HSBC Credit Card with Balance Transfer (32 months)

APR: 18.9% Representative
Intro purchase rate: 0% for 32 months
Purchase rate: 18.9%
OPTIOSCORE 61.6/100 
Balance transfers: 0% for 32 months
Balance transfer fee: 1.4%
HSBC Credit Card with Balance Transfer (32 months) customer reviews

2.1 out of 5 from 53 customer reviews

Representative Example: The standard interest rate on purchases is 18.90% p.a. (variable), so when borrowing £1,200 the Representative APR will be 18.90% (variable).

Contact HSBC Credit Card with Balance Transfer (32 months)

HSBC Credit Card with Balance Transfer (32 months) customer reviews

2.1 out of 5 from 53 reviews

Charged after explaining money troubles

14:34 15-06-2017

via Smart Money People

I had a credit card and they said they would help me sort a payment plan after I lost my job and couldn't afford repayments, a week later they slapped penalty charges on and sent it to bailiffs who added even more Charges, putting me in further money problems

Michael matthews

Great Credit Card

05:23 11-06-2017

via Smart Money People

No hassle, easy to manage on-line and great for every day use.

Martin Rowley

Very good

19:49 03-05-2017

via Smart Money People

Easy to deal with, credit limit increases no hassle and all transations clear and concise on their statements.

Evgenia Barton

Safety first banking

04:20 03-05-2017

via Smart Money People

I have been with HSBC all my life and have always found them fair when it comes to credit cards and loans. Recently they put a block on my account due to suspected fraud, turns out all was on and a quick phone call got this removed, but I am glad they are looking out for me in this way. I'd rather be safe than sorry as they say.

Rachael Taylor


11:07 04-04-2017

via Smart Money People

Very easy to manage online. Good customer service by phone.

Graeme Denman

Great service

18:06 30-11-2016

via Smart Money People

A great card for everyday use with good service

Rachel Milford

a normal card

19:17 12-09-2016

via Smart Money People

a very normal card with average line, nothing good, nothing bad.


Online and Physical Bill errors amount.

15:29 07-09-2016

via Smart Money People

My first problem with them was when i was checking my fees for the use of my Credit Card online and see a right amount but a couple days later i received the monthly bill by them and see a weird fees for some card operations, immediately call customer support and after some minutes they said it was a delay problems and it should be fixed in a moment. He was right it was fixed almost instantly but friends of mine told me that they had the same issue and they did not notice at all and pay the error amount so you should definitely be aware of your card's bill.

Derek Taylor

Quick service

18:19 31-08-2016

via Smart Money People

Changing from a current account to an Advanced account was quick and simple thanks to the staff who walked me through what was needed.


Higher fees, but customer care above average

06:39 31-08-2016

via Smart Money People

First things first - HSBC has generally higher fees for unusual transactions via credit card. I paid quite a lot for ATM withdrawal (admitting it is not the way you should be using your credit card). However, their support is great. I contacted their customer care twice and it was amazing experience every time. Problems solved and explained - a great example for other banks.

Simon Slansky

Our review of HSBC Credit Card with Balance Transfer (32 months)

Our review by Mark
Written by: Mark
Consumer sentiment



  • 0% on balance transfers for 32 months with a 1.4% fee (£5 min.)
  • 0% on purchases for 3 months
  • 18.9% variable APR on balance transfers after 32 month period

Minimum criteria

  • You must aged 18 years or older
  • You must live in the UK

About HSBC Credit Card with Balance Transfer (32 months)

HSBC balance transfer credit card with 0% on balance transfers for 32 months. Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 18.9% per annum variable with a 2.9% fee. After the 32 month period is up, the interest on the balance will revert to the standard 18.9% variable APR. 

You cannot transfer a balance from an HSBC Group card. The APR is dependent on your personal circumstances, and credit is subject to status.