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Classic Credit Card

Start building your credit rating

If you're new to credit cards and need one that will help you start to build your credit rating, this 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

Classic Credit Card VISA

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. If you need a higher credit limit, explore our other cards.

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 management
    Use online banking or the HSBC Mobile Banking app to check your balance, make payments, freeze your card, and stay in control.
  • Purchase protection
    Section 75 protects credit card purchases of £100 to £30,000 if the supplier breaches a contract, or misrepresents goods.
  • 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.
  • 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

Who can apply?

You can apply for a Classic Credit Card if you:

  • are over 18
  • are a UK resident
  • have an annual UK taxable 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?

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 the UK and need a credit card but not new to credit?

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

You might also be interested in


Discover our range of credit cards and find the one that matches your needs.


A few things to consider when choosing your first credit card.


New to the UK? We can help you bring your international credit history with you.


Find out which card you might be eligible for - without affecting your credit score.

logo of LSB standards of leading practice: personal customers

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.

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