hsbc initial credit card

Representative APR Rate
Balance Transfer Rate
Balance Transfer Duration
Purchase Intro Rate
Purchase Intro Duration
15 months
3 months


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HSBC Initial Credit Card - General Information

The HSBC Bank Credit Card gives you 0% for 15 months on balances transferred within 30 days of you opening your account. 2.9% balance transfer fee applies, minimum £5.

The HSBC Bank Credit Card comes with up to 8% discount on Thomas Cook holidays booked through the HSBC Travel Club. You will need to Bank with HSB to get a card

  • 8% discount on Thomas Cook holidays
  • Free additional credit card for partners or family members over 18
  • 0% on purchases for 3 months from account opening
  • Need to Bank with HSB to get a card

HSBC Initial Credit Card - Fees and Charges

Type of Credit Card: MasterCard

Card Useage Charges
Representative APR (variable) 17.9%
Cash Advances 23.9%
Balance Transfers 16.9%
Cheque Transactions 17.9%
Money Transfers 17.9%
Minimum Requirements and Charges
Minimum Age 18 yrs
Minimum Income Level 0.00
Interest Free Period 56 days
Default Charges £12.00
Annual Fee FREE


Representative Example:

  • Purchase annual interest rate 17.9% (variable)
  • Representative 17.9% APR (variable)

Representative Example: If you spend £1,200 at an annual interest rate of 17.9% (variable) your Representative APR will be 17.9% (variable).

HSBC Initial Credit Card - Apply Online

You have chosen to apply for a HSBC Initial credit card, please ensure you meet the points below as this will make your application more likely to be approved.

1. Please Ensure That:

You are at least 18 Years of Age - You are a permanent resident/citizen of the UK
Have a regular income - Are not bankrupt or have any CCJ's

2. Proceed With Your Application

The above points are simply a guide to the minimum acceptance criteria for a HSBC Initial credit card. HSBC will carry out a credit reference or other enquires in accordance with their lending procedures.

Once approved they will then send you a copy of a completed application form through the post in order to obtain your signature. Please ensure you read their terms and conditions and see a full list of charges.

The decision to accept will only be made by HSBC after they have taken your details, confirmed your ID and completed a credit check.

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