Find the best card for everyday spending

Manage your finances with one of HSBC’s credit cards for everyday spending. You could also earn cashback with our Visa cards, when you shop at popular brands with Visa Offers.

Why get a card with HSBC?

Our best credit cards for everyday spending

  • 0% interest on purchases for 18 months from account opening*

Available to all customers –  eligibility criteria apply 

Representative Example

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

Credit is subject to status, affordability and applicable terms and conditions.

  • Introductory offer: 0% on purchases for 9 months after account opening*

Available exclusively to Premier customers - eligibility criteria apply

Representative Example

  • 18.9% APR (variable) representative
  • 18.9% p.a. (variable) purchase rate
  • Based on an assumed credit limit of £1,200

Credit is subject to status, affordability and applicable terms and conditions.

  • 0% interest on purchases for 3 months from account opening*

Available exclusively to Advance customers – eligibility criteria apply

Representative Example

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

Credit is subject to status, affordability and applicable terms and conditions.

  • 0% interest on purchases for 3 months from account opening*

Available to all customers –  eligibility criteria apply

Representative Example

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

Credit is subject to status, affordability and applicable terms and conditions.

*At the end of the promotional period, balance transfers and purchases will revert to the standard variable rate.

Quick comparison

Card Feature

Matched Credit Card

Premier Credit Card

 

 

Advance Credit Card

Balance Transfer Credit
Promotional Offers
n/a
Bonus reward points.T&Cs apply.
£25 cashback. T&Cs apply
£25 cashback. T&Cs apply

0% Purchase Period

18 months
from account opening

9 months
from account opening

3 months
from account opening
3 months
from account opening

Rewards programme

 

 

n/a

Redeem reward points for shopping vouchers and frequent flyer miles

n/a

n/a

0% balance transfer period

 

18 months
from date of transfer, for transfers within the first 60 days

18 months
from date of transfer, for transfers within the first 60 days

32 months
from date of transfer, for transfers within the first 60 days

32 months
from date of transfer, for transfers within the first 60 days
Balance transfer fee 2.99% (minimum £5)
for balances transferred in the first 60 days
1.4% (Minimum £5)
for balances transferred in the first 60 days

1.3% (minimum £5)
for balances transferred in the first 60 days

1.4% (minimum £5)
for balances transferred in the first 60 days

Annual fee

£0 £0 £0 £0
Representative Example (on an assumed credit limit of £1200)

22.9% APR (variable) Representative APR

22.9% pa (variable) Purchase rate

18.9%  APR (variable)
Representative APR

18.9% pa (variable)

Purchase rate

21.9% APR (variable) Representative APR

21.9% pa (variable) Purchase rate

 

21.9% APR (variable) Representative APR

21.9% pa (variable) Purchase rate

Eligibility
  • have an annual income/pension before tax of £8,500 or more
  • be a UK resident
  • be over 18
  • have an annual income/pension before tax of £8,500 or more
  • be a UK resident
  • be over 18
  • be an existing HSBC Premier customer
  • have an annual income/pension before tax of £8,500 or more
  • be a UK resident
  • be over 18
  • be an existing HSBC Advance customer
  • have an annual income/pension before tax of £8,500 or more
  • be a UK resident
  • be over 18

Quick comparison

Card Feature

Promotional Offers

Matched Credit Card

n/a

Premier Credit Card

 

 

Bonus reward points.T&Cs apply.

Advance Credit Card

£25 cashback. T&Cs apply
Balance Transfer Credit £25 cashback. T&Cs apply

Card Feature

0% Purchase Period

Matched Credit Card

18 months
from account opening

Premier Credit Card

 

 

9 months
from account opening

Advance Credit Card

3 months
from account opening
Balance Transfer Credit 3 months
from account opening

Card Feature

Rewards programme

 

 

Matched Credit Card

n/a

Premier Credit Card

 

 

Redeem reward points for shopping vouchers and frequent flyer miles

Advance Credit Card

n/a

Balance Transfer Credit n/a

Card Feature

0% balance transfer period

 

Matched Credit Card

18 months
from date of transfer, for transfers within the first 60 days

Premier Credit Card

 

 

18 months
from date of transfer, for transfers within the first 60 days

Advance Credit Card

32 months
from date of transfer, for transfers within the first 60 days

Balance Transfer Credit 32 months
from date of transfer, for transfers within the first 60 days

Card Feature

Balance transfer fee

Matched Credit Card

2.99% (minimum £5)
for balances transferred in the first 60 days

Premier Credit Card

 

 

1.4% (Minimum £5)
for balances transferred in the first 60 days

Advance Credit Card

1.3% (minimum £5)
for balances transferred in the first 60 days

Balance Transfer Credit 1.4% (minimum £5)
for balances transferred in the first 60 days

Card Feature

Annual fee

Matched Credit Card

£0

Premier Credit Card

 

 

£0

Advance Credit Card

£0
Balance Transfer Credit £0

Card Feature

Representative Example (on an assumed credit limit of £1200)

Matched Credit Card

22.9% APR (variable) Representative APR

22.9% pa (variable) Purchase rate

Premier Credit Card

 

 

18.9%  APR (variable)
Representative APR

18.9% pa (variable)

Purchase rate

Advance Credit Card

21.9% APR (variable) Representative APR

21.9% pa (variable) Purchase rate

 

Balance Transfer Credit

21.9% APR (variable) Representative APR

21.9% pa (variable) Purchase rate

Card Feature

Eligibility

Matched Credit Card

  • have an annual income/pension before tax of £8,500 or more
  • be a UK resident
  • be over 18

Premier Credit Card

 

 

  • have an annual income/pension before tax of £8,500 or more
  • be a UK resident
  • be over 18
  • be an existing HSBC Premier customer

Advance Credit Card

  • have an annual income/pension before tax of £8,500 or more
  • be a UK resident
  • be over 18
  • be an existing HSBC Advance customer
Balance Transfer Credit
  • have an annual income/pension before tax of £8,500 or more
  • be a UK resident
  • be over 18

You might also be interested in

 

Take a closer look at our Matched Card

 

View all our credit cards

 

An Overdraft could meet your short term needs