Comparing UK 0% credit cards online since 2002
Over recent months, we have seen an increasing number of queries regarding the HSBC credit card application process. We have also seen an increasing number of questions about HSBC credit card eligibility.
HSBC are one of the UK’s largest high street banks. There are now a number of different HSBC credit card offers, currently available in the UK market. Many of these HSBC credit cards do have competitive 0% introductory offers available to new customers.
Answers to some of the most common questions that we have seen about the HSBC credit card application process can be found below, along with details of how you can apply for a HSBC credit card.
HSBC Credit Card Apply Online?
Can you apply for a HSBC credit card online? How long does HSBC credit card application take?
UK customers can apply for a HSBC credit card online. Now, more than ever, an HSBC credit card application is most likely to be made online. Very few card applications today are made in a bank branch, or over the telephone.
Customers who apply for a HSBC credit card online, can check if they are likely to be accepted for a HSBC credit card, before they start the full application.
This HSBC credit card eligibility checker completes a quotation search, which does not impact on your credit rating. You will be shown which HSBC cards you are likely to be accepted for, before completing the full application process.
Completing the HSBC credit card application online should only take a few minutes.
Apply For HSBC Credit Card
Listed below are the HSBC credit cards currently available online with 0% introductory offers, in the UK. Click on the links below to apply for a HSBC credit card.
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- 0% interest for up to 26 months on balance transfers made within first 60 days of account opening
- 3.49% balance transfer fee applies (minimum £5)
- 0% interest on purchases for 3 months from account opening
- At end of promotional period, balance transfers and purchases will revert to standard variable rate
- Worldwide offers and discounts with HSBC home&Away
- Manage your card online
- Annual Fee: None
- You have an annual income or pension before tax of £6,800 or more
- You are a UK resident
- You are aged 18 or over
- You do not hold an HSBC Basic bank account
- 0% interest for up to 16 months on balance transfers made within first 60 days of account opening
- 3.49% balance transfer fee applies (minimum £5)
- 0% interest on purchases for up to 18 months from account opening
- At end of promotional period, balance transfers and purchases will revert to standard variable rate
- Worldwide offers and discounts with HSBC home&Away
- Manage your card online
- Annual Fee: None
- You have an annual income or pension before tax of £6,800 or more
- You are a UK resident
- You are aged 18 or over
- You do not hold an HSBC Basic bank account
HSBC Credit Cards Eligibility?
All of the different credit card companies have differing application criteria. So, what is the HSBC credit card eligibility? Who can apply for a HSBC credit card in the UK?
If you are applying online for a new HSBC credit card you do not need to be a HSBC Bank customer already. If you have a current account with another bank, then you can still apply for a HSBC credit card.
Existing HSBC customers will however, find the application process quicker. This is because the bank will fill part of the HSBC credit card application form online for you. The bank will fill the form with the details they already know about you, like your address, for example. This will only happen if you apply for a HSBC credit card, when logged into HSBC online banking.
HSBC credit card applications can be made by customers who meet the following criteria:-
- Have an annual income or pension before tax of £6,800 or more
- Are UK resident
- Are aged 18 or over
- And do not hold an HSBC Basic bank account
HSBC Credit Card Limit?
What credit limit is likely with a HSBC credit card?
The credit limit given to a new HSBC credit card customer will vary. The limit will be based on the individual financial circumstances of each customer. One customer may get a credit card with a £3000 limit, for example, another customer may get a £5000 credit card limit.
The bank will use the information provided by the customer as part of their application, in order to calculate a suitable credit limit, specific to that customer. This information, including monthly income and outgoings, as well as the information provided by a credit reference agency, will be used in the credit limit decision process.
HSBC Credit Card Application Decision?
Once you apply for a HSBC credit card, how long does HSBC take to approve the credit card?
Many customers will receive an online decision at the end of the HSBC credit card application process. With an online decision you will know immediately whether you have been accepted, or declined, for a HSBC credit card.
In a small number of cases however, the credit card decision maybe referred. If this happens, then you will see a notice, at the end of the application, that HSBC will be in touch. When this happens, the application will be passed to a credit analyst within the bank. This analyst may then request further information from you, in order to make a decision.
Once your HSBC credit card application has been approved, your new credit card will be delivered to your home address within 3 to 5 working days.
HSBC Visa Credit Card or HSBC Mastercard?
Do new HSBC credit card customers receive a HSBC Visa credit card or a HSBC Mastercard credit card?
Most UK customers who make a HSBC credit card application, and are approved, currently receive a HSBC Visa credit card.
The now removed HSBC Rewards credit card was one of the few cards from HSBC, in the UK, which used the Mastercard payment network. HSBC Mastercard credit cards have however, been issued in the UK in previous years in much greater numbers.
All of the current HSBC Visa credit cards, and Mastercard cards, are accepted at petrol stations, retailers, hotels, restaurants and millions of other locations, in the UK and around the world, that accept Visa or Mastercard credit, and debit cards.
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