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Credit card fees and rates

Understand more about fees and the interest rates for your HSBC credit card

Be clear about what you could pay

We'll explain what's meant by each fee and what you could expect to pay, depending on your credit card. So, you'll have a better idea of what may be payable and how to potentially avoid some fees in the future. Plus, find out more about your card's interest rates.

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Including late fee, over-limit fee and returned payment fee

Including cash advance fee, non-sterling transaction fee, annual fee, balance transfer fee and credit card instalment plan fee

Default fees

There are 3 types of default fees you could face – late fees, over-limit fees and returned payment fees. 

Late fee: £12

Over-limit fee: £12

Returned payment fee: £5

Other fees

Cash advance fee: 2.99% (minimum £3)

Non-sterling transaction fee: 2.99% (minimum £3 for cash related payments)

Annual fee

Balance transfer fee

Credit card instalment plan fee

Interest rates

Using your credit card may mean you're charged interest. 

Looking to apply for a new HSBC credit card?

If you'd like to apply for a new credit card, you can find the card's interest rates when you apply, or in the 'Summary Box PDF'. Although, the interest rates you actually receive may be different as they'll be based on a credit check. 

Already have an HSBC credit card?

If you've got an HSBC credit card already, your card's interest rates will be set out in your agreement and shown on your monthly statement. Although, interest rates are variable and may be subject to change.

Take a look at the 'Summary Box PDF' for each credit card to find out more about the latest interest rates.

What to do next

Use our credit card repayment calculator to work out how much you could increase your monthly payments by to clear your balance faster.
If you're struggling to make your credit card payments, it's important that you let us know as soon as you can so we can support you.
Our app makes it easier to manage your credit card payments and keep on top of any fees.

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