Key benefits
- Earn cashback from your favourite shopping brands with *Visa Offers - Visa Offers is now available to all HSBC Student Credit Card holders.
- Representative 18.9% APR variable
- Manage your card online - It's quick and easy to check your balance and make payments
- Up to £500 credit available
- No annual fee to pay
*This link will allow you to leave the HSBC Bank plc's website. Please read terms and conditions of the linked website, which may differ from the terms and conditions of the HSBC Bank plc's website.
Representative example
Representative APR - 18.9% (variable)
Purchase rate - 18.9% p.a (variable)
Based on assumed credit of £1,200
The HSBC Student Credit Card is only available to HSBC Student Bank Account customers.
Credit is subject to status and account conduct.
Are you eligible?
To be eligible for an HSBC Student Credit Card, you need to:
- Be over 18
- Hold an HSBC Student Bank Account*
- Have been resident in Channel Islands or Isle of Man for at least three years
*A Student Bank Account can only be applied for when you have a confirmed place to study, however
you can open a HSBC Bank Accountat anytime and upgrade to the Student Bank Account when you
have your place to study confirmed.
How to apply
HSBC customer
If you're already registered for online banking you can apply online now.
Other ways to apply
If you're not an HSBC customer or not registered for online banking you can apply by phone or in branch.
Apply by phone
Our friendly team is here to help. Call us on
Lines are open from 8am to 10pm everyday
Apply in branch
Book your appointment to apply in branch by calling
Lines are open from 8am to 8pm everyday
You'll need to bring identification, proof and address and a recent statement from your current bank
You might also be interested in
Purchases
HSBC Student Credit Card new cardholders get a standard variable rate - representative 18.9% APR variable.
Representative 18.9% APR variable.
Managing your card
Online Banking is a convenient way to manage your card. It lets you check your credit card balance, make payments and stay in control.
24 hour 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 team about getting an emergency cash advance.
Up to £500 credit available
Not only does a card offer a convenient way for you to pay between student loans but, if you use it sensibly and clear your balance each month, it could show you are a responsible borrower which may help to improve your future credit rating.
No annual fee
The HSBC Student Credit Card has no annual fee.
Things you should know
Before applying, please take the time to read the following. You may also want to save some of these documents for future reference. These links may allow you to access a non HSBC website. HSBC Bank plc has no control over the linked website and is not liable for the use of it.
| APR |
Representative 18.9% APR variable |
||
|---|---|---|---|
| Interest rates |
Monthly rate |
Annual rate |
|
| Purchases |
1.456% |
18.9% |
|
| Cash Advances |
1.789% |
23.6% |
| APR |
Interest rates |
|---|---|
|
Annual rate |
|
| Representative 18.9% APR variable |
Monthly rate |
| APR |
|
|
18.9% |
|
| Representative 18.9% APR variable |
1.456% |
| APR |
|
|
23.6% |
|
| Representative 18.9% APR variable |
1.789% |
Interest free period
Up to 56 days for purchases when you pay your balance in full every month by the due date.
Interest charging information
You will not pay interest on purchases if you pay your balance in full and on time each month. Otherwise, the period over which interest is charged will be as follows.
Purchases, balance transfer, cash advances and cash related payments will debited from your account from the date selected until its paid in full.
Allocation of payments
If the amount you pay in a month is less than the full amount you owe, we will apply the amount you pay in the following order:
- any unpaid arrears or amounts over the credit limit;
- the amount you owe us and shown in your statement;
- any transactions, interest or charges not yet included in a statement.
We will apply your payment first to amounts on your account which we charge at the highest interest rate followed by amounts we charged at lower interest rates. In each case, interest and charges are paid off first. If some amounts are charged at the same interest rate, we will apply your payment to the oldest amounts first.
