Find the best card for building credit
We have a range of cards to help you build your credit when you spend and make on-time repayments. You’ll also earn cashback with Visa Offers when you shop for popular brands.
Why get a card with HSBC?
- No Annual Fee
- Contactless payments
Our best credit cards for credit building
- No annual fee and exclusively available to HSBC Current Account customers only
Exclusively available to HSBC Bank account customers – Eligibility criteria apply
Representative Example
- 29.9% APR (variable) representative
- 29.9% p.a. (variable) purchase rate
- Based on an assumed credit limit of £1,000
Credit is subject to status, affordability and applicable terms and conditions.
No annual fee and exclusively for existing HSBC Student Bank account holder only
Exclusively available to HSBC Student account 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 £500
Credit is subject to status, affordability and applicable terms and conditions.
- 0% interest on purchases for 3 months from account opening*
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.
*At the end of the promotional period, balance transfers and purchases will revert to the standard variable rate.
Card Feature |
Student Credit Card | Balance Transfer Credit Card | |
|---|---|---|---|
| Promotional offers | £25 cashback. T&Cs apply. |
n/a | £25 cashback. T&Cs apply. |
| Maximum Credit Limit | £1,000 | £500 | Subject to status |
Representative Example
|
29.9% (variable)
29.9% pa (variable)
Based on an assumed credit limit of £1,000 |
18.9% (variable)
18.9% pa (variable)
Based on an assumed credit limit of £500 |
21.9% (variable)
21.9% pa (variable)
Based on an assumed credit limit of £1,200 |
| Annual Fee | £0 | £0 | £0 |
| Eligibility Criteria |
|
|
|
Card Feature |
Promotional offers |
|---|---|
|
£25 cashback. T&Cs apply. |
|
| Student Credit Card | n/a |
| Balance Transfer Credit Card |
£25 cashback. T&Cs apply. |
Card Feature |
Maximum Credit Limit |
| £1,000 | |
| Student Credit Card | £500 |
| Balance Transfer Credit Card | Subject to status |
Card Feature |
Representative Example
|
|
29.9% (variable)
29.9% pa (variable)
Based on an assumed credit limit of £1,000 |
|
| Student Credit Card |
18.9% (variable)
18.9% pa (variable)
Based on an assumed credit limit of £500 |
| Balance Transfer Credit Card |
21.9% (variable)
21.9% pa (variable)
Based on an assumed credit limit of £1,200 |
Card Feature |
Annual Fee |
| £0 | |
| Student Credit Card | £0 |
| Balance Transfer Credit Card | £0 |
Card Feature |
Eligibility Criteria |
|
|
| Student Credit Card |
|
| Balance Transfer Credit Card |
|
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