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?

Our best credit cards for purchases

  • 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.
 

  • 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.
 

  • 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.
 

  • 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.
 

*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 £8,500 or more
  • be a UK resident
  • be over 18
  • have an annual income/pension before tax of £8,500 or more
  • be a UK resident
  • be over 18
  • be an existing HSBC Premier customer
  • have an annual income/pension before tax of £8,500 or more
  • be a UK resident
  • be over 18

And be an existing HSBC UK customer who holds one of the below:
  • an Advance account
  • alternatively, have paid a total of £1750 a month into an HSBC UK Bank or Premier 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 £8,500 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 £8,500 or more
  • be a UK resident
  • be over 18
Premier Credit Card
  • have an annual income/pension before tax of £8,500 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 £8,500 or more
  • be a UK resident
  • be over 18

And be an existing HSBC UK customer who holds one of the below:
  • an Advance account
  • alternatively, have paid a total of £1750 a month into an HSBC UK Bank or Premier 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 £8,500 or more
  • be a UK resident
  • be over 18

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