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
Key benefits of a Purchase Plus Credit Card
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 protectionSection 75 protects credit card purchases of £100 to £30,000 if the supplier breaches a contract, or misrepresents goods.
- 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.
- Use your credit card abroadYou 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 assistanceHelp is at hand if your card is lost or stolen. Call our dedicated support team about getting an emergency cash advance.
- 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 Purchase Plus Credit Card 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
Ready to apply for a Purchase Plus Credit Card?
New to HSBC?
You'll just need to provide a few details as part of your application.
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.
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.
2. 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.