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Balance Transfer Credit Card

Enjoy 33 months interest free for balance transfers (2.84% 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 21.9% APR (variable).

Balance transfers need to be done in the first 60 days to get 33 months interest free. A 2.84% fee applies per balance transferred, minimum £5.

Credit is subject to status, affordability and terms and conditions. Please read the important documents before applying.

Representative example

Purchase rate21.9% p.a. (variable)

Representative21.9% APR (variable)

Based on an assumed credit limit of £1,200

Balance Transfer Credit Card

Key benefits

Interest-free balance transfers

0% interest for 33 months1 on balance transfers made within 60 days of account opening2. A 2.84% fee applies for each balance transferred, minimum £5. New HSBC credit card customers only3.

Interest-free purchases

0% interest on purchases for 3 months1 from account opening2. New HSBC credit card customers only.3

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.

Start application

Please read the important documents before applying.

Who can apply?

You can apply 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

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. 

New to HSBC?

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

Prefer to apply in a branch?

It’s usually easiest to apply online, but if you need support, visit one of our branches and we’ll help you with your application.

Please bring your mobile phone with you (or a similar device, like a tablet) if you have one.

Important documents

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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 other members of the HSBC Group including first direct, M&S Bank and John Lewis Financial Services Ltd.

3. Introductory rates only apply if you haven't held an HSBC credit card within the last 6 months.

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