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Visa To Visa Card Transfer?

Can a UK credit card customer looking to make a balance transfer, make a Visa to Visa card transfer? Are there any restrictions on making a Visa to Visa card transfer?

Visa To Visa Card Transfer

A Visa to Visa card transfer occurs when a customer makes a balance transfer between two credit cards, which both carry the Visa branding.

Currently in the UK credit card market there are around 60 0% balance transfer credit cards, currently available online. A small number of these available balance transfer credit cards are issued using the Visa payment network.

Visa do not issue credit cards directly. Credit cards in the UK are available from a bank, or other financial company.

Visa do however, provide the brand, the systems, the services, and the rules that help make electronic payments happen. They provide the interface between millions of worldwide consumers, retailers and businesses.

Visa Credit Card Transfer?

When a credit card customer is looking to make a balance transfer, or Visa to Visa card transfer, between two Visa credit cards, there is one important factor they need to be aware of.

All of the UK credit card issuers, regardless of whether they issue Visa or indeed MasterCard credit cards, currently do do not allow balance transfers to be made when the two credit cards involved in the transfer, are both issued by the same card company.

As an example, you can not make a Visa to Visa card transfer from one HSBC balance transfer credit card to another HSBC issued credit card. This balance transfer is not allowed if both credit cards are Visa, and issued by the same company. This also applies even if one card is a Visa card, and the other card is a MasterCard.

Visa Balance Transfer Credit Cards

Many UK credit cards use the Mastercard payment network. However some of the UK credit card companies do issue cards using the Visa payment network.

The following featured cards include some of the most popular Mastercard and Visa balance transfer credit cards:-


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Card Offers

Balance Transfers:
0% for 33 months
Balance Transfer Fee:
2.7%
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
  • 2.7% 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 32 months
Balance Transfer Fee:
1.99%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)

Card Details

M&S Transfer Plus*
  • 0% for 32 months on balance transfers made within 90 days of account opening
  • 1.99% balance transfer fee, minimum £5
  • 0% on purchases for 3 months from account opening
  • Collect M&S points every time you shop anywhere in the world with your card
  • One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
  • Manage account online
  • Annual Fee: None

Application Criteria

M&S Transfer Plus*
  • You are a UK resident
  • You have an annual income or pension of at least £6,800
  • You are aged 18 or over
  • You have not held a credit card with M&S Bank within the previous 12 months
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)
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:
2.9%
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
  • 2.9% 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 24 months
Balance Transfer Fee:
2.9%
Purchases:
0% for 24 months
Representative APR:
21.9% APR (variable)

Card Details

M&S Shopping Plus*
  • 0% for 24 months on balance transfers made within 90 days of account opening
  • 2.9% balance transfer fee, minimum £5
  • 0% on purchases for 24 months from account opening
  • Collect M&S points every time you shop anywhere in the world with your card
  • One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
  • Manage account online
  • Annual Fee: None

Application Criteria

M&S Shopping Plus*
  • You are a UK resident
  • You have an annual income or pension of at least £6,800
  • You are aged 18 or over
  • You have not held a credit card with M&S Bank within the previous 12 months
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)
No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

Card Offers

Balance Transfers:
0% for up to 12 months
Balance Transfer Fee:
2.9%
Purchases:
0% for up to 12 months
Representative APR:
34.9% APR (variable)

Card Details

Post Office Classic
  • 0% on balance transfers for up to 12 months
  • 2.9% balance transfer fee
  • 0% on purchases for up to 12 months
  • Credit limit up to £8,000
  • Online account management
  • Annual Fee: None

Application Criteria

Post Office Classic
  • You are a UK resident
  • You have a bank or building society account
  • You are aged 18 or over
Representative Example: 34.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 34.9% p.a. (variable)
No balance transfers allowed to this card from Capital One or Post Ofice credit cards

Millions of locations, including shops, hotels and restaurants worldwide will accept credit cards with Visa branding.

Credit limits for UK customers do not vary simply because you have a Visa or a Mastercard credit card. As a result, a £4000 credit card limit, or indeed a credit card with a £7000 limit is equally possible on Visa or Mastercard. The credit card companies