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Balance Transfer Card

Discover our longest balance transfer card

Balance Transfer Credit card image

Balance Transfer Credit Card

Take control of your finances with a credit card that gives you flexibility to repay what you owe. Plus, our Balance Transfer Credit Card offers rewards from your favourite shopping brands – all for no annual fee.

Credit is subject to status, affordability and applicable terms and conditions.

Representative example

21.9% APR 


Representative APR

21.9% p.a 


Purchase rate

Get £25 cashback

Earn £25 cashback when you take out a new Balance Transfer Credit Card and spend or transfer a balance of £100 or more (fees apply). Offer ends 13 February 2022.


Terms and conditions apply

Balance transfer card benefits

  • 0% interest for 31 months* on balance transfers made within the first 60 days of account opening

    A 2.70% fee applies (minimum £5).

  • 0% interest on purchases for 3 months* from account opening

  • No annual fee

  • Apple Pay – immediate access to spending

    Add your new credit card to Apple Pay from the iOS version of the HSBC UK Mobile Banking app. This allows you to pay for things in shops, apps and on websites immediately using Apple Pay, while waiting for your new card to arrive.

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


  • Exclusive offers

    Access worldwide offers and discounts on everything from savings on clothing to exciting days out. We’re constantly updating our offers, so they may vary as new ones come in. Discover HSBC home&Away.

Using your balance transfer card

  • Make contactless transactions

    Your card is contactless and you can add it to Apple PayGoogle Pay and Samsung Pay.

  • Manage your card online

    Online banking is a convenient way to manage your card. It lets you check your credit card balance, make payments and stay in control.

  • Get additional card

    Add your partner or family members over 18 to your account. It's a simple way to get more from your HSBC credit card.

  • Bank anywhere with the HSBC UK Mobile Banking app

    Make payments to existing beneficiaries and manage your personal accounts easily and securely with the HSBC UK Mobile Banking app.

  • Use your credit card abroad

    You can use your HSBC credit card at any retailer or cash machine that displays the logo on your card. Fees apply and non-HSBC cash machines may also charge a fee.

  • Enjoy 24/7 worldwide assistance

    Day or night, help is always at hand if your card is lost or stolen. Wherever you are in the world, you can speak to our dedicated support team about getting an emergency cash advance.

Apply for a Balance Transfer Credit Card

Please ensure you read the important information in the ‘Things you should know’ section before applying.

HSBC customers

If you’re already registered for Online Banking, you can apply online now.

View your pre-filled application form, submit in just one click, and receive an instant decision.

Apply in the mobile app

If you're registered for mobile banking and have downloaded the app you can apply within the app in just a few clicks.

New to HSBC

You just need to provide a few details as part of your application.

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