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Purchase Plus Credit Card

Discover Interest-free flexibility

Purchase Plus Credit Card

Whether you’re transferring a balance or making a big purchase, an interest-free period can give you the flexibility you need.

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

Representative example

22.9% APR


Representative APR

22.9% p.a


Purchase rate

Based on an assumed credit limit of


About this card

Card details

  • 0% interest for 18 months1 on balance transfers made within the first 60 days of account opening

    A 2.9% fee applies (minimum £5).

  • 0% interest on purchases for 18 months1 from account opening

  • No annual fee

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

    As long as they’re over 18, you can add your partner or a family member to your account.

  • 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.

Who can apply?

To be eligible for a Purchase Plus Credit Card you need to:
  • have an annual income / pension before tax of £6,800 or more
  • be a resident of the Channel Islands and Isle of Man
  • be over 18

Please read the important information in the Things you should know section before you apply.

Introductory rates may only apply if you haven't held an HSBC credit card within the last 6 months. Balances can't be transferred from cards issued by other members of the HSBC Group including first direct, M&S Financial Services plc and 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.

How to apply

If you foresee changes in your circumstances that may affect your ability to repay your credit card, such as changes in your income, outgoings or employment situation, or if you’re a temporary or zero hours contract worker, please apply by phone or in branch.

Existing HSBC customers

Applying for your first HSBC credit card?

If you're registered for online banking, you can apply online and get a decision in less than a minute.

Alternatively you can call 03456 00 61 61 to apply by phone.

Already got an HSBC credit card?

If you're applying for a second HSBC credit card you won't be able to apply online. You'll need to come into a branch.

New to HSBC

You can open a Purchase Plus Credit Card even if you don’t have a current account with HSBC.

Visit your local 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.

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Get 0% interest for 32 months1 on balance transfers made within the first 60 days of account opening.


A 1.5% fee applies (minimum £5).


Exclusively for HSBC Premier customers, with a Rewards Programme and travel benefits.

1At the end of the promotional period, balance transfers and purchases will revert to the standard variable rate.

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