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Balance Transfer Credit Card

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

Balance Transfer Credit Card

Key benefits of a Balance Transfer Credit Card

Interest-free balance transfers

0% interest for up to 27 months1 on balance transfers made within 60 days of account opening2. A 3.49% fee applies for each balance transferred, minimum £5.

Interest-free purchases

0% interest on purchases for 3 months1 from account opening2.

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 discounts
    Save 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 abroad
    You 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 management
    Use 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 assistance
    Help is at hand if your card is lost or stolen. Call our dedicated support team about getting an emergency cash advance.
  • Purchase protection
    As with all credit cards, section 75 of the Consumer Credit Act protects purchases of £100 to £30,000 if the supplier breaches a contract, or misrepresents goods.
  • Go digital
    All 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

Ready to apply for a Balance Transfer Credit Card?

Existing customers

On your mobile device? If you've downloaded our app, you can apply now by selecting 'Apply in app'.

If you're on a desktop, scan the QR code with your mobile device.

Scan the QR code to apply

More ways to apply

New to HSBC?

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

New to the UK?

We may be able to access your international credit history in selected countries to help you apply for an HSBC UK credit card.

Frequently asked questions

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Standard lending practise logo

Standards of Lending Practice

HSBC adheres to the standards of lending practice guidelines.

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.

You must not have opened a new HSBC credit card or received a credit limit increase within the past 6 months, and you must not be applying for a credit card that you already hold.

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.

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