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HSBC Credit Card

Convenient and flexible spending around the world

Offering convenient and flexible spending almost everywhere you happen to be, the HSBC Credit Card gives you access to global offers with no annual fee.

Representative example

Representative

19.9% APR

Purchase rate 19.9% pa

Based on an assumed credit limit of GBP 1,200

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Why choose an HSBC Credit Card

0% interest on purchases for 3 months

Get 0% interest on purchases for 3 months from account opening.

0% interest on balance transfers for 32 months

Enjoy 0% interest for 32 months on balance transfers made within the first 60 days of account opening. A 1.5% fee applies (minimum £5) [@balancetransfer]

No annual fee

All the benefits you'd expect with no annual fee.

Your HSBC Credit Card also comes with

Up to GBP 300 daily cash withdrawal

Take out up to GBP 300 a day. Sterling cash advances are subject to a fee of 2.99%.[@cashwithdrawal]
Access to global offers

Get exclusive offers and benefits with home&Away.
Up to 56 days interest-free

Get up to 56 days interest-free on purchases when you pay your balance in full on time.

Contactless

Pay for items worth GBP 100 or less with a single tap.
Online account management

Check real-time statements, report a lost or stolen card or block it temporarily, activate cards, make payments.
Worldwide banking

Register and add your card to Global View to see your global HSBC accounts in one place.

Things to know

Who can apply?

To apply for an HSBC credit card, you must be:

an HSBC Expat customer
over 18 years old

All credit applications are subject to status, our lending criteria and an assessment of the circumstances of the applicant.

HSBC Credit Card Terms & Conditions (PDF) Download

The information contained in this table summarises key product features and is not intended to replace any Agreement Terms.

The representative APR (Annual Percentage Rate) is 19.9% APR variable (from 19.9% APR variable to 22.9% APR variable)
Other interest rates	Introductory rate[@introductoryrate] (per annum)	Monthly rate[@monthlyrate]	Annual rate[@monthlyrate]
Purchases	0% on purchases for 3 months after account opening	1.527% to 1.736%	19.9% to 22.9%
Cash Advances	N/A	2.075%	27.9%
Balance Transfers	0% on balance transfers made within 60 days of account opening for 32 months from account opening[@annualrate]	1.527% to 1.736%	19.9% to 22.9%

The information contained in this table summarises key product features and is not intended to replace any Agreement Terms.

The representative APR (Annual Percentage Rate) is 19.9% APR variable (from 19.9% APR variable to 22.9% APR variable)
Other interest rates	Purchases
Introductory rate[@introductoryrate] (per annum)	0% on purchases for 3 months after account opening
Monthly rate[@monthlyrate]	1.527% to 1.736%
Annual rate[@monthlyrate]	19.9% to 22.9%

Other interest rates	Cash Advances
Introductory rate[@introductoryrate] (per annum)	N/A
Monthly rate[@monthlyrate]	2.075%
Annual rate[@monthlyrate]	27.9%

Other interest rates	Balance Transfers
Introductory rate[@introductoryrate] (per annum)	0% on balance transfers made within 60 days of account opening for 32 months from account opening[@annualrate]
Monthly rate[@monthlyrate]	1.527% to 1.736%
Annual rate[@monthlyrate]	19.9% to 22.9%

Interest free period

Up to 56 days for purchases when you pay your balance in full every month by the due date.

Interest charging information

You will not pay interest on purchases if you pay your balance in full and on time each month. Otherwise, the period over which interest is charged from the date debited to your account, until it is paid in full.

Allocation of payments

If the amount you pay in a month is less than the full amount you owe, we will apply the amount you pay in the following order:

any unpaid arrears or amounts over the credit limit;
the amount you owe us and shown in your statement;
any transactions, interest or charges not yet included in a statement.

We will apply your payment first to amounts on your account which we charge at the highest interest rate followed by amounts we charged at lower interest rates. In each case, interest and charges are paid off first. If some amounts are charged at the same interest rate, we will apply your payment to the oldest amounts first.

For further details, please refer to your Credit Card Terms and Conditions (PDF).

Mimimum monthly repayment

If you entered into your agreement with us before 23 March 2011 the minimum payment will be the higher of:

A. 2.5% of the full amount you owe as shown on your monthly statement (including interest and charges)
B. £5

If you entered into your agreement with us from 23 March 2011 onwards, the minimum payment will be the higher of:

A. The sum of (a) interest for the period from the last statement, (b) any default charges, and (c) 1% of the full amount you owe as shown on your monthly statement (not including interest and charges)
B. 2.5% of the full amount you owe us as shown on your monthly statement (including interest and charges)
C. £5

Credit limit

Minimum credit limit is GBP500
Maximum credit limit is subject to status

Fees

No annual fees.

