Full product details for the HSBC Credit Card, including card details, application criteria, introductory rates, standard rates, benefits, fees & charges and business credit cards.
from 132 ratings
132 customers rated their HSBC credit card as 3.7 out of 5 in our 2010/2011 Consumer Finance Awards.
The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
Intro Balance Transfer Rate
0%
The introductory rate for balance transfers is 0.0%.
Intro Balance Transfer Duration
23 months
Introductory balance transfer rate applies for 23 months.
Intro Balance Transfer Window
30 days
Balance transfers made within 30 days will receive the introductory offer associated with this card.
Intro Balance Transfer Fee
3.3%
Introductory balance transfer fee of 3.30% applied.
Intro Purchase Rate
0%
0.0% APR during introductory period.
Intro Purchase Duration
3 months
Introductory purchase rate applies for 3 months.
Minimum Age
18 years
Minimum age for applicants is 18 years.
Minimum Income
£0
There is no minimum income required.
Annual Fee
£0
An annual fee is not payable. However transactions (excluding interest and other charges) total less than £1,200 and no interest has been charged during the 12 months after this agreement is made and in any subsequent 12 month period, a charge of £20 will be made.
Representative APR
17.9%
Representative APR is 17.9%.
Cashback & Rewards Credit Card
no
International Charges
2.99%
Transactions made in foreign currencies within Europe are charged a 2.99% fee.
Air Miles
no
There is no travel reward programme available.
Availability
restricted
Only available to existing HSBC current account customers, paying in at least £500 a month.
Application Criteria
Permanent UK Resident
yes
This product is only available to individuals who are permanent UK residents.
Existing Customers Only
no
yes
Minimum Age
18 years
Minimum age for applicants is 18 years.
Minimum Income
£0
There is no minimum income required.
Credit Rating
good
Most suited to individuals who have an average income and a recent credit history free from credit defaults, arrears, CCJs or missed payments. The majority of credit card applicants can be described as having a good credit rating.
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Get £3 minimum initial balance transfer fee from Virgin.
Introductory balance transfer window of 90 days.
Take advantage of an introductory balance transfer fee of 2 percent from Atlantic Black Card Account (Visa).
Virgin gives max credit limit of £50,000.
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 47.2% (variable)+£140 fee p.a