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Purchase Plus Credit Card

Discover the all-rounder that has up to 18 months of interest-free purchases and up to 16 months of interest-free balance transfers (3.49% fee, minimum £5).

Spread the cost of your spending with our longest interest-free period on purchases. Representative 24.9% APR (variable).

Balance transfers need to be done in the first 60 days to get up to 16 months at 0% interest. 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' 18 months?

Representative example

Purchase rate24.9% p.a. (variable)

Representative24.9% APR (variable)

Based on an assumed credit limit of £1,200

Purchase Plus Credit Card

Key benefits of a Purchase Plus Credit Card

Interest-free purchases

0% interest on purchases for up to 18 months1 from account opening.

Interest-free balance transfers

0% interest for up to 16 months1 on balance transfers made within 60 days of account opening. A 3.49% fee applies for each balance transferred, minimum £5.

No annual fee

Good news! There's no annual fee for the Purchase Plus Credit Card.

Your Purchase Plus Credit Card also comes with

  • Purchase protection
    Section 75 protects credit card purchases of £100 to £30,000 if the supplier breaches a contract, or misrepresents goods.
  • 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.
  • 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.
  • 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.
  • 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

Ready to apply for a Purchase Plus 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.

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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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.

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.

Balances can’t be transferred from all cards, for example those issued by members of HSBC Group, including HSBC UK, first direct and M&S Bank.

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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