Charges

The following charges apply
Transaction type	Fee
Cash fee	2.99% of the cash advance or cash related payment, minimum £3
Balance transfers	1.5% of each balance transferred within 60 days of account opening, minimum £5 2.9% of the balance transferred after 60 days from account opening, minimum £5

The following charges apply
Transaction type	Cash fee
Fee	2.99% of the cash advance or cash related payment, minimum £3

Transaction type	Balance transfers
Fee	1.5% of each balance transferred within 60 days of account opening, minimum £5 2.9% of the balance transferred after 60 days from account opening, minimum £5

Foreign usage

Dependent upon the type of transaction you undertake, one or more of the following will apply

Payment Scheme Exchange Rate. To find out more, visit the Visa Rates website
Non-sterling transaction fee: 2.99% of the sterling amount of the transaction
Cash fee: 2.99% of the amount advanced, minimum £3

Default charges

This information does not apply to HSBC Premier Credit Card
Reason for charge	Fee
Late payment	£12
Over credit limit	£12
Return payment	£5
For enforcing repayment, including legal and tracing costs	Our reasonable costs

This information does not apply to HSBC Premier Credit Card
Reason for charge	Late payment
Fee	£12

Reason for charge	Over credit limit
Fee	£12

Reason for charge	Return payment
Fee	£5

Reason for charge	For enforcing repayment, including legal and tracing costs
Fee	Our reasonable costs

Illustrative example (includes introductory rates)

For a purchase of £1,000 on your HSBC Bank Credit Card
Example	Making the minimum payment each month	Paying GBP 50 each month	Paying GBP 100 each month
Taking into account introductory rates, how much interest will you be charged in the first year?	£125.69	£98.65	£52.17
How much interest will you be charged in the second year?	£150.72	£50.53	£0.00
How long would it take to clear the balance?	18 years, 5 months	1 year, 11 months	11 months

For a purchase of £1,000 on your HSBC Bank Credit Card
Example	Taking into account introductory rates, how much interest will you be charged in the first year?
Making the minimum payment each month	£125.69
Paying GBP 50 each month	£98.65
Paying GBP 100 each month	£52.17

Example	How much interest will you be charged in the second year?
Making the minimum payment each month	£150.72
Paying GBP 50 each month	£50.53
Paying GBP 100 each month	£0.00

Example	How long would it take to clear the balance?
Making the minimum payment each month	18 years, 5 months
Paying GBP 50 each month	1 year, 11 months
Paying GBP 100 each month	11 months

The above example assumes the following: the transaction takes place on 1st January and you make no further transactions; you always make the payment on the 15th; your statement is produced 31 days after you make the purchase; interest is calculated based on the representative 19.9% APR variable rate, and introductory rates are included.

We recommend that you pay more than the minimum payment whenever possible. If you make only the minimum payment each month, it will take you longer and cost you more to clear your balance, as shown in the example above.

Recurring transaction

A recurring transaction, sometimes called a continuous payment authority, is a series of payments collected with your agreement from your card by a retailer or supplier (for example, breakdown cover). This is an agreement between you and the retailer. The Direct Debit Guarantee does not cover these transactions.

Ready to apply?

Already with Expat?

Contact your Relationship Manager directly or call us on +44 1534 616 313 to schedule an appointment with your Relationship Manager.

New to Expat?

You can apply for an HSBC credit card once you've opened an Expat Bank Account with us.

Explore our Expat Bank Account

Additional information

Credit cards are provided by HSBC Bank plc, which is authorised by the Prudential Regulatory Authority and regulated by Financial Conduct Authority and the Prudential Regulatory Authority.

HSBC Bank plc, Card Services, PO Box 6001, Coventry, CV3 9FP, United Kingdom.

HSBC Credit Card

Convenient and flexible spending around the world

Representative example

Why choose an HSBC Credit Card

0% interest on purchases for 3 months

0% interest on balance transfers for 32 months

No annual fee

Your HSBC Credit Card also comes with

Things to know

Who can apply?

Important documents

Interest rates, fees and charges

Ready to apply?

Already with Expat?

New to Expat?

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