

  • No specific annual income / pension requirements

  • Annual income / pension before tax of £6,800 or more

  • Must be a UK resident

  • Must be a UK resident

  • Must be a permanent UK resident or hold a valid UK visa

  • Must be a UK resident

  • Must be over 18

  • Must be over 18

  • Must be over 18

  • Must be over 18

  • Must not hold an HSBC Basic Bank Account

  • Must not hold an HSBC Basic Bank Account

  • Have an HSBC Premier Account

  • Have an HSBC Advance Account OR HSBC Bank or Premier Account with HSBC UK into which you've paid a total of £1,750 a month over the last 6 months, not including money transferred from joint or sole personal accounts held with HSBC UK

Benefits

Terms and conditions apply.

  • Not applicable

  • Not applicable

  • Get 10% off on bookings at more than 180,000 Agoda hotels

  • Enjoy a 10% discount on selected Expedia hotels

  • Enjoy 12 months of Expedia+ Gold Membership

  • Access more than 750 airport lounges worldwide for £20 per person, per visit with Lounge Key

  • Get up to 2 years extended warranty from Domestic & General Insurance plc on selected household appliances

  • Discover exclusive discounts and experiences with Premier Privileges

  • Get 2,500 welcome points worth £25 when you make your first transaction on your card

Rewards

Terms and conditions apply.
  • Not applicable

  • Not applicable

  • Exchange your reward points for a selection of Laithwaite's quality wines

  • Redeem your reward points for vouchers from M&S, Amazon and Sainsbury's

  • Convert your reward points into frequent flyer miles with British Airways, Etihad, Asia Miles and Singapore Airlines

  • Earn 1 reward point for every £1 you spend in sterling [@sterling-transactions], and 2 points for every £1 spent in other currencies

  • Use reward points for everyday purchases wherever your card is accepted, in-store or online

  • Earn up to 10 reward points for every £1 you spend at selected stores, including Morrisons, White Stuff and Gousto

  • Earn 1 reward point for every £5 you spend

Notes

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