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Student Credit Card

Feel the freedom of financial independence

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 UK, 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 Account at anytime and upgrade to the Student Bank Account when you have your place to study confirmed.

 

Apply by phone

Our friendly team is here to help. Call us on

0800 169 5422

Lines are open from 8am to 10pm everyday 

Textphone contact numbers

 

Apply in branch

Book your appointment to apply in branch by calling

03456 00 61 61

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.

Privacy Notice

We adhere to The Standards of Lending Practice 


The information contained in this table summarises key product features and is not intended to replace any Agreement Terms.

 

 

APR   Representative 18.9% APR variable
 
Interest rates

  Monthly rate Annual rate
  Purchases 1.456% 18.9%
  Cash Advances 1.789% 23.6%

 

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) 

 

Minimum repayment

 

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

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
Illustative example including introductory rates is set out below (for a purchase of £500 on your HSBC Bank Student Credit Card).

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

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.

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 UK, 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 Account at anytime and upgrade to the Student Bank Account when you have your place to study confirmed.

 

Apply by phone

Our friendly team is here to help. Call us on

0800 169 5422

Lines are open from 8am to 10pm everyday 

Textphone contact numbers

 

Apply in branch

Book your appointment to apply in branch by calling

03456 00 61 61

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.

Privacy Notice

We adhere to The Standards of Lending Practice 


The information contained in this table summarises key product features and is not intended to replace any Agreement Terms.

 

 

APR   Representative 18.9% APR variable
 
Interest rates

  Monthly rate Annual rate
  Purchases 1.456% 18.9%
  Cash Advances 1.789% 23.6%

 

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) 

 

Minimum repayment

 

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

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
Illustative example including introductory rates is set out below (for a purchase of £500 on your HSBC Bank Student Credit Card).

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

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.