Find the best card for building credit

We have a range of cards to help you build your credit when you spend and make on-time repayments. You’ll also earn cashback with Visa Offers when you shop for popular brands.

Tips to boost your credit score

Our best credit cards for credit building

  • No annual fee and exclusively available to HSBC Current Account customers only
  • £25 cashback when you open your account by 18 June 2019 and spend £300 within the first 60 days of account opening.**

Exclusively available to HSBC Bank account customers – Eligibility criteria apply

Representative Example

  • 29.9% APR (variable) representative
  • 29.9% p.a. (variable) purchase rate
  • Based on an assumed credit limit of £1,000

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

  • No annual fee and exclusively for existing HSBC Student Bank account holder only

Exclusively available to HSBC Student account 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 £500

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

  • 0% interest on purchases for 3 months from account opening*
  • £25 cashback when you open your account by 18 June 2019 and spend £300 within the first 60 days of account opening.**

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.

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

**To qualify for £25 cashback you must successfully apply for your card by 18 June 2019 and use it for purchases or a balance transfer to the value of £300+ within 60 days of opening your account. If you meet these requirements, a payment of £25 will be made to your credit card account by 31 October 2019. One payment offered per HSBC Credit Card account. Account must remain open at the date of cashback payment. T&Cs apply.

Quick comparison

Card Feature

Classic Credit Card

Student Credit Card Balance Transfer Credit Card
Maximum Credit Limit £1,000 £500 Subject to status
Special Offers n/a n/a £25 Cashback. T&Cs apply.

Representative Example

 

29.9% (variable)
Representative APR

 

29.9% pa (variable)
Purchase rate

 

Based on an assumed credit limit of £1,000 

18.9% (variable)
Representative APR

 

18.9% pa (variable)
Purchase rate

 

Based on an assumed credit limit of £500

21.9% (variable)
Representative APR

 

21.9% pa (variable)
Purchase rate

 

Based on an assumed credit limit of £1,200 

Annual Fee £0 £0 £0
Eligibility Criteria
  • have an annual income/pension before tax of £8,500 or more
  • be a UK resident*
  • be over 18
  • be an existing HSBC Current Account holder
  • have an annual income/pension before tax of £8,500 or more
  • be a UK resident*
  • be over 18
  • hold an HSBC Student Current Account
  • have an annual income/pension before tax of £8,500 or more
  • be a UK resident*
  • be over 18

Quick comparison

Card Feature

Maximum Credit Limit

Classic Credit Card

£1,000
Student Credit Card £500
Balance Transfer Credit Card Subject to status

Card Feature

Special Offers

Classic Credit Card

n/a
Student Credit Card n/a
Balance Transfer Credit Card £25 Cashback. T&Cs apply.

Card Feature

Representative Example

 

Classic Credit Card

29.9% (variable)
Representative APR

 

29.9% pa (variable)
Purchase rate

 

Based on an assumed credit limit of £1,000 

Student Credit Card

18.9% (variable)
Representative APR

 

18.9% pa (variable)
Purchase rate

 

Based on an assumed credit limit of £500

Balance Transfer Credit Card

21.9% (variable)
Representative APR

 

21.9% pa (variable)
Purchase rate

 

Based on an assumed credit limit of £1,200 

Card Feature

Annual Fee

Classic Credit Card

£0
Student Credit Card £0
Balance Transfer Credit Card £0

Card Feature

Eligibility Criteria

Classic Credit Card

  • have an annual income/pension before tax of £8,500 or more
  • be a UK resident*
  • be over 18
  • be an existing HSBC Current Account holder
Student Credit Card
  • have an annual income/pension before tax of £8,500 or more
  • be a UK resident*
  • be over 18
  • hold an HSBC Student Current Account
Balance Transfer Credit Card
  • have an annual income/pension before tax of £8,500 or more
  • be a UK resident*
  • be over 18

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