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

At a glance

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

Earn reward points on eligible purchases you make

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

Balance transfer

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

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 6 months on balance transfers made within 60 days of account opening. A 2% 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

Purchases introductory rate

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

0% on purchases for 18 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.

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

Representative example

Representative APR: 22.9% APR (variable)

Representative APR: 21.9% APR (variable)

Representative APR: 18.9% APR (variable)

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

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

Purchase rate: 18.9% 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

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 existing HSBC customers

  • For HSBC Premier 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

  • Must be a UK resident

  • Must be a UK resident

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

  • Must be over 18

  • Must be over 18

  • Must be over 18

  • Must not hold an HSBC Basic Bank 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

  • Have an HSBC Premier Account

Benefits

Terms and conditions apply.

  • Not applicable

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

  • 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

Rewards

Terms and conditions apply.
  • Not applicable

  • 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

  • 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

Notes

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