Balance Transfer Credit Card

Take control of your finances with a credit card that gives you flexibility to repay what you owe. Plus, the HSBC Balance Transfer Credit Card offers cashback as well as rewards from your favourite shopping brands – all for no annual fee.
Credit is subject to status, affordability and applicable terms and conditions.

Representative example

21.9% APR 


Representative APR

21.9% p.a 


Purchase rate

Card details

  • 0% interest for 25 months* on balance transfers made within the first 60 days of account opening
    A 1.5% fee applies (minimum £5).
  • 0% interest on purchases for 3 months* from account opening
  • No annual fee

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


  • Enjoy cashback and rewards
    Earn cashback from your favourite shopping brands with Visa Offers. Plus get instant discounts from well-known brands around the world with our home&Away rewards programme.

Using your card

  • Make contactless transactions
    Your card is contactless and you can add it to Apple PayGoogle Pay and Samsung Pay.
  • Manage your card online
    Online banking is a convenient way to manage your card. It lets you check your credit card balance, make payments and stay in control.
  • Get additional card
    Add your partner or family members over 18 to your account. It's a simple way to get more from your HSBC credit card.
  • Bank anywhere with the HSBC UK Mobile Banking app
    Make payments to existing beneficiaries and manage your personal accounts easily and securely with the HSBC UK Mobile Banking app.
  • Use your card abroad
    You can use your HSBC credit card at any retailer or cash machine that displays the logo on your card. Fees apply and non-HSBC cash machines may also charge a fee.
  • Enjoy 24/7 worldwide assistance
    Day or night, help is always at hand if your card is lost or stolen. Wherever you are in the world, you can speak to our dedicated support team about getting an emergency cash advance.

Apply for a Balance Transfer Credit Card

Please ensure you read the important information in the ‘Things you should know’ section before applying.

HSBC customers

If you’re already registered for Online Banking, you can apply online now.

View your pre-filled application form, submit in just one click, and receive an instant decision.

Apply in the mobile app

If you're registered for mobile banking and have downloaded the app you can apply within the app in just a few clicks.

New to HSBC

You just need to provide a few details as part of your application.

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Support if your card is lost or stolen.