Find the best card for purchases

Get flexibility when you need it most with one of our purchase cards. You’ll also enjoy all the rewards and benefits you get from being an HSBC customer.

Why get a card with HSBC?

Our best credit cards for purchases

  • 0% interest on balance transfers for 18 months from date of transfer, for transfers within first 60 days of account opening – a 2.99% fee applies (minimum £5)*

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.
 

  • 0% interest on balance transfers for 18 months from date of transfer, for transfers within first 60 days of account opening – a 1.4% fee applies (minimum £5)*

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 balance transfers for 32 months from date of transfer, for transfers within first 60 days of account opening – a 1.3% fee applies (minimum £5)*

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 balance transfers for 32 months from date of transfer, for transfers within first 60 days of account opening – a 1.4% fee applies (minimum £5)*

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 Card

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 Program N/A Redeem reward points for shopping vouchers and frequent flyer miles  N/A N/A
0% Balance transfer Period (for balances transferred within the first 60 days of account opening)
18 months
from date of transfer
18 months
from date of transfer
32 months
from date of transfer
32 months
from date of transfer

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 Criteria
  • 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 Card

£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 Card

3 months
from account opening

Card Feature

Rewards Program
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 Card

N/A

Card Feature

0% Balance transfer Period (for balances transferred within the first 60 days of account opening)
Matched Credit Card 18 months
from date of transfer
Premier Credit Card 18 months
from date of transfer
Advance Credit Card

32 months
from date of transfer
Balance Transfer Credit Card

32 months
from date of transfer

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 Card

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 Card

£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 Card

21.9% APR (variable)
Representative APR

21.9% pa (variable)
Purchase rate

Card Feature

Eligibility Criteria
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 Card

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

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