Secure 0% interest on balance transfers for 33 months and purchases for 3 months – pay just £0 and save 0% today with HSBC.

Highlights

Enjoy 0% interest on balance transfers for up to 33 months and 0% interest on purchases for up to 3 months, then 24.9% APR variable. A 3.19% fee applies per balance transferred, minimum £5.
Representative Example: Spend £1,200 at a purchase rate of 24.9% (variable) p.a., with a representative rate of 24.9% APR (variable).
Access discounts from top global brands with the HSBC home&Away rewards programme.
Receive instant spend notifications via the HSBC UK mobile app and stay in control of your finances.
Benefit from 24/7 worldwide assistance if your card is lost or stolen.
No annual fee for the Balance Transfer Credit Card.
Use your HSBC credit card worldwide wherever Visa or Mastercard is accepted.
All cards are contactless and compatible with digital wallets.
Check your eligibility in just 60 seconds without affecting your credit score.
Check your eligibility here.

Full Details

HSBC Balance Transfer Credit Card: Flexible, Secure, and Rewarding

Take control of your finances with the HSBC Balance Transfer Credit Card, designed for those who want flexibility and peace of mind. Enjoy up to 33 months of 0% interest on balance transfers and take advantage of extra savings with no annual fee. Built for modern lifestyles, this card fits seamlessly into your daily routine—whether you're managing debt, making new purchases, or travelling abroad.

Why Choose This Card?

Flexible Payments: Spread out repayments with up to 33 months at 0% interest on balance transfers (3.19% fee applies, minimum £5).
Introductory Purchase Offer: Pay no interest on new purchases for the first 3 months after opening your account; afterwards, a variable APR of 24.9% applies.
No Annual Fee: Keep costs low with no yearly charges—your money stays where it belongs.
Worldwide Acceptance: Shop or travel with confidence—use your card anywhere Visa or Mastercard is accepted globally.
Contactless & Digital Wallet Ready: Tap to pay or add your card to Apple Pay, Google Pay, or other digital wallets for fast, secure transactions.
Instant Spend Alerts: Stay on top of your spending with real-time notifications in the HSBC UK mobile app.
Loyalty Rewards: Access exclusive discounts from popular brands worldwide through the home&Away rewards programme.

Advanced Security & Support

24/7 Global Assistance: Lost or stolen card? Get help anytime, anywhere in the world.
No Impact Eligibility Check: Find out if you qualify in just 60 seconds without affecting your credit score—check now.

Maintenance & Care

Monitor your account regularly via the HSBC UK mobile app or online banking portal.
If using contactless or digital wallets, periodically update security settings for added protection.
If you lose your card, use the app or contact customer support immediately for swift assistance.

Usage & Integration Ideas

Pair this card with budgeting apps to track spending and optimise repayments during the promotional period.
Easily integrate into your digital wallet for seamless payments at home and abroad.
Take advantage of global brand discounts when shopping online or travelling overseas.

Specifications

Balance Transfers: Up to 33 months at 0% interest (3.19% fee per transfer; minimum £5).
Purchases: Up to 3 months at 0% interest; then a variable APR of 24.9% applies.
No Annual Fee:
Loyalty Programme: home&Away rewards access included.
Card Network: Visa / Mastercard compatibility worldwide.
Eligibility Check: Quick online assessment in under a minute with no impact on your credit score.

Repayment Details

Your minimum monthly payment will be the sum of any interest, default charges, payment protection insurance premium plus either 1% of the principal, or 2.5% of the balance or £5 (whichever is highest), or your statement balance if less than £5.

Representative Example*

If you spend £1,200 at a purchase rate of 24.9% p.a. (variable), your representative rate will be 24.9% APR (variable).

FAQs

Who can apply for this credit card?
This offer is available to new HSBC Bank Credit Card customers aged over 18 who are UK residents and meet HSBC's lending criteria.
Can I transfer balances from any credit card?
You can transfer balances from most non-HSBC Group issuers within 60 days of account opening; transfers from HSBC UK, first direct, and M&S Bank are not eligible.
How do I check my eligibility without affecting my credit score?
You can check eligibility online in just one minute using Creditec—this soft search won't impact your credit score and helps you compare options easily.

The Fine Print

For new HSBC Bank Credit Card customers only.
Available to over 18s and UK residents only
Credit is subject to status and affordability
Available on Balance Transfers made within 60 days of account opening from non-HSBC Group issuers. This offer can be withdrawn at any time.
The rate and interest free period that you actually receive will depend on HSBC's assessment of your circumstances.
This allows lenders and credit card providers to check your credit file to assess your eligibility. This search won’t affect your credit score. Creditec uses Equifax for these searches.
Please note that Wowcher is acting as an introducer to Creditec Limited, who will provide you with a comparison service. It is for informational use only.
These services compare credit cards, secured loans and personal loan products from various lenders. There is no guarantee that you will get a credit card, secured loan or personal loan offer or meet a lender's eligibility criteria.
Creditec Limited will not charge a fee for this service.
Balances can’t be transferred from all cards, for example, those issued by members of HSBC Group, including HSBC UK, first direct and M&S Bank.
Once your promotional period comes to an end, any outstanding balance will be charged interest at your standard variable interest rate.
You can only transfer 90% of your credit limit from an existing card e.g. if you are given a £1000 credit limit you can only transfer £900 to the new card.
Exclusively available on app.
Promo codes cannot be applied to this deal.
Marketing credits cannot be applied to this deal.
This deal will be advertised on site until 31.12.2025. Price is subject to change.

This deal is brought to you by Wowcher

HSBC Balance Transfer Credit Card – 0% Interest Offer & Worldwide Flexibility