Purchase Credit Cards

Find the best card for purchases

With our 0% interest periods on purchase credit cards, you can buy now and spread the cost over time. Perfect if you need to buy something big or important and it simply can’t wait.

Why get a card with HSBC?

0% interest periods on purchases and balance transfers (balance transfer fees apply)
Contactless payments

Our best credit cards for purchases

Purchase Plus Credit Card

0% interest on purchases for 18 months from account opening*

Available to all customers – eligibility criteria apply

Representative Example

22.9% APR (variable) representative
22.9% p.a. (variable) purchase rate
Based on an assumed credit limit of £1,200

Credit is subject to status, affordability and applicable terms and conditions.

Find out more about Purchase Plus Credit Card

Premier Credit Card

Introductory offer: 0% on purchases for 9 months after account opening*

Available exclusively to Premier customers – eligibility criteria apply

Representative Example

18.9% APR (variable) representative
18.9% p.a. (variable) purchase rate
Based on an assumed credit limit of £1,200

Credit is subject to status, affordability and applicable terms and conditions.

Find out more about Premier Credit Card

Rewards Credit Card

0% interest on purchases for 6 months from account opening*

Available to existing current account customers - eligibility criteria apply.

Representative Example

21.9% APR (variable) representative
21.9% p.a. (variable) purchase rate
Based on an assumed credit limit of £1,200

Credit is subject to status, affordability and applicable terms and conditions.

Find out more about Rewards Credit Card

Balance Transfer Credit Card

0% interest on purchases for 3 months from account opening*

Available to all customers – eligibility criteria apply

Representative Example

21.9% APR (variable) representative
21.9% p.a. (variable) purchase rate
Based on an assumed credit limit of £1,200

Credit is subject to status, affordability and applicable terms and conditions.

Find out more about Balance Transfer Credit Card

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

Quick comparison
Card Feature	Purchase Plus Credit Card	Premier Credit Card	Rewards Credit Card	Balance Transfer Credit Card
0% Purchase period	18 months from account opening	9 months from account opening	6 months from account opening	3 months from account opening
Rewards programme	N/A	Redeem reward points for shopping vouchers and frequent flyer miles	Use your reward points against everyday purchases, wherever Mastercard is accepted using the Pay with Rewards app or website	N/A
0% Balance transfer Period (for balances transferred within the first 60 days of account opening)	18 months from date of transfer	18 months from date of transfer	6 months from date of transfer	25 months from date of transfer
Balance Transfer Fee	2.9% (minimum £5) for balances transferred in the first 60 days	1.4% (minimum £5) for balances transferred in the first 60 days	2% (minimum £5) for balances transferred in the first 60 days	1.5% (minimum £5) for balances transferred in the first 60 days
Annual Fee	£0	£0	£0	£0
Representative Example (on an assumed credit limit of £1200)	22.9% APR (variable) Representative APR 22.9% pa (variable) Purchase rate	18.9% APR (variable) Representative APR 18.9% pa (variable) Purchase rate	21.9% APR (variable) Representative APR 21.9% pa (variable) Purchase rate	21.9% APR (variable) Representative APR 21.9% pa (variable) Purchase rate
Eligibility Criteria	have an annual income/pension before tax of £6,800 or more be a UK resident be over 18	have an annual income/pension before tax of £6,800 or more be a UK resident be over 18 be an existing HSBC Premier customer	have an annual income/pension before tax of £6,800 or more be a UK resident be over 18 And be an existing HSBC UK customer who holds one of the below: an Advance Bank Account alternatively, have paid a total of £1750 a month into an HSBC UK Bank or Premier Bank Account over the last 6 months, not including money transferred from other sole or joint personal accounts held with HSBC UK.	have an annual income/pension before tax of £6,800 or more be a UK resident be over 18

Quick comparison
Card Feature	0% Purchase period
Purchase Plus Credit Card	18 months from account opening
Premier Credit Card	9 months from account opening
Rewards Credit Card	6 months from account opening
Balance Transfer Credit Card	3 months from account opening

Card Feature	Rewards programme
Purchase Plus Credit Card	N/A
Premier Credit Card	Redeem reward points for shopping vouchers and frequent flyer miles
Rewards Credit Card	Use your reward points against everyday purchases, wherever Mastercard is accepted using the Pay with Rewards app or website
Balance Transfer Credit Card	N/A

Card Feature	0% Balance transfer Period (for balances transferred within the first 60 days of account opening)
Purchase Plus Credit Card	18 months from date of transfer
Premier Credit Card	18 months from date of transfer
Rewards Credit Card	6 months from date of transfer
Balance Transfer Credit Card	25 months from date of transfer

Card Feature	Balance Transfer Fee
Purchase Plus Credit Card	2.9% (minimum £5) for balances transferred in the first 60 days
Premier Credit Card	1.4% (minimum £5) for balances transferred in the first 60 days
Rewards Credit Card	2% (minimum £5) for balances transferred in the first 60 days
Balance Transfer Credit Card	1.5% (minimum £5) for balances transferred in the first 60 days

Card Feature	Annual Fee
Purchase Plus Credit Card	£0
Premier Credit Card	£0
Rewards Credit Card	£0
Balance Transfer Credit Card	£0

Card Feature	Representative Example (on an assumed credit limit of £1200)
Purchase Plus Credit Card	22.9% APR (variable) Representative APR 22.9% pa (variable) Purchase rate
Premier Credit Card	18.9% APR (variable) Representative APR 18.9% pa (variable) Purchase rate
Rewards Credit Card	21.9% APR (variable) Representative APR 21.9% pa (variable) Purchase rate
Balance Transfer Credit Card	21.9% APR (variable) Representative APR 21.9% pa (variable) Purchase rate

Card Feature	Eligibility Criteria
Purchase Plus Credit Card	have an annual income/pension before tax of £6,800 or more be a UK resident be over 18
Premier Credit Card	have an annual income/pension before tax of £6,800 or more be a UK resident be over 18 be an existing HSBC Premier customer
Rewards Credit Card	have an annual income/pension before tax of £6,800 or more be a UK resident be over 18 And be an existing HSBC UK customer who holds one of the below: an Advance Bank Account alternatively, have paid a total of £1750 a month into an HSBC UK Bank or Premier Bank Account over the last 6 months, not including money transferred from other sole or joint personal accounts held with HSBC UK.
Balance Transfer Credit Card	have an annual income/pension before tax of £6,800 or more be a UK resident be over 18

Find the best card for purchases

Why get a card with HSBC?

Our best credit cards for purchases

Quick comparison

Quick comparison

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