Find the best card for everyday spending

Manage your finances with one of HSBC’s credit cards for everyday spending. You could also earn cashback with our Visa cards, when you shop at popular brands with Visa Offers.

Why get a card with HSBC?

Our best credit cards for everyday spending

  • 0% interest on purchases for 18 months from account opening*

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.

  • Introductory offer: 0% on purchases for 9 months after account opening*

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.

  • 0% interest on purchases for 6 months from account opening*

Available to existing current account 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 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.

Quick comparison

Card Feature

Purchase Plus Credit Card

Premier Credit Card

 

 

Rewards Credit Card
Balance Transfer Credit

0% Purchase Period

18 months
from account opening

9 months
from account opening

6 months

from account opening

3 months
from account opening

Rewards programme

 

 

n/a

Redeem reward points for shopping vouchers and frequent flyer miles

Redeem your reward points against everyday purchases using Pay with Rewards app or website.  n/a

0% balance transfer period

 

18 months
from date of transfer, for transfers within the first 60 days

18 months
from date of transfer, for transfers within the first 60 days

6 months

from date of transfer, for transfers within the first 60 days.

28 months
from date of transfer, for transfers within the first 60 days
Balance transfer fee 2.99% (minimum £5)
for balances transferred in the first 60 days
1.4% (Minimum £5)
for balances transferred in the first 60 days

2% (minimum £5)

for balances transferred in the first 60 days.

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

Annual fee

£0 £0 £0 £0
Representative Example (on an assumed credit limit of £1200)

22.9% APR (variable) Representative APR

22.9% pa (variable) Purchase rate

18.9%  APR (variable)
Representative APR

18.9% pa (variable)

Purchase rate

21.9% APR (variable) Representative APR

21.9% pa (variable) Purchase rate

21.9% APR (variable) Representative APR

21.9% pa (variable) Purchase rate

Eligibility
  • 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
  • have an annual income/pension before tax of £8,500 or more
  • be a UK resident
  • be over 18
  • be an existing HSBC UK customer who holds an HSBC Advance Bank Account
  • alternatively be an existing HSBC UK customer who holds a Bank account or Premier account and have maintained a credit turnover of £1,750 a month into the account for a minimum of 6 months (or a minimum of £10,500 every 6 months), not including money transferred from other sole or joint personal accounts held with HSBC UK.
  • have an annual income/pension before tax of £8,500 or more
  • be a UK resident
  • be over 18

Quick comparison

Card Feature

0% Purchase Period

Purchase Plus Credit Card

18 months
from account opening

Premier Credit Card

 

 

9 months
from account opening

Rewards Credit Card

6 months

from account opening

Balance Transfer Credit 3 months
from account opening

Card Feature

Rewards programme

 

 

Purchase Plus Credit Card

n/a

Premier Credit Card

 

 

Redeem reward points for shopping vouchers and frequent flyer miles

Rewards Credit Card
Redeem your reward points against everyday purchases using Pay with Rewards app or website. 
Balance Transfer Credit n/a

Card Feature

0% balance transfer period

 

Purchase Plus Credit Card

18 months
from date of transfer, for transfers within the first 60 days

Premier Credit Card

 

 

18 months
from date of transfer, for transfers within the first 60 days
Rewards Credit Card

6 months

from date of transfer, for transfers within the first 60 days.

Balance Transfer Credit 28 months
from date of transfer, for transfers within the first 60 days

Card Feature

Balance transfer fee

Purchase Plus 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

Rewards Credit Card

2% (minimum £5)

for balances transferred in the first 60 days.

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

Card Feature

Annual fee

Purchase Plus Credit Card

£0

Premier Credit Card

 

 

£0
Rewards Credit Card
£0
Balance Transfer Credit £0

Card Feature

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

Purchase Plus Credit Card

22.9% APR (variable) Representative APR

22.9% pa (variable) Purchase rate

Premier Credit Card

 

 

18.9%  APR (variable)
Representative APR

18.9% pa (variable)

Purchase rate

Rewards Credit Card

21.9% APR (variable) Representative APR

21.9% pa (variable) Purchase rate

Balance Transfer Credit

21.9% APR (variable) Representative APR

21.9% pa (variable) Purchase rate

Card Feature

Eligibility

Purchase Plus 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
Rewards 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 UK customer who holds an HSBC Advance Bank Account
  • alternatively be an existing HSBC UK customer who holds a Bank account or Premier account and have maintained a credit turnover of £1,750 a month into the account for a minimum of 6 months (or a minimum of £10,500 every 6 months), not including money transferred from other sole or joint personal accounts held with HSBC UK.
Balance Transfer Credit
  • have an annual income/pension before tax of £8,500 or more
  • be a UK resident
  • be over 18

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Take a closer look at our Purchase Plus Card

 

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