Balance Transfer Credit Card

Take control of your finances with a credit card that gives you flexibility to repay what you owe.

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

Representative example

19.9% APR

(variable)

Representative APR

19.9% p.a

(variable)

Purchase rate

Based on an assumed credit limit of

£1,200

Apply now for HSBC 32 Month Balance Transfer Credit Card

Card details

0% interest for 32 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

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

Using your card

Make contactless transactions

Your card is contactless and you can add it to Apple Pay, Google 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 Mobile Banking app

Make payments to existing beneficiaries and manage your personal acounts easily and securely with the HSBC 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. Find out more about credit card fees abroad.
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

To be eligible for an HSBC Balance Transfer Credit Card you need to:

have an annual income / pension before tax of £6,800 or more
be a resident of either Jersey, Guernsey or Isle of Man
be over 18

If you foresee any changes in circumstances that may affect your ability to repay the credit card you are applying for, for example a change in your income or outgoings, a change to your employment situation or you are a temporary or zero hours' contract worker, please apply by telephone or branch.

Introductory rates only apply if you haven't held an HSBC credit card within the last six months. Balances can't be transferred from cards issued by other members of the HSBC Group including first direct, M&S Financial Services plc, John Lewis Financial Services Ltd.

All HSBC credit cards are provided by HSBC Bank plc in the United Kingdom. HSBC Bank plc credit cards are governed by English law and your credit card account is maintained in the United Kingdom.

Existing HSBC Customers

If you’re already registered for online banking you can apply online now.

Log on to apply This link will open in a new window

Apply by phone

Call us on:

03456 00 61 61

Lines are open from 8am to 10pm every day (except Christmas Day, Boxing Day and New Year's Day)

New to HSBC

You can open a Balance Transfer Credit Card even if you don't have a current account with HSBC.

Simply fill out the online enquiry form and a member of staff will contact you within 48 hours regarding the next steps.

Enquire online This link will open in a new window

Alternatively, you can visit your local branch.

Find a branch

You must have at least 1 year address history on the islands. You’ll need to bring identification, proof of address and a recent bank statement into branch.

For a list of acceptable documents refer to the link.

Balance Transfer Card