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HSBC Balance Transfer

The introductory 0% offers on the HSBC balance transfer credit card change regularly. This allows HSBC to adjust their overall competitiveness in the UK credit card market. All of the UK banks, and card companies, use their 0% offers to attract new customers.

HSBC Balance Transfer

The longest HSBC balance transfer credit card offers new customers 0% interest for 33 months on balance transfers, with a 2.84% balance transfer fee applies (minimum £5), and a representative 21.9% APR (variable). This card also offers customers 0% for 3 months on purchases.

The HSBC low fee card is a new 0% transfer credit card. This card offers new customers 0% interest for 28 months on balance transfers, with a low 1% balance transfer fee applies (minimum £5), and a representative 21.9% APR (variable). This new HSBC 0% credit card also offers customers 0% for 3 months on purchases.

The HSBC no fee card is also now available once again in the UK credit card market. This no fee balance transfer card offers new customers 0% interest for 20 months on balance transfers, with no balance transfer fee and a representative 21.9% APR (variable).

HSBC Balance Transfer Offer

There is also a HSBC 0% offer available on the HSBC Purchase Plus credit card, and on the HSBC Rewards card. The HSBC Purchase Plus credit card has 0% interest for 23 months on balance transfers and on purchases, with a 2.99% balance transfer fee applies (minimum £5), and a representative 22.9% APR (variable).

This HSBC 0% credit card offer on the Rewards card is for a shorter 0% for 6 months on purchases and balance transfers. This card has a 2.99% balance transfer fee (minimum £5), and a representative 23.9% APR (variable).

The HSBC balance transfer offer for UK customers, includes 0% introductory offers on the the following featured credit cards:-.


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Card Offers

Balance Transfers:
0% for 20 months
Balance Transfer Fee:
0%
Purchases:
N/A
Representative APR:
21.9% APR (variable)

Card Details

HSBC Balance Transfer No Fee*
  • 0% interest for 20 months on balance transfers made within first 60 days of account opening
  • No balance transfer fee applies
  • No purchases offer with this card
  • At end of promotional period, balance transfers and purchases will revert to standard variable rate
  • Contactless payments to quickly and securely pay for purchases under £100
  • Manage your card online
  • Annual Fee: None

Application Criteria

HSBC Balance Transfer No Fee*
  • You have an annual income or pension before tax of £6,800 or more
  • You are a UK resident
  • You are aged 18 or over
  • You have not held a credit card with HSBC Bank in the last 6 months
No Balance Transfer Fee
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions
No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

Card Offers

Balance Transfers:
0% for 33 months
Balance Transfer Fee:
2.84%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)

Card Details

HSBC Balance Transfer*
  • 0% interest for 33 months on balance transfers made within first 60 days of account opening
  • 2.84% balance transfer fee applies (minimum £5)
  • 0% interest on purchases for 3 months from account opening
  • At end of promotional period, balance transfers and purchases will revert to standard variable rate
  • Worldwide offers and discounts with HSBC home&Away
  • Manage your card online
  • Annual Fee: None

Application Criteria

HSBC Balance Transfer*
  • You have an annual income or pension before tax of £6,800 or more
  • You are a UK resident
  • You are aged 18 or over
  • You do not hold an HSBC Basic bank account
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions
No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

Card Offers

Balance Transfers:
0% for 28 months
Balance Transfer Fee:
1%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)

Card Details

HSBC Balance Transfer Low Fee*
  • 0% interest for 28 months on balance transfers made within first 60 days of account opening
  • 1% balance transfer fee applies (minimum £5)
  • 0% interest on purchases for 3 months from account opening
  • At end of promotional period, balance transfers and purchases will revert to standard variable rate
  • Contactless payments to quickly and securely pay for purchases under £100
  • Manage your card online
  • Annual Fee: None

Application Criteria

HSBC Balance Transfer Low Fee*
  • You have an annual income or pension before tax of £6,800 or more
  • You are a UK resident
  • You are aged 18 or over
  • You have not held a credit card with HSBC Bank in the last 6 months
Low Balance Transfer Fee
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions
No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

