Top of main content

Purchase Plus Credit Card

Discover the all-rounder that has 23 months interest free on purchases and balance transfers (2.9% fee, min £5).

Spread the cost of your spending with our longest interest-free period on purchases. Representative 22.9% APR (variable).

Balance transfers need to be done in the first 60 days to get 23 months at 0% interest. A 2.9% 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 rate22.9% p.a. (variable)

Representative22.9% APR (variable)

Based on an assumed credit limit of £1,200

Purchase Plus Credit Card

Key benefits

Interest-free purchases

0% interest on purchases for 23 months1 from account opening. For new2 HSBC credit card customers only.

Interest-free balance transfers

0% interest for 23 months1 on balance transfers made within 60 days of account opening3. A 2.9% 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.

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.

Other ways to apply

It's usually quickest to apply online, but if you're having trouble with your application, we're here to help - go to our contact us page.

Important documents

You might also be interested in


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


Understand the different kinds of 0% credit card offers and work out which cards could suit you.


Get to know the different types of credit card charges and how you can reduce the amount you pay.


If you're unsure whether an overdraft, credit card or loan would suit you, this tool can help you understand your options.

Additional information

1. At the end of any promotional period, balance transfers and purchases will revert to the standard variable rate.

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

3. 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.

It's easy to answer your query online. Visit our Help page to find out how.