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
- 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.
| 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) 22.9% pa (variable) |
18.9% APR (variable) 18.9% pa (variable) |
21.9% APR (variable) 21.9% pa (variable) |
21.9% APR (variable) 21.9% pa (variable) |
| Eligibility Criteria |
|
|
And be an existing HSBC UK customer who holds one of the below:
|
|
| 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) 22.9% pa (variable) |
| Premier Credit Card
|
18.9% APR (variable) 18.9% pa (variable) |
| Rewards Credit Card
|
21.9% APR (variable) 21.9% pa (variable) |
| Balance Transfer Credit Card
|
21.9% APR (variable) 21.9% pa (variable) |
| Card Feature
|
Eligibility Criteria |
| Purchase Plus Credit Card
|
|
| Premier Credit Card
|
|
| Rewards Credit Card
|
And be an existing HSBC UK customer who holds one of the below:
|
| Balance Transfer Credit Card
|
|
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