Balance Transfer Credit Cards | HSBC Channel Islands & Isle of Man

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

How to apply

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).

*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.
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 Credit Card you need to:

Have an annual income/pension before tax of £8,500 or more
Be a resident of either Jersey, Guernsey or Isle of Man.
Be over 18 and hold a HSBC Bank Account in the Channel Islands or Isle of Man, other than a HSBC Basic Bank Account

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.