Enjoy up to 27 months interest-free for balance transfers (3.49% fee, min £5).
Give yourself some breathing room with our longest balance transfer offer (fees apply). Transfer your other credit card balances so that you make just one monthly payment for everything. Representative 24.9% APR (variable). Balance transfers need to be done in the first 60 days to get up to 27 months interest-free. A 3.49% fee applies per balance transferred, minimum £5. Credit is subject to status, affordability and terms and conditions. The rate and promotional period we offer will depend on our assessment of your circumstances. Please read the important documents before applying. Why is it only 'up to' 27 months? |
Representative example
Purchase rate24.9% p.a. (variable)
Representative24.9% APR (variable)
Based on an assumed credit limit of £1,200
Key benefits of a Balance Transfer Credit Card
Interest-free balance transfers
No annual fee
Good news! There's no annual fee for the Balance Transfer Credit Card.
Your Balance Transfer Credit Card also comes with
- Offers and discountsSave on shopping, eating out, travel, family days out and more. We regularly update our range of offers, so they'll vary as new ones come in.
- Use your credit card abroadYou can use your HSBC credit card in all countries and regions supported by the Visa and Mastercard networks. Fees apply, and non-HSBC cash machines may also charge a fee.
- No-fuss card managementUse online banking or the HSBC Mobile Banking app to check your balance, make payments, block or unblock your card, and stay in control.
- Enjoy 24/7 worldwide assistanceHelp is at hand if your card is lost or stolen. Call our dedicated support team about getting an emergency cash advance.
- Purchase protectionSection 75 protects credit card purchases of £100 to £30,000 if the supplier breaches a contract, or misrepresents goods.
- Go digitalAll HSBC credit cards are contactless and can be used with a digital wallet. For immediate access to spending, you can add your card to Apple Pay or Google Pay directly from the HSBC UK Mobile Banking app before your new card arrives.
Things to know
Who can apply?
You can apply for a Balance Transfer Credit Card if you:
- are over 18
- are a UK resident
- have an annual income or pension before tax of £6,800 or more
- do not hold an HSBC Basic Bank Account
Ready to apply for a Balance Transfer Credit Card?
New to HSBC?
You'll just need to provide a few details as part of your application.
Already an HSBC customer?
If you're registered for online banking, you can apply now. You'll be able to see your pre-filled application form, submit it, and get an instant decision.
Frequently asked questions
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Additional information
1. At the end of any promotional period, balance transfers and purchases will revert to the standard variable rate.
2. Balances can’t be transferred from all cards, for example those issued by members of the HSBC Group, including HSBC UK, first direct and M&S Bank.
If you have an HSBC UK credit card, you’re eligible to apply for another if you haven’t applied for an HSBC credit card within the past 6 months, and the card isn’t the one you currently have.
Please note, if you currently hold a Classic, Student, Purchase Plus, or Balance Transfer Credit Card with us, you will not be eligible for this product.