Card Offers

Balance Transfers:
0% for 23 months
Balance Transfer Fee:
2.99%
Purchases:
0% for 23 months
Representative APR:
22.9% APR (variable)

Card Details

HSBC Purchase Plus*
  • 0% interest for 23 months on balance transfers made within first 60 days of account opening
  • 2.99% balance transfer fee applies (minimum £5)
  • 0% interest on purchases for 23 months from account opening
  • At end of promotional period, balance transfers and purchases will revert to standard variable rate
  • Worldwide offers and discounts with HSBC home&Away
  • Manage your card online
  • Annual Fee: None

Application Criteria

HSBC Purchase Plus*
  • You have an annual income or pension before tax of £6,800 or more
  • You are a UK resident
  • You are aged 18 or over
  • You do not hold an HSBC Basic bank account
Representative Example: 22.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 22.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions
No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

Card Offers

Balance Transfers:
0% for 6 months
Balance Transfer Fee:
2.99%
Purchases:
0% for 6 months
Representative APR:
23.9% APR (variable)

Card Details

HSBC Rewards*
  • 0% interest for 6 months on balance transfers made within 60 days of account opening
  • 2.99% balance transfer fee (minimum £5)
  • 0% interest on purchases for 6 months from account opening
  • Get reward points as you use your card
  • Get 2,500 welcome points worth £25 when you make your first transaction on your card
  • Online account management
  • Annual Fee: None

Application Criteria

HSBC Rewards*
  • You have an HSBC Advance Account, or an HSBC Bank Account or HSBC Premier Account
  • You have paid a total of £1750 a month into your account over last 6 months
  • You have an annual income or pension before tax of £6,800 or more
  • You are a UK resident
  • You are aged 18 or over
Representative Example: 23.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 23.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions
No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

HSBC Balance Transfer Credit Card

Applicants for the HSBC credit cards need to be UK residents and over 18 years of age. In addition, applicants also need to have an annual income, or pension, before tax of £6,800 or more per year.

The HSBC interest free credit cards can be used to make contactless transactions of up to £100. All of the above HSBC credit cards can also be used with the Apple Pay and Android Pay systems. These payment methods are available on many new mobile phones, and smart watches.

The HSBC 0% balance transfer credit card also offers customers the home&Away rewards programme. This gives customers instant discounts from well known brands, in the UK and right across the world.

The HSBC Rewards credit card, rewards you when you shop. You can collect reward points, then use the Mastercard Pay with Rewards app to put your points towards purchases.

Most new UK HSBC credit cards are now issued using the Visa payment network. The HSBC Rewards card however, uses the Mastercard payment network. Both Mastercard, and Visa cards, are widely accepted at millions of locations around the world, including shops, restaurants, hotels and petrol stations.

HSBC Balance Transfer Existing Customers

Existing customers of HSBC, who do not already have a credit card with the bank can apply for any of the 0% transfer cards available above.

However, the current HSBC 0% balance transfer offer is not available to any of the HSBC existing credit card customers. If you currently have a HSBC credit card, then like many other banks, HSBC does not allow a transfer from one HSBC issued credit card to another.

A transfer can not be made from the M&S credit cards to HSBC, for example. The Marks and Spencer balance transfer card is also issued by HSBC Bank. As a result, transfers from M&S to HSBC, or vice versa, are not allowed.

In addition, HSBC also issue the first direct and John Lewis / Waitrose Partnership credit cards. Customers who have one of these cards, are also not permitted to make a transfer to any of the other cards issued by HSBC.

There are HSBC balance transfer offers for existing customers available from the other UK credit card companies. These 0% credit cards will accept a transfer from the existing customers’ HSBC credit card.

Most balance transfers in the UK should complete within 5 days or less. Customers can usually check their online account to see if the balance transfer has gone through. Over a bank holiday period, you may need to allow extra time for the balance transfer to clear.


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Published: July 5, 2022, Updated: July 5, 2022 by Balance Transfer Expert

All 0% balance transfer credit card offers on this website are updated daily