HSBC Expat Credit Card | Credit cards

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HSBC Credit Card

Enjoy discounts at home and away

The HSBC Credit Card is a sterling card accepted at over 24 million locations around the world¹.

Representative example

Based on an assumed credit limit of GBP 1,200

No annual fee

Minimum credit limit GBP 500

Maximum credit limit subject to status

18.9% APR

Representative APR

18.9% pa

Purchase rate

Check eligibility and how to apply for a HSBC Credit Card

Why you'll want this card

0% interest introductory offer

Pay no interest on purchases for 3 months from account opening.
32-month balance transfer offer

Pay 0% interest on balances transferred within 60 days of opening your account².
Withdraw up to £300 cash per day

Cash advances are subject to fees³.
Access to global offers

Get exclusive offers and benefits through our Home&Away programme.
Use your card to make contactless transactions
No annual fee

Get all the benefits of an HSBC credit card without paying an annual fee.
Free additional card

Streamline your finances by adding your spouse or partner as a secondary cardholder during your application.
Easy account management

Get 24/7 online or phone access to check your balance and settle card bills.
Up to 56 days interest free

If you pay your balance in full on time, you can get up to 56 days interest-free on your purchases.

Things you should know

Please read the credit card agreement terms before applying for an HSBC Bank Credit Card.

HSBC Credit Card Terms & Conditions (PDF, 620KB) Download

Interest rates

The representative APR (Annual Percentage Rate) is18.9% APR variable (from 18.9% APR variable to 21.9% APR variable)
Other interest rates	Introductory rate⁴ (per annum)	Monthly rate⁵	Annual rate⁵ Effective	Annual rate⁵ Simple
Purchases	0% for 3 months	1.456% to 1.671%	18.9% to 21.9%	17.472% to 20.052%
Cash Advances	N/A	1.809% to 1.860%	23.9% to 24.7%	21.708% to 22.324%
Balance Transfers	0% interest for 32 months⁶	1.456% to 1.671%	18.9% to 21.9%	17.472% to 20.052%

The representative APR (Annual Percentage Rate) is18.9% APR variable (from 18.9% APR variable to 21.9% APR variable)
Other interest rates	Purchases
Introductory rate⁴ (per annum)	0% for 3 months
Monthly rate⁵	1.456% to 1.671%
Annual rate⁵ Effective	18.9% to 21.9%
Annual rate⁵ Simple	17.472% to 20.052%

Other interest rates	Cash Advances
Introductory rate⁴ (per annum)	N/A
Monthly rate⁵	1.809% to 1.860%
Annual rate⁵ Effective	23.9% to 24.7%
Annual rate⁵ Simple	21.708% to 22.324%

Other interest rates	Balance Transfers
Introductory rate⁴ (per annum)	0% interest for 32 months⁶
Monthly rate⁵	1.456% to 1.671%
Annual rate⁵ Effective	18.9% to 21.9%
Annual rate⁵ Simple	17.472% to 20.052%

⁴For new HSBC Bank credit card customers only.

⁵The rate that you actually receive will depend on our assessment of your circumstances.

⁶Available on Balance Transfers made within 60 days of account opening from non-HSBC Group issuers. This offer can be withdrawn at any time.

Interest free period

Get up to 56 days interest free on purchases if you pay your whole balance in full and on time.

Interest charging information

You will not pay interest on purchases if you pay your balance in full and on time each month. Otherwise, interest is charged on purchases, Cash Advances and Balance Transfers from the date the transaction is debited to your account until it is paid in full.

For Cash Advances and Balance Transfers any interest charge for the period from the previous statement to the date of full repayment will be debited the following month. Interest will not be charged on default charges.

Allocation of payments

Your payment is allocated in the following order:

Cash Advances
Purchases
Standard rate Balance Transfers
Promotional rate Purchases and Balance Transfers

For further details, please refer to your credit card terms and conditions.

Minimum monthly repayment

The minimum monthly payment comprises interest, default charges and any payment protection insurance premium plus 1% of the principal, or 2.5% of the balance or GBP 5 whichever is highest, or your statement balance if less than GBP 5.

Amount of credit

Minimum credit limit is GBP 500
Maximum credit limit is subject to status

Fees

There are no annual fees to pay for this card.

Charges

The following charges apply.
Transaction type	Fee
Cash fee (includes cash withdrawals, purchases of foreign currency and travellers cheques, but does not apply to gambling transactions)	2.99% handling fee, minimum GBP 3
Balance transfers	1.4% of each amount transferred, minimum GBP 5

The following charges apply.
Transaction type	Cash fee (includes cash withdrawals, purchases of foreign currency and travellers cheques, but does not apply to gambling transactions)
Fee	2.99% handling fee, minimum GBP 3

Transaction type	Balance transfers
Fee	1.4% of each amount transferred, minimum GBP 5

Using your card abroad

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 GBP 3

Default charges

This Summary Box does not apply to HSBC Premier Credit Card, Student Credit Card or Your Bank at Morrisons Credit Card.
Reason for charge	Fee
Late payment	GBP 12
Over credit limit	GBP 12
Return payment	GBP 5

This Summary Box does not apply to HSBC Premier Credit Card, Student Credit Card or Your Bank at Morrisons Credit Card.
Reason for charge	Late payment
Fee	GBP 12

Reason for charge	Over credit limit
Fee	GBP 12

Reason for charge	Return payment
Fee	GBP 5

Illustrative example (includes introductory rates)

This illustrative example sets out payments for a purchase of GBP 1,000 on your HSBC 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?	GBP 119.49	GBP 97.93	GBP 56.10
How much interest will you be charged in the second year?	GBP 142.74	GBP 53.33	GBP 0.00
How long would it take to clear the balance?	17 years, 8 months	2 years, 1 month	1 year

This illustrative example sets out payments for a purchase of GBP 1,000 on your HSBC 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	GBP 119.49
Paying GBP 50 each month	GBP 97.93
Paying GBP 100 each month	GBP 56.10

Example	How much interest will you be charged in the second year?
Making the minimum payment each month	GBP 142.74
Paying GBP 50 each month	GBP 53.33
Paying GBP 100 each month	GBP 0.00

Example	How long would it take to clear the balance?
Making the minimum payment each month	17 years, 8 months
Paying GBP 50 each month	2 years, 1 month
Paying GBP 100 each month	1 year

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

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 typical 18.9% 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.

Eligibility

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

an HSBC Expat account holder
over 18 years old

How to apply

HSBC Expat customers

To apply for an HSBC Credit Card, simply download an application form, complete it and send it to us.

Download application form (PDF, 155KB) This link will open in a new window

Send your completed form to:

HSBC Expat
PO Box 39
HSBC House, Ridgeway Street
Douglas, IM99 1BU, Isle of Man

Not yet a customer?

You can apply for an HSBC Credit Card once you have opened a bank account with us.

View our Expat bank account This link will open in a new window

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¹HSBC Bank plc, Card Services, PO Box 6001, Coventry, CV3 9FP, United Kingdom. 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.

²To request a balance transfer, call HSBC Bank plc on 08456 043114 or +44 1226 261 010. Lines are open 8am to 10pm everyday (except Christmas Day, Boxing Day and New Year's Day). Requests for a balance transfer received by us after 3.30 pm or on a non working day will be treated as if they were received the next working day. It can take up to 3 working days, from the day of receipt by HSBC Bank plc, for the money to reach your other credit card provider. Written requests can take up to 4 working days from the day of receipt by HSBC Bank plc.

Please note, balances cannot be transferred from cards issued by other members of the HSBC Group, which includes first direct, M&S Bank and John Lewis Partnership Group. After the introductory rate periods, your balance transfers and purchases will be charged at the standard variable rate when applicable, currently representative 18.9% APR variable.

³If you make a cash advance (other than for a gambling transaction) we will charge a cash fee of 2.99% of the amount advance minimum (GBP 3.00). If you make a transaction in a non-sterling currency (a foreign currency) we will also charge a non-sterling transaction fee of 2.99% of the amount of the transaction.

HSBC Credit Card