Balance Transfer Credit Cards

HSBC UK
Credit cards
Balance transfer credit cards

Find the best card for balance transfers

Take control of your finances and save money if you move your existing card balances to one of our balance transfer cards. You’ll also enjoy all the rewards and benefits you get from being an HSBC customer.

Why get a balance transfer credit card with HSBC?

Generous 0% balance transfer periods (balance transfer fees apply)
Cashback and rewards with Visa Offers until 6 August 2020 ¹
Contactless payments

^₁_{As of 7 August 2020 Visa Offers for HSBC will no longer be available. For more information, please visit https://www.hsbc.co.uk/offers/visa/}

Our best credit cards for balance transfers

Balance Transfer Credit Card

0% interest on balance transfers for 25 months from date of transfer, for transfers within first 60 days of account opening - a 1.5% fee applies (minimum £5)*

Available to all customers – eligibility criteria apply

Representative Example

21.9% APR (variable) representative
21.9% p.a. (variable) purchase rate
Based on an assumed credit limit of £1,200

Credit is subject to status, affordability and applicable terms and conditions.

Find out more about Balance Transfer Credit Card

Purchase Plus Credit Card

0% interest on balance transfers for 18 months from date of transfer, for transfers within first 60 days of account opening – a 2.9% fee applies (minimum £5)*

Available to all customers – eligibility criteria apply

Representative Example

22.9% APR (variable) representative
22.9% p.a. (variable) purchase rate
Based on an assumed credit limit of £1,200

Credit is subject to status, affordability and applicable terms and conditions.

Find out more about Purchase Plus Credit Card

Rewards Credit Card

0% interest on balance transfers for 6 months from date of transfer, for transfers within first 60 days of account opening - a 2% fee applies (minimum £5)*

Available to existing current account customers - eligibility criteria apply.

Representative Example

21.9% APR (variable) representative
21.9% p.a. (variable) purchase rate
Based on an assumed credit limit of £1,200

Credit is subject to status, affordability and applicable terms and conditions.

Find out more about Rewards Credit Card

Premier Credit Card

0% interest on balance transfers for 18 months from date of transfer, for transfers within first 60 days of account opening – a 1.4% fee applies (minimum £5)*

Available exclusively to Premier customers – eligibility criteria apply

Representative Example

18.9% APR (variable) representative
18.9% p.a. (variable) purchase rate
Based on an assumed credit limit of £1,200

Credit is subject to status, affordability and applicable terms and conditions.

Find out more about Premier Credit Card

*_{At the end of the promotional period, balance transfers and purchases will revert to the standard variable rate.}

Quick comparison
Card Feature	Balance Transfer Credit Card	Purchase Plus Credit Card	Rewards Credit Card	Premier Credit Card
0% balance transfer period (for balances transferred within the first 60 days of account opening)	25 months from date of transfer	18 months from date of transfer	6 months from date of transfer	18 months from date of transfer
0% purchase period	3 months from account opening	18 months from account opening	6 months from account opening	9 months from account opening
Balance transfer fee	1.5% (minimum £5) for balances transferred in the first 60 days	2.9% (minimum £5) for balances transferred in the first 60 days	2% (minimum £5) for balances transferred in the first 60 days	1.4% (minimum £5) for balances transferred in the first 60 days
Representative Example (on an assumed credit limit of £1200)	21.9% APR (variable) representative 21.9% p.a (variable) Purchase rate	22.9% APR (variable) representative 22.9% p.a (variable) Purchase rate	21.9% APR (variable) representative 21.9% p.a. (variable) Purchase rate	18.9% APR (variable) representative 18.9% p.a (variable) Purchase rate
Annual fee	£0	£0	£0	£0
Eligibility criteria	have an annual income/pension before tax of £6,800 or more be a UK resident be over 18	have an annual income/pension before tax of £6,800 or more be a UK resident be over 18	have an annual income/pension before tax of £6,800 or more be a UK resident be over 18 be an existing HSBC UK customer who holds an HSBC Advance Bank Account alternatively, have paid a total of £1750 a month into an HSBC UK Bank or Premier Bank Account over the last 6 months, not including money transferred from other sole or joint personal accounts held with HSBC UK.	have an annual income/pension before tax of £6,800 or more be a UK resident be over 18 be an existing HSBC Premier customer

Quick comparison
Card Feature	0% balance transfer period (for balances transferred within the first 60 days of account opening)
Balance Transfer Credit Card	25 months from date of transfer
Purchase Plus Credit Card	18 months from date of transfer
Rewards Credit Card	6 months from date of transfer
Premier Credit Card	18 months from date of transfer

Card Feature	0% purchase period
Balance Transfer Credit Card	3 months from account opening
Purchase Plus Credit Card	18 months from account opening
Rewards Credit Card	6 months from account opening
Premier Credit Card	9 months from account opening

Card Feature	Balance transfer fee
Balance Transfer Credit Card	1.5% (minimum £5) for balances transferred in the first 60 days
Purchase Plus Credit Card	2.9% (minimum £5) for balances transferred in the first 60 days
Rewards Credit Card	2% (minimum £5) for balances transferred in the first 60 days
Premier Credit Card	1.4% (minimum £5) for balances transferred in the first 60 days

Card Feature	Representative Example (on an assumed credit limit of £1200)
Balance Transfer Credit Card	21.9% APR (variable) representative 21.9% p.a (variable) Purchase rate
Purchase Plus Credit Card	22.9% APR (variable) representative 22.9% p.a (variable) Purchase rate
Rewards Credit Card	21.9% APR (variable) representative 21.9% p.a. (variable) Purchase rate
Premier Credit Card	18.9% APR (variable) representative 18.9% p.a (variable) Purchase rate

Card Feature	Annual fee
Balance Transfer Credit Card	£0
Purchase Plus Credit Card	£0
Rewards Credit Card	£0
Premier Credit Card	£0

Card Feature	Eligibility criteria
Balance Transfer Credit Card	have an annual income/pension before tax of £6,800 or more be a UK resident be over 18
Purchase Plus Credit Card	have an annual income/pension before tax of £6,800 or more be a UK resident be over 18
Rewards Credit Card	have an annual income/pension before tax of £6,800 or more be a UK resident be over 18 be an existing HSBC UK customer who holds an HSBC Advance Bank Account alternatively, have paid a total of £1750 a month into an HSBC UK Bank or Premier Bank Account over the last 6 months, not including money transferred from other sole or joint personal accounts held with HSBC UK.
Premier Credit Card	have an annual income/pension before tax of £6,800 or more be a UK resident be over 18 be an existing HSBC Premier customer

Why get a balance transfer credit card with HSBC?

Our best credit cards for balance transfers

Quick comparison

Quick comparison

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