For further details, please refer to your Credit Card Terms and Conditions (PDF)
| If you entered into your agreement with us before 23 March 2011 the minimum payment will be the higher of: |
A. 2.5% of the full amount you owe as shown on your monthly statement (including interest and charges) B. £5 |
|---|---|
| If you entered into your agreement with us from 23 March 2011 onwards, the minimum payment will be the higher of: |
A. The sum of (a) interest for the period from the last statement, (b) any default charges, and (c) 1% of the full amount you owe as shown on your monthly statement (not including interest and charges) B. 2.5% of the full amount you owe us as shown on your monthly statement (including interest and charges) C. £5 |
| If you entered into your agreement with us before 23 March 2011 the minimum payment will be the higher of: |
If you entered into your agreement with us from 23 March 2011 onwards, the minimum payment will be the higher of: |
|---|---|
A. 2.5% of the full amount you owe as shown on your monthly statement (including interest and charges) B. £5 |
A. The sum of (a) interest for the period from the last statement, (b) any default charges, and (c) 1% of the full amount you owe as shown on your monthly statement (not including interest and charges) B. 2.5% of the full amount you owe us as shown on your monthly statement (including interest and charges) C. £5 |
Credit Limit
Minimum credit limit - £500
Maximum credit limit - subject to status
Fees
No annual fees
Charges
Cash fees - 2.99% of the cash advance or cash related payment, minimum £3
Balance Transfers - 1.4% of each balance transferred within 60 days of account opening, minimum £5
2.9% of the balance transferred after 60 days from account opening, minimum £5
Foreign Usage
Payment Scheme Exchange Rate: To find out more visit the Visa Rates website
Dependent upon the type of transaction you undertake, one or more of the following will apply:
- Non-Sterling Transaction fee - 2.99% of the Sterling amount of the transaction
- Cash Fee - 2.99% of the amount advanced, minimum £3.00
Default charges
For paying late - £12
For going over your credit limit - £12
For payments which are returned unpaid - £5
For enforcing repayment, including legal and tracing costs - Our reasonable costs
Repayments
| Monthly Payment |
Minimum payment
each month |
£50 payment each
month |
£100 payment each
month |
|---|---|---|---|
Taking into account introductory rates, how much interest will you be charged in the first year? |
£88.23 |
£47.81 |
£26.35 |
How much interest will you be charged in the second year? |
£73.88 |
£0.00 |
£0.00 |
How long would it take to clear the balance? |
12 years, 3 months |
11 months |
6 months |
| Monthly Payment |
Taking into account introductory rates, how much interest will you be charged in the first year? |
|---|---|
Minimum payment
each month |
£88.23 |
£50 payment each
month |
£47.81 |
£100 payment each
month |
£26.35 |
| Monthly Payment |
How much interest will you be charged in the second year? |
Minimum payment
each month |
£73.88 |
£50 payment each
month |
£0.00 |
£100 payment each
month |
£0.00 |
| Monthly Payment |
How long would it take to clear the balance? |
Minimum payment
each month |
12 years, 3 months |
£50 payment each
month |
11 months |
£100 payment each
month |
6 months |
The above example assumes the following: the transaction takes place on 1st January and you make no further transactions; you always make the payment on the 15th; your statement is produced 31 days after you make the purchase; interest is calculated based on the typical 18.9% APR variable rate, and introductory rates are included.
We recommend that you pay more than the minimum payment whenever possible. If you make only the minimum payment each month, it will take you longer and cost you more to clear your balance, as shown in the example above.
Recurring transaction
A recurring transaction, sometimes called a continuous payment authority, is a series of payments collected with your agreement from your card by a retailer or supplier (for example, breakdown cover). This is an agreement between you and the retailer. The Direct Debit Guarantee does not cover these transactions.
Overview
Key benefits
- Earn cashback from your favourite shopping brands with *Visa Offers - Visa Offers is now available to all HSBC Student Credit Card holders.
- Representative 18.9% APR variable
- Manage your card online - It's quick and easy to check your balance and make payments
- Up to £500 credit available
- No annual fee to pay
*This link will allow you to leave the HSBC Bank plc's website. Please read terms and conditions of the linked website, which may differ from the terms and conditions of the HSBC Bank plc's website.
Representative example
Representative APR - 18.9% (variable)
Purchase rate - 18.9% p.a (variable)
Based on assumed credit of £1,200
The HSBC Student Credit Card is only available to HSBC Student Bank Account customers.
Credit is subject to status and account conduct.
Are you eligible?
To be eligible for an HSBC Student Credit Card, you need to:
- Be over 18
- Hold an HSBC Student Bank Account*
- Have been resident in Channel Islands or Isle of Man for at least three years
*A Student Bank Account can only be applied for when you have a confirmed place to study, however
you can open a HSBC Bank Accountat anytime and upgrade to the Student Bank Account when you
have your place to study confirmed.
How to apply
HSBC customer
If you're already registered for online banking you can apply online now.
Other ways to apply
If you're not an HSBC customer or not registered for online banking you can apply by phone or in branch.
Apply by phone
Our friendly team is here to help. Call us on
Lines are open from 8am to 10pm everyday
Apply in branch
Book your appointment to apply in branch by calling
Lines are open from 8am to 8pm everyday
You'll need to bring identification, proof and address and a recent statement from your current bank
You might also be interested in
More information
Purchases
HSBC Student Credit Card new cardholders get a standard variable rate - representative 18.9% APR variable.
Representative 18.9% APR variable.
Managing your card
Online Banking is a convenient way to manage your card. It lets you check your credit card balance, make payments and stay in control.
24 hour 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 team about getting an emergency cash advance.
Up to £500 credit available
Not only does a card offer a convenient way for you to pay between student loans but, if you use it sensibly and clear your balance each month, it could show you are a responsible borrower which may help to improve your future credit rating.
No annual fee
The HSBC Student Credit Card has no annual fee.
Things you should know
Before applying, please take the time to read the following. You may also want to save some of these documents for future reference. These links may allow you to access a non HSBC website. HSBC Bank plc has no control over the linked website and is not liable for the use of it.
Interest Rates
| APR |
Representative 18.9% APR variable |
||
|---|---|---|---|
| Interest rates |
Monthly rate |
Annual rate |
|
| Purchases |
1.456% |
18.9% |
|
| Cash Advances |
1.789% |
23.6% |
| APR |
Interest rates |
|---|---|
|
Annual rate |
|
| Representative 18.9% APR variable |
Monthly rate |
| APR |
|
|
18.9% |
|
| Representative 18.9% APR variable |
1.456% |
| APR |
|
|
23.6% |
|
| Representative 18.9% APR variable |
1.789% |
Interest free period
Up to 56 days for purchases when you pay your balance in full every month by the due date.
Interest charging information
You will not pay interest on purchases if you pay your balance in full and on time each month. Otherwise, the period over which interest is charged will be as follows.
Purchases, balance transfer, cash advances and cash related payments will debited from your account from the date selected until its paid in full.
Allocation of payments
If the amount you pay in a month is less than the full amount you owe, we will apply the amount you pay in the following order:
- any unpaid arrears or amounts over the credit limit;
- the amount you owe us and shown in your statement;
- any transactions, interest or charges not yet included in a statement.
We will apply your payment first to amounts on your account which we charge at the highest interest rate followed by amounts we charged at lower interest rates. In each case, interest and charges are paid off first. If some amounts are charged at the same interest rate, we will apply your payment to the oldest amounts first.
For further details, please refer to your Credit Card Terms and Conditions (PDF)
| If you entered into your agreement with us before 23 March 2011 the minimum payment will be the higher of: |
A. 2.5% of the full amount you owe as shown on your monthly statement (including interest and charges) B. £5 |
|---|---|
| If you entered into your agreement with us from 23 March 2011 onwards, the minimum payment will be the higher of: |
A. The sum of (a) interest for the period from the last statement, (b) any default charges, and (c) 1% of the full amount you owe as shown on your monthly statement (not including interest and charges) B. 2.5% of the full amount you owe us as shown on your monthly statement (including interest and charges) C. £5 |
| If you entered into your agreement with us before 23 March 2011 the minimum payment will be the higher of: |
If you entered into your agreement with us from 23 March 2011 onwards, the minimum payment will be the higher of: |
|---|---|
A. 2.5% of the full amount you owe as shown on your monthly statement (including interest and charges) B. £5 |
A. The sum of (a) interest for the period from the last statement, (b) any default charges, and (c) 1% of the full amount you owe as shown on your monthly statement (not including interest and charges) B. 2.5% of the full amount you owe us as shown on your monthly statement (including interest and charges) C. £5 |
Credit Limit
Minimum credit limit - £500
Maximum credit limit - subject to status
Fees
No annual fees
Charges
Cash fees - 2.99% of the cash advance or cash related payment, minimum £3
Balance Transfers - 1.4% of each balance transferred within 60 days of account opening, minimum £5
2.9% of the balance transferred after 60 days from account opening, minimum £5
Foreign Usage
Payment Scheme Exchange Rate: To find out more visit the Visa Rates website
Dependent upon the type of transaction you undertake, one or more of the following will apply:
- Non-Sterling Transaction fee - 2.99% of the Sterling amount of the transaction
- Cash Fee - 2.99% of the amount advanced, minimum £3.00
Default charges
For paying late - £12
For going over your credit limit - £12
For payments which are returned unpaid - £5
For enforcing repayment, including legal and tracing costs - Our reasonable costs
Repayments
| Monthly Payment |
Minimum payment
each month |
£50 payment each
month |
£100 payment each
month |
|---|---|---|---|
Taking into account introductory rates, how much interest will you be charged in the first year? |
£88.23 |
£47.81 |
£26.35 |
How much interest will you be charged in the second year? |
£73.88 |
£0.00 |
£0.00 |
How long would it take to clear the balance? |
12 years, 3 months |
11 months |
6 months |
| Monthly Payment |
Taking into account introductory rates, how much interest will you be charged in the first year? |
|---|---|
Minimum payment
each month |
£88.23 |
£50 payment each
month |
£47.81 |
£100 payment each
month |
£26.35 |
| Monthly Payment |
How much interest will you be charged in the second year? |
Minimum payment
each month |
£73.88 |
£50 payment each
month |
£0.00 |
£100 payment each
month |
£0.00 |
| Monthly Payment |
How long would it take to clear the balance? |
Minimum payment
each month |
12 years, 3 months |
£50 payment each
month |
11 months |
£100 payment each
month |
6 months |
The above example assumes the following: the transaction takes place on 1st January and you make no further transactions; you always make the payment on the 15th; your statement is produced 31 days after you make the purchase; interest is calculated based on the typical 18.9% APR variable rate, and introductory rates are included.
We recommend that you pay more than the minimum payment whenever possible. If you make only the minimum payment each month, it will take you longer and cost you more to clear your balance, as shown in the example above.
Recurring transaction
A recurring transaction, sometimes called a continuous payment authority, is a series of payments collected with your agreement from your card by a retailer or supplier (for example, breakdown cover). This is an agreement between you and the retailer. The Direct Debit Guarantee does not cover these transactions.