Improve or start building your credit rating
If you're looking to build or improve your credit rating, this credit card could be the one for you. Representative 29.9% APR (variable).
Credit is subject to status, affordability and terms and conditions.
Please read the important documents before applying.
Representative example
Purchase rate29.9% p.a. (variable)
Representative29.9% APR (variable)
Based on an assumed credit limit of£1,000
Key benefits of a Classic Credit Card
No annual fee
Good news! There's no annual fee for the Classic Credit Card.
Up to £1,000 credit
The Classic Credit Card could provide up to £1,000 credit, depending on your situation.
Build or boost your credit rating
Could help build or improve your credit rating, if managed well. Your credit score could be harmed if you don't make payments on time or stay within your credit limit.
Your Classic Credit Card also comes with
- No-fuss card managementUse online banking or the HSBC Mobile Banking app to check your balance, make payments, freeze your card, and stay in control.
- Purchase protectionSection 75 protects credit card purchases of £100 to £30,000 if the supplier breaches a contract, or misrepresents goods.
- 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.
- 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 Classic Credit Card if you:
- are over 18
- are a UK resident
- have an annual income or pension before tax of £6,800 or more
- hold an active HSBC current account (excluding Basic Bank Account)
Ready to apply for a Classic Credit Card?
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 need to have an active HSBC current account before you can apply for a Classic Credit Card.
Frequently asked questions
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Standards of Lending Practice
HSBC adheres to the standards of lending practice guidelines.
Additional information
At the end of any promotional period, balance transfers and purchases will revert to the standard variable rate.
Balances can’t be transferred from all cards, for example those issued by members of HSBC Group, including HSBC UK, first direct, 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, Balance Transfer, Reward, Premier or Premier World Elite Credit Card with us, you will not be eligible for this product.