HSBC Credit Card

Published on 21 July 2012 by Raffick Marday

HSBC MasterCard credit card

Apply for our 0% MasterCard credit card online. 15.9% APR variable. Get an interest free credit card with an instant decision on our new online credit card application

Card Name
HSBC credit card
Card Type
MasterCard
Card Issuer
HSBC Bank PLC
Exclusive Features
Exclusive hospitality areas and concierge service at selected venues*

Eligibility

Minimum Age 18 years or over
Minimum Income earn more than £10,000
Status That do not already hold an HSBC Credit Card,  Are happy for them to undertake a credit register search and credit scoring. Can provide proof of address and ID can apply for a HSBC Credit Card.

Type of card – MasterCard Credit Card

The HSBC Credit Card is a MasterCard card – It can be used at over 25 million locations worldwide also with over 1 million ATM in over 210 countries whereever you see the MasterCard – Maestro or Cirrus acceptance sign.

HSBC Card Fees

Card Application Fee FREE
Card annual fee FREE
Card Limit Minimum credit limit £500, maximum credit limit subject to status
Interest Free Period 56 days
Minimum payment Any payment protection insurance premium plus £5 or 2.5%, whichever is higher, of your remaining statement balance, or if less than £5, your statement balance.
Late Payment charges Late payment £12.00 – Exceeding credit limit £12.00 – Returned payment – £5.00
Introductory offers – APR
Intro Rate
Intro Period
Annual Rate
Purchases
0%
12 months
15.9%APR variable to 22.9%APR variable
Balance Transfer
2.9%
24 months
15.9%APR variable to 22.9%APR variable
Cash
n/a
n / a
21.9% to 27.8%
Balance Transfer details
Fee percentage 2.5%
Minimum fee £5.00
maximum fee 2.5% handling fee

Charges –

Charges Cash Advances (the Cash Advance charge is applicable to cash withdrawals, bill payments, purchases of foreign currency and travellers cheques, but does not apply to gambling transactions) 2.5% handling fee, minimum £2.50Foreign Exchange – 2.75% of the amount of non-sterling transactions AND Balance Transfers 2.5% of each amount transferred, minimum £5
Allocation of payments Your payment is allocated to promotional rate Balance Transfers, then Purchases and standard rate Balance Transfers, and lastly to Cash Advances (full details are set out in Other Financial Information in the Agreement Terms).

Additional Benefits –

  • Free additional credit card – for partners or family members over 18
  • Reclaim 10% of your interest – if you hold Bank Account Plus or a Graduate Plus Account, we’ll refund 10% of any interest you pay on your Credit Card during the assessment period (ending 31 August each year).

Issued By:

HSBC Bank plc. Credit subject to status.

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