Discover the all-rounder that has up to 18 months of interest-free purchases and up to 16 months of interest-free balance transfers (3.49% fee, minimum £5).
Credit is subject to status, affordability and terms and conditions. The rate and promotional period we offer will depend on our assessment of your circumstances. Please read the important documents before applying. Why is it only 'up to' 18 months?
Representative example
Representative APR
24.9% APR (variable)
Purchase rate24.9% p.a. (variable)
Based on an assumed credit limit of £1,200
Offer details
- 0% interest on purchases for up to 18 months1 from account opening
- 0% interest for up to 16 months on balance transfers made within the first 60 days of account opening (3.49% fee, min £5)
Ready to apply?
Please read all important documents before applying.
Who can apply?
You can apply if you2:
- are over 18
- have an annual UK taxable income or pension, before tax, of £6,800 or more
- are a UK resident
- don't hold an HSBC basic bank account
New to HSBC?
You'll just need to provide a few details as part of your application.
Already an HSBC customer?
If you're registered for online banking, you can apply online now. You'll be able to see your pre-filled application form, submit it in just one click, and get an instant decision.
Standards of Lending Practice
HSBC adheres to the standards of lending practice guidelines.
The small print
1. At the end of any promotional period, balance transfers and purchases will revert to the standard variable rate.
2. If you have an HSBC UK credit card, you’re eligible to apply for another if you haven’t applied for an HSBC credit card within the past 6 months, and the card isn’t the one you currently have.
Balances can’t be transferred from all cards, for example those issued by members of the HSBC Group, including HSBC UK, first direct and M&S Bank.
Please note, if you currently hold a Classic, Student, Purchase Plus, or Balance Transfer Credit Card with us, you will not be eligible for this product.