HSBC | Student credit card

APR: 18.9% Representative
Intro purchase rate: 0% for 56 months
Purchase rate: 18.9%
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HSBC | Student credit card customer reviews

1.3 out of 5 from 465 reviews

Not too good I suppose

18:39 13-07-2017

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When I had an issue with my credit card some months ago, I tried to call many times and no one ever respond. Later on whenever I call just as I am about to connect to advisor the call fails. The customer service could be better.

Evgenia Barton

Solid credit card with great customer service

16:01 10-06-2017

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I'm very pleased with my HSBC credit card. Although there are no rewards or benefits of using it, because it is linked to my current account I can view all my finances in the app on my phone without logging in which means I can instantly see where I am financially. I've only had to call customer services a few times and each time was a pleasant experience.

Lindsey Martin

nice card decent credit limit

14:35 09-06-2017

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although the actual application process was a little long winded, being via post. I got a much higher credit limit than I expected and the card was easy to use and I feel confident in the high level of security surrounding accessing my account.

Alison Green


11:07 04-04-2017

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

Graeme Denman

Good protection

15:10 11-02-2017

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Although it can be annoying at times, HSBC's fraud detection team have contacted me a few times when I have purchased items that do not conform to my spending pattern.

Alexandria Miller

Good services

17:23 04-02-2017

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HSBC which I have been for over 10 years now started as being the perfect option for me moving to a new country. It turned out to be difficult to have good customer service for them and I nearly left the bank. However in the last few years they have been really good and up their game.


Great perks

14:18 08-12-2016

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Great credit card. We get vouchers which we save till the end of the year and helps with cost of Xmas

Sharon Freemantle

Great service

18:06 30-11-2016

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A great card for everyday use with good service

Rachel Milford

Quick service

18:19 31-08-2016

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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

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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 | Student credit card

Our review by Alex
Written by: Alex
Consumer sentiment


The HSBC Student Credit Card is only available to customers that already hold a HSBC Student Bank Account and don’t have any other student accounts elsewhere. As a bonus, if you are already registered with online banking then you can apply for the card on their website. Once accepted you will receive documentation in the post which you’ll then need to sign and send back to them for the process to be completed.

To give their customers peace of mind, HSBC offer their Student Credit Card holders access to a dedicated team that can help if the card is lost or stolen, even if it happens abroad. This means that you won’t be left stranded as you can apply for an emergency cash advance which you’ll pay back at a later date. You’ve also got control over your HSBC Student Credit Card via online banking where you can make and manage payments.

Across the board, the HSBC Student Credit Card has average scores, including their simplicity and features. When searching the web for customer reviews there are none specific to the HSBC Student Credit Card, but we can look at the reviews on HSBC as a whole. Quite disappointingly they’ve received a rating of ‘bad’ from Trustpilot with customers complaining that they’ve had problems with their online accounts getting locked and poor communication from their customer service department.

Overall verdict: Despite the poor online reviews HSBC are one of the most well-known names in banking and there are satisfied reviewers out there. The rate for the HSBC Student Credit Card is competitive and the low initial credit limit can help students to learn how to use credit responsibly.


  • Competitive representative APR of 18.9%
  • Manage the card with online banking
  • 24 hour worldwide assistance
  • No annual fee

Minimum criteria

  • You must be aged 18 or over
  • You must have been a resident of the UK, Channel Islands or Isle of Man for at least 3 years
  • You must not have a student account with another bank
  • You must be/or are intending to be a university, college or part time student
  • You must be able to provide proof of your educational acceptance

About HSBC | Student credit card

The HSBC Student Credit Card has an initial capped credit limit of £500, interest is charged at a representative APR of 18.9% and there is no annual fee to pay. The credit limit can be increased if you prove yourself to be responsible with credit, however this amount will depend on your personal circumstances and previous experience with credit. To apply you can complete the application online, over the phone or by attending an appointment in branch. If you want to apply online then you will need to already have a HSBC Student Bank Account and must have already registered for online banking.

There are a number of benefits that come with the HSBC Student Credit Card such as 24 hour worldwide assistance if your card is lost or stolen. Customers are also able to manage their card using online banking to check the balance and make payments.

To be able to apply for the HSBC Student Credit Card you will need to prove that you are already studying or intending to study at a university or college, either full or part time, in the UK, Channel Islands or Isle of Man. You can do so with a letter from UCAS stating your place of education.