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Compare HSBC Credit Cards

Updated: 22nd July 2021

If you already use or trust HSBC, there are a lot of good reasons to stick with that bank for a credit card. And if you’re not yet an HSBC customer, there are a lot of good reasons to consider a credit card from HSBC. On this page, we’ve gathered some of the top credit cards from HSBC, along with a closer look at why you might want a card from this banking giant… or why its cards might not be right for you.

We’ve reviewed the cards that make up the HSBC portfolio. Below you’ll find our analysis of the many perks and benefits on offer, as well as any fees and potential limitations.

Check Your Eligibility

Discover a list of credit cards you may be eligible for. Only takes a few minutes and will not affect your credit score.

Here are MyWalletHero's favourite HSBC credit card deals

Credit card offers from our affiliate partners appear first and are ordered from highest rating to lowest, followed by other top-rated offers. You can read more about our ratings and page sort here. Offers from affiliate partners are marked with a *.

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Great for: Long balance transfer period
4 stars question mark
Apply Now!

On HSBC's Secure Website

    Check Eligibility

Completely free and
will not affect your credit score.

* Affiliate partner

Take a look around and you’ll see balance-transfer offers declining. That makes the 29 months on HSBC’s Balance Transfer Card more impressive. Note that there is a balance-transfer fee of 2.75%. 

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 0% interest for 29 months on balance transfers made in first 60 days
  • 2.75% balance-transfer fee applies
  • 0% interest on purchases for the first 3 months
  • No annual fee

REPRESENTATIVE EXAMPLE

Representative rate 21.9% APR (variable)
Purchase rate 21.9% p.a. (variable)
Based on an assumed credit limit of £1,200

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

what we like

  • 0% interest for 29 months on balance transfers made in first 60 days (2.75% fee applies)
  • 0% interest on purchases for the first 3 months
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    21.9%
  • INTRO OFFER:

    0% for 29 months on balances transferred in the first 60 days
    0% on purchases for 3 months

KEY SCORES:

  • 5/5 Perks
  • 3/5Fees
  • 3/5APR

HIGHLIGHTS

  • 0% interest for 29 months on balance transfers made in first 60 days
  • 2.75% balance-transfer fee applies
  • 0% interest on purchases for the first 3 months
  • No annual fee

REPRESENTATIVE EXAMPLE

Representative rate 21.9% APR (variable)
Purchase rate 21.9% p.a. (variable)
Based on an assumed credit limit of £1,200

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

Great for: 0% interest on purchases and balance transfers
3.5 stars question mark
Apply Now!

On HSBC's Secure Website

    Check Eligibility

Completely free and
will not affect your credit score.

* Affiliate partner

HSBC’s Purchase Plus Credit Card could be a good match for those looking for a solid combination of 0% purchase and balance-transfer offer. Since 18 months isn’t the longest 0% period on the market, the key here is the combination of both 0% purchases and balance transfer. Do note that there is a 2.9% fee on balance transfers.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 0% interest on purchases made over the first 18 months
  • 0% interest for 18 months on balance transfers made in first 60 days
  • 2.9% balance-transfer fee applies
  • No annual fee

REPRESENTATIVE EXAMPLE

Representative rate 22.9% APR (variable)
Purchase rate 22.9% p.a. (variable)
Based on an assumed credit limit of £1,200

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

what we like

  • 0% interest on purchases made over the first 18 months
  • 0% interest for 18 months on balance transfers made in the first 60 days (but a 2.9% fee applies)
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    22.9%
  • INTRO OFFER:

    0% on purchases for 18 months

    0% for 18 months on balances transferred in first 60 days

KEY SCORES:

  • 2/5 Perks
  • 4.5/5Fees
  • 3.5/5APR

HIGHLIGHTS

  • 0% interest on purchases made over the first 18 months
  • 0% interest for 18 months on balance transfers made in first 60 days
  • 2.9% balance-transfer fee applies
  • No annual fee

REPRESENTATIVE EXAMPLE

Representative rate 22.9% APR (variable)
Purchase rate 22.9% p.a. (variable)
Based on an assumed credit limit of £1,200

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

Great for: Rewards on everyday spend
3.5 stars question mark

If you meet the eligibility requirements, then the HSBC Rewards Credit Card has lots to offer. Not only do cardholders earn reward points on their spending, but the bank is also offering a 2,500 point welcome award and 0% on purchases and balance transfers for six months. And if that wasn’t enough, there is an option to ‘supercharge’ your rewards and earn 10 points per £1 at selected merchants.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 1 point for every £5 of eligible spend
  • 0% on purchases for six months
  • 0% on balance transfers for six months
  • 2,500 points welcome award

REPRESENTATIVE EXAMPLE

Representative 21.9% APR variable
Purchase rate 21.9% variable for purchases
Credit limit Assumed credit limit of £1,200
Annual fee No annual fee

what we like

  • 1 point for every £5 of eligible spend
  • 0% on purchases for six months
  • 0% on balance transfers for six months
  • 2,500 points welcome award
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    21.9%
  • INTRO OFFER:

    2,500 points welcome award

KEY SCORES:

  • 3/5 Perks
  • 3/5Fees
  • 3/5APR

HIGHLIGHTS

  • 1 point for every £5 of eligible spend
  • 0% on purchases for six months
  • 0% on balance transfers for six months
  • 2,500 points welcome award

REPRESENTATIVE EXAMPLE

Representative 21.9% APR variable
Purchase rate 21.9% variable for purchases
Credit limit Assumed credit limit of £1,200
Annual fee No annual fee
Great for: Building credit
3.5 stars question mark

The HSBC Student Card offers students and apprentices a no-frills credit card that could help get them started on building their credit rating. With a very competitive APR and manageable credit limit, the card also offers cashback with selected Visa partners. To be eligible, you must have an HSBC student bank account and be enrolled in a qualifying course, or have proof of a confirmed apprenticeship.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • No annual fee
  • Manageable credit limit
  • Earn cashback with Visa offers

REPRESENTATIVE EXAMPLE

Representative rate 18.9% APR (variable)
Purchase rate 18.9% p.a. (variable)
Based on an assumed credit limit of £500

what we like

  • No annual fee
  • Manageable credit limit
  • Earn cashback with Visa offers
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    18.9%
  • INTRO OFFER:

    Earn cashback from your favourite shopping brands with Visa offers

KEY SCORES:

  • 1/5 Perks
  • 5/5Fees
  • 4.5/5APR

HIGHLIGHTS

  • No annual fee
  • Manageable credit limit
  • Earn cashback with Visa offers

REPRESENTATIVE EXAMPLE

Representative rate 18.9% APR (variable)
Purchase rate 18.9% p.a. (variable)
Based on an assumed credit limit of £500
Great for: Standard business credit card with reasonable APR
2 stars question mark

There are no flashy extras with this card. Instead what you will get is a competitive interest rate, additional cards, your first year of fees waived and full protection against fraudulent transactions. There are no introductory offers which will eventually go away; instead what you have is a solid credit card offer to support your business spending.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • Annual fee waived in the first year
  • 1% cashback (up to £10 per card) through 31 August 2019
  • Additional cards available for employees

REPRESENTATIVE EXAMPLE

Representative 21% APR (variable)
Purchase rate 15.9% p.a. (variable)
Assumed credit limit £1,200
Annual fee £32

what we like

  • Annual fee waived in the first year
  • 1% cashback (up to £10 per card) through 31 August 2019
  • Additional cards available for employees
  • ANNUAL FEE:

    £32
  • REPRESENTATIVE APR:

    22.0%
  • INTRO OFFER:

    1% cashback (up to £10 per card per month) through 31 August 2019

KEY SCORES:

  • 2/5 Perks
  • 2.5/5Fees
  • 4/5APR

HIGHLIGHTS

  • Annual fee waived in the first year
  • 1% cashback (up to £10 per card) through 31 August 2019
  • Additional cards available for employees

REPRESENTATIVE EXAMPLE

Representative 21% APR (variable)
Purchase rate 15.9% p.a. (variable)
Assumed credit limit £1,200
Annual fee £32

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