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
As with all credit cards, section 75 of the Consumer Credit Act protects purchases of £100 to £30,000 if the supplier breaches a contract, or misrepresents goods.
Explore our purchase credit cards
Purchase Plus Credit Card
Discover the all-rounder that has up to 20 months of interest-free purchases and up to 17 months of interest-free balance transfers (3.49% fee, minimum £5).
Eligibility criteria apply. Credit is subject to status.
Representative example
Purchase rate: 24.9% p.a. (variable)
Representative: 24.9% APR (variable)
Based on an assumed credit limit of £1,200
Rewards Credit Card
Earn reward points on eligible purchases you make.
Eligibility criteria apply. Credit is subject to status.
Representative example
Purchase rate: 26.9% p.a. (variable)
Representative: 26.9% APR (variable)
Based on an assumed credit limit of £1,200
Premier Credit Card
Get travel benefits and reward points - plus 9 months interest free on purchases and 18 months interest free on balance transfers (2.99% fee, min £5). Just for HSBC Premier customers.
Eligibility criteria apply. Credit is subject to status.
Representative example
Purchase rate: 26.9% p.a. (variable)
Representative: 26.9% 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?
Balance transfer credit cards
Give yourself some breathing room with our balance transfer options.
Rewards credit cards
Discover our range of rewards cards.
Credit-builder credit cards
Help build your credit score when you spend and make on-time repayments.
View all cards
From transferring a balance, earning rewards or building your credit score, there's a card for every need.