Credit Builder Credit Cards

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.

Tips to boost your credit score

To enjoy using your card without having to pay interest, pay off your balance in full every month. If you can't do this, it still makes sense to pay more than the minimum in order to reduce the interest you'll pay.

Lenders also look at what’s called ‘credit utilisation’. What this basically means is it’s best not to use all the credit available to you, as this can appear as if you’re over-stretched.

Sometimes when you’re very busy it can feel difficult to manage all your bills and repayments. This can lead to late payment fees, as well as damage your credit rating. To make sure your credit card repayments are always made on time, you may want to set up a Direct Debit to your credit card.

Our best credit cards for credit building

Classic Credit Card

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.

Find out more about Classic Credit Card

Student Credit Card

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.

Find out more about Student Credit Card

Balance Transfer Credit Card

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.

Find out more about Balance Transfer Credit Card

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

Quick comparison
Card Feature	Classic Credit Card	Student Credit Card	Balance Transfer Credit Card
Maximum Credit Limit	£1,000	£500	Subject to status
Representative Example	29.9% (variable) Representative APR 29.9% pa (variable) Purchase rate Based on an assumed credit limit of £1,000	18.9% (variable) Representative APR 18.9% pa (variable) Purchase rate Based on an assumed credit limit of £500	21.9% (variable) Representative APR 21.9% pa (variable) Purchase rate Based on an assumed credit limit of £1,200
Annual Fee	£0	£0	£0
Eligibility Criteria	have an annual income/pension before tax of £8,500 or more be a UK resident be over 18 be an existing HSBC Current Account holder	have an annual income/pension before tax of £8,500 or more be a UK resident be over 18 hold an HSBC Student Current Account	have an annual income/pension before tax of £8,500 or more be a UK resident be over 18

Quick comparison
Card Feature	Maximum Credit Limit
Classic Credit Card	£1,000
Student Credit Card	£500
Balance Transfer Credit Card	Subject to status

Card Feature	Representative Example
Classic Credit Card	29.9% (variable) Representative APR 29.9% pa (variable) Purchase rate Based on an assumed credit limit of £1,000
Student Credit Card	18.9% (variable) Representative APR 18.9% pa (variable) Purchase rate Based on an assumed credit limit of £500
Balance Transfer Credit Card	21.9% (variable) Representative APR 21.9% pa (variable) Purchase rate Based on an assumed credit limit of £1,200

Card Feature	Annual Fee
Classic Credit Card	£0
Student Credit Card	£0
Balance Transfer Credit Card	£0

Card Feature	Eligibility Criteria
Classic 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 Current Account holder
Student Credit Card	have an annual income/pension before tax of £8,500 or more be a UK resident be over 18 hold an HSBC Student Current Account
Balance Transfer Credit Card	have an annual income/pension before tax of £8,500 or more be a UK resident be over 18

Find the best card for building credit

Tips to boost your credit score

Pay more than the minimum

Don't borrow to the max

Organise your repayments

Our best credit cards for credit building

Quick comparison

Quick comparison

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