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Purchase credit cards

Buy now and spread the cost of all your purchases - large or small

What is a purchase credit card?

Our purchase credit cards are designed to help you spread out your costs. Buy now and pay back gradually over time.

How a purchase credit card can help you

Buy what you need now

Use a purchase credit card today, then pay off what you owe - without paying interest on it.

Spread your costs over time

Buy the things you need now and pay off the amount you owe gradually over time.

Purchase protection

Section 75 protects credit card purchases of £100 to £30,000 if the supplier breaches a contract, or misrepresents goods.

Explore our purchase credit cards


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


Representative example

Purchase rate: 22.9% p.a. (variable)

Representative: 22.9% APR (variable)

Based on an assumed credit limit of £1,200


Earn Reward points on eligible purchases you make.


Representative example

Purchase rate: 21.9% p.a. (variable)

Representative: 21.9% APR (variable)

Based on an assumed credit limit of £1,200


Get travel benefits, rewards and HSBC Premier Privileges - just for HSBC Premier customers.


Representative example

Purchase rate: 18.9% p.a. (variable)

Representative: 18.9% APR (variable)

Based on an assumed credit limit of £1,200

Need help choosing a credit card?

Discover our range of credit cards and find the one most suitable for you.

Not the right type of card?


Give yourself some breathing room with our balance transfer options.


Discover our range of rewards cards.


Help build your credit score when you spend and make on-time repayments.


From transferring a balance, earning rewards or building your credit score, there's a card for every need.

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