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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 GBP1,200

No annual fee

Minimum credit limit GBP500

Maximum credit limit subject to status

19.9% APR

Representative APR

19.9% 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.
0% interest for 32 months* on balance transfers made within the first 60 days of account opening

A 1.5% fee applies (minimum £5)².
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 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 rate⁴ (per annum)	Monthly rate⁵	Annual rate⁵
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 opening⁶	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 rate⁴ (per annum)	0% on purchases for 3 months after account opening
Monthly rate⁵	1.527% to 1.736%
Annual rate⁵	19.9% to 22.9%

Other interest rates	Cash Advances
Introductory rate⁴ (per annum)	N/A
Monthly rate⁵	2.075%
Annual rate⁵	27.9%

Other interest rates	Balance Transfers
Introductory rate⁴ (per annum)	0% on balance transfers made within 60 days of account opening for 32 months from account opening⁶
Monthly rate⁵	1.527% to 1.736%
Annual rate⁵	19.9% to 22.9%

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

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

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

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.

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
HSBC House
Esplanade, St Helier
Jersey, JE1 1HS

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 19.9% 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