Find the best card for purchases

Get flexibility when you need it most with one of our purchase cards. You’ll also enjoy all the rewards and benefits you get from being an HSBC customer.

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.
 

Find out more
  • 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
  • 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
  • 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

*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  Redeem your reward points against everyday purchases using 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

 28 months
from date of transfer
Balance Transfer Fee 2.99% (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

 1.4% (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
  • be an existing HSBC UK customer who holds an HSBC Advance Bank Account
  • alternatively be an existing HSBC UK customer who holds a Bank account or Premier account and have maintained a credit turnover of £1,750 a month into the account for a minimum of 6 months (or a minimum of £10,500 every 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

 Redeem your reward points against everyday purchases using 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
28 months
from date of transfer

Card Feature

 Balance Transfer Fee
Purchase Plus Credit Card 2.99% (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
1.4% (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
  • be an existing HSBC UK customer who holds an HSBC Advance Bank Account
  • alternatively be an existing HSBC UK customer who holds a Bank account or Premier account and have maintained a credit turnover of £1,750 a month into the account for a minimum of 6 months (or a minimum of £10,500 every 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

You might also be interested in

Purchase Plus Credit Card

 

Take a closer look at our Purchase Plus Card

All credit cards

 

View all our credit cards

Are you eligible?

 

See if you’re eligible

Cards & Loans - Options explained