HSBC offers a range of credit cards designed for different financial goals. You can explore options for the HSBC Credit Card UK to earn rewards, consolidate debt, or build credit.
Before applying, it’s important to know the eligibility rules and required steps. This guide explains everything clearly so you can apply with confidence.
Understand HSBC’s Credit Card Options
Before applying, it’s smart to compare HSBC’s different cards. Each has its own rates, benefits, and requirements.
Balance Transfer Credit Card
This card offers up to 32 months of 0% interest on balance transfers, making it ideal for debt consolidation. It charges a 3.49% fee per transfer, with a minimum of £5.
The purchase APR is 24.9% variable, and the representative APR is the same. You must have good credit to qualify.
This card is best if you’re focused on managing existing credit card debt. Note that interest-free periods can change.
Purchase Plus Credit Card
Purchase Plus is for those who want flexibility. It provides 0% interest on purchases for up to 20 months and 17 months on balance transfers. Like the balance card, it charges a 3.49% balance transfer fee.
The APR is 24.9% variable. This is ideal for large purchases or spreading out payments without immediate interest. It’s a solid all-rounder if you pay your balances on time.
Rewards Credit Card
This card lets you earn reward points on eligible spending. The points can be redeemed for vouchers, travel, and other perks. The APR is lower at 23.9% variable.
It’s good for frequent card users who want value back. There’s no introductory offer, but the rewards can add up fast. Make sure to clear your balance monthly to avoid interest.
Classic Credit Card
The Classic Card is designed for those with limited or no credit history. It helps build your credit score over time. The APR is higher at 29.9% variable, with a £1,000 credit limit.
This is a basic option with fewer benefits. It works best if you are starting to establish your credit profile. Make small purchases and repay them in full.
Student Credit Card
Only available to existing HSBC Student Bank account holders. It comes with a lower APR of 18.9% variable and a £500 credit limit. It’s a practical tool for managing small student expenses.
There are no rewards or cashback options. You must have a student account with HSBC to be eligible. It’s best used responsibly to build credit while studying.
Premier Credit Card
Available only to HSBC Premier customers. Offers 9 months of interest-free purchases and 18 months on balance transfers. The APR is 23.9% variable with no annual fee.
This card provides extra perks and international assistance. Great for travel and high-spending customers. Requires an HSBC Premier relationship to apply.
Premier World Elite Mastercard
Designed for frequent travelers and exclusive to HSBC Premier and Private Banking customers. The APR is 100.2% variable, due to a high annual fee of £290.
Includes airport lounge access, reward points, and travel benefits. The purchase rate is 29.9% p.a. (variable). You must meet strict eligibility criteria. Only worth it if you fully use the perks.
How to Apply for an HSBC Credit Card in the UK?
Once you’ve chosen the card that suits you, the next step is to apply. The process is quick if you’re prepared.
Check Eligibility First
Not everyone qualifies for every HSBC credit card. Make sure you meet these general criteria:
- You must be at least 18 years old.
- You must live in the UK permanently.
- You should have a regular source of income.
- Your credit history should be clean, especially for reward and balance cards.
- Some cards require you to already be an HSBC account holder.
Gather the Required Documents
To apply, you’ll need to provide personal and financial details. Keep these documents ready:
- Valid photo ID (e.g., passport or UK driver’s license)
- Proof of address (e.g., utility bill or bank statement)
- Income verification (recent payslips or bank statements)
- Make sure all documents are recent and legible. This helps prevent delays.
Apply Online
HSBC makes it easy to apply online. The online form takes about 10 to 15 minutes to complete. Here’s what to do:
- Visit hsbc.co.uk/credit-cards
- Choose your preferred card
- Click “Apply”
- Fill out the online application with your personal and financial details
- Submit the form and wait for an approval decision
- You might get an instant response or be contacted later for more info.
Apply In-Branch If Needed
If you prefer face-to-face help, you can apply in person. Book an appointment at your local HSBC branch. Bring all required documents with you. A bank advisor will help you fill out the application. This method is helpful if you have questions or a complicated situation. It may take slightly longer than the online option.
HSBC Credit Card Rates and Fees
Each card has its own interest rate and fee structure. Make sure you understand the costs before applying.
Purchase and APR Rates
Each HSBC card comes with a different interest rate depending on its type and features. Here’s a quick comparison to help you evaluate the costs involved.
- Balance Transfer Card: 24.9% APR (variable)
- Purchase Plus Card: 24.9% APR (variable)
- Rewards Credit Card: 23.9% APR (variable)
- Classic Credit Card: 29.9% APR (variable)
- Student Credit Card: 18.9% APR (variable)
- Premier Credit Card: 23.9% APR (variable)
- Premier World Elite Mastercard: 100.2% APR (variable)
All APRs are based on assumed credit limits between £500 and £1,200. Your actual APR may differ depending on your profile.
Other Fees
In addition to purchase rates, it may include fees that affect your total cost. Below is a summary of the standard charges you can expect.
- Balance transfer fee: 3.49% (minimum £5)
- Annual fee for World Elite Mastercard: £290
- No annual fees on other standard cards
Need Help? Contact HSBC Support
If you need help during or after your application, there are several ways to contact HSBC. You can call their UK customer service team at (02) 85800.
You may also visit their official website at www.hsbc.co.uk to access the live chat feature. Live chat is available on most pages and connects you to a support agent.
For in-person help, go to your nearest HSBC branch. Always bring your ID and any documents related to your application.
Final Thoughts: Pick the Right HSBC Credit Card and Apply with Confidence
Choosing the right HSBC credit card depends on your goals. Whether you want to save on interest, earn rewards, or build credit, there’s a card for you.
Familiarize yourself with the application process and gather your documents well in advance. Contact HSBC if you need help before or after applying. Now that you know the facts, you’re ready to apply smartly and confidently.
Disclaimers: HSBC credit cards are subject to status, credit checks, and eligibility rules. Introductory offers may change and revert to standard APR after the promo ends.
