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HSBC Credit Card Application

HSBC Credit Card Application

Over recent months, we have seen a large increase in the number of queries regarding the HSBC credit card application process. We have also seen an increase in the number of questions about HSBC credit card eligibility.

HSBC are one the UK’s largest high street banks. There are a number of HSBC credit card offers currently available in the UK market. Three of these HSBC credit cards 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 to apply for a HSBC credit card.

HSBC Credit Card Apply Online?

Can a customer apply for a HSBC credit card online?

Yes, 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, rather than 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.

Apply For HSBC Credit Card

Listed below are the three UK HSBC credit cards currently available online with competitive 0% introductory offers. Click on the links below to apply for a HSBC credit card.


0% Credit Card Expert may receive commissions from some of the credit card companies that we refer users to. How this site works.

0% Credit Card Offers

Balance Transfers:
0% for 31 months
Balance Transfer Fee:
2.7%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)

Credit Card Details

HSBC Balance Transfer*
  • 0% interest for 31 months on balance transfers made within first 60 days of account opening
  • 2.7% 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

Application Criteria

HSBC Balance Transfer*
  • 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
£25 cash back when you successfully apply. Spend or balance transfer over £100 within 60 days of opening account. New customers only. Offer ends 13th Feb 2022.
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions

0% Credit Card Offers

Balance Transfers:
0% for 20 months
Balance Transfer Fee:
0%
Purchases:
N/A
Representative APR:
21.9% APR (variable)

Credit Card Details

HSBC Balance Transfer No Fee*
  • 0% interest for 20 months on balance transfers made within first 60 days of account opening
  • No balance transfer fee applies
  • No purchases offer with this card
  • At end of promotional period, balance transfers and purchases will revert to standard variable rate
  • Contactless payments to quickly and securely pay for purchases under £100
  • Manage your card online
  • Annual Fee: None

Application Criteria

HSBC Balance Transfer No Fee*
  • 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 have not held a credit card with HSBC Bank in the last 6 months
No Balance Transfer Fee
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions

0% Credit Card Offers

Balance Transfers:
0% for 22 months
Balance Transfer Fee:
2.9%
Purchases:
0% for 22 months
Representative APR:
22.9% APR (variable)

Credit Card Details

HSBC Purchase Plus*
  • 0% interest for 22 months on balance transfers made within first 60 days of account opening
  • 2.9% balance transfer fee applies (minimum £5)
  • 0% interest on purchases for 22 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

Application Criteria

HSBC Purchase Plus*
  • 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
£25 cash back when you successfully apply. Spend or balance transfer over £100 within 60 days of opening account. New customers only. Offer ends 13th Feb 2022.
Representative Example: 22.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 22.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions

HSBC Credit Cards Eligibility?

All of the UK’s different credit card companies have differing application criteria. So what is the HSBC credit card eligibility? Who can apply for a HSBC credit card?

A customer applying for a new HSBC credit card does not need to be a HSBC Bank customer in order to apply online. Customers whose current account is with another bank, can still apply for a HSBC credit card.

Existing HSBC customers will 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 process.

HSBC Credit Card Application Decision?

Once you apply for a HSBC credit card, how long does the card decision take?

Many customers will receive an online decision at the end of the HSBC credit card application process. In these cases the customer will know immediately whether they have been accepted or declined for a HSBC credit card.

In other cases, the credit card decision will be referred and customers 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 the customer in order to make a decision.

Once your HSBC credit card application has been approved, your new credit card will be delivered to your 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?

All UK customers who make a HSBC credit card application, and are approved, currently receive a HSBC Visa credit card.

There are currently no credit cards available from HSBC in the UK using the Mastercard payment network. HSBC Mastercard credit cards have been issued in the UK in previous years.

All of the current HSBC Visa credit cards are accepted at petrol stations, retailers, hotels, restaurants and millions of other locations in the UK and around the world that accept Visa credit and debit cards.


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Published: January 7, 2022, Updated: January 7, 2022 by 0% Credit Card Expert

All 0% credit card deals and offers on this website are updated daily