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Compare the range of HSBC credit cards available to find the right fit for your finances
HSBC offers a wide range of credit cards including:
These allow you to transfer your existing credit card debt to one with a lower interest rate, it may even be 0% interest for an introductory period.
Using this type of card means you can avoid paying high interest on what you owe, simplify your payments and get your finances back on track. Typically, you’ll be charged a fee for transferring your debt, usually a percentage of the amount you’re moving.
Some of HSBC’s purchase cards come with a long interest-free introductory period helping you spread the cost of your spending, plus you can pay off what you owe gradually without accumulating interest. Just make sure you pay off the balance before the 0% interest ends.
Purchases between £100 and £30,000 are protected under Section 75 of the Consumer Credit Act, meaning you could get your money back from HSBC if there’s a breach of contract.
Spending on a rewards card could give you points to put towards purchases or travel. HSBC rewards cards come with some introductory welcome points too.
It’s important to pay off your balance in full each month to get the most from your card, as the interest you owe could quickly wipe out any rewards you earn.
Available to HSBC Student Bank account holders, a student credit card can help you build a credit history and is useful to cover emergency expenses.
HSBC offers premier World and World Elite credit cards.
These have a wide range of benefits, including rewards points that can be redeemed for shopping vouchers, air miles and fine wines. The cards also offer travel perks such as complimentary access to airport lounges worldwide, hotel discounts and extended warranty cover.
You may be charged an annual fee for a premier credit card, and they tend to have high interest rates, so always make sure the perks are worth it.
HSBC’s classic credit card can help build or improve your credit rating, as long as you make your repayments on time.
A credit card can be a real asset to your finances when used responsibly.
They’re convenient for everyday spending or large purchases, especially if there’s a 0% interest introductory period to take advantage of. Essentially, this is free short-term borrowing, helping you conveniently spread the cost of a big purchase. Pay off any outstanding balance before the introductory period ends to reap the rewards.
If you have debts on other credit or store cards, then moving them onto a HSBC balance transfer card with a 0% or lower rate of interest could save you hundreds of pounds and give you the breathing room to get on top of your finances, too.
Using an HSBC reward credit card and paying off the balance in full each month means you really can get something for nothing.
Used in the right way, your HSBC credit card can help you spread the cost of large or expensive purchases, manage your debt and build your credit score. You can also earn reward points and privileges.
It’s always best to pay off your balance in full every month to avoid paying any interest and accumulating debt.
At the very least, you should aim to pay more than the minimum required so you can reduce how much interest you’ll have to pay. Think about setting up a direct debit to make sure your repayments are always on time.
Paying your credit card bills like this and staying within your limits can also build and improve your credit score.
Remember, you may be charged if your payments are late or if you go over your credit limit. It could also result in losing any introductory offer you have.
The risk of using any type of credit card is that you’ll overspend and if you only pay back the minimum payment every month, interest can quickly stack up, so you’ll end up owing way more than what you originally borrowed.
You might want to look at setting your credit limit quite low to start with to be sure you’re not stretching yourself financially.
And you should always aim to spend only what you can afford to pay back every month because late or missed payments on your credit card can adversely affect your credit score.
If you’re struggling to make your repayments, contact HSBC as soon as possible. They can work with you to find a solution to your growing debt.
As well as interest rates applied to any unpaid balance, you can expect other charges including:
HSBC credit cards can be used online, over the phone or in person at millions of retailers worldwide. They can also be used with Apple Pay, Google Pay or Samsung Pay.
Once you know the type of credit card that suits your lifestyle and circumstances, you can then compare HSBC options against the rest of the market.
Use our smart search tool to find the credit cards that you’re more likely to be accepted for, without affecting your credit score.
You’ll need to consider the interest rate, any promotional offers and how long they last, fees, charges and potential rewards.
That will depend on what you intend to use the card for and if it can offer you a competitive interest rate with minimal charges.
All HSBC credit cards offer:
Using online banking or the HSBC Mobile Banking app, you can check your balance, freeze your card and make payments easily.
HSBC is one of the largest banking and financial services organisations in the world.
In 1836, it began life as the Birmingham and Midland Bank and now serves over 40 million customers worldwide.
As well as credit cards, HSBC offers everything from current and savings accounts to mortgages, loans, home and life insurance policies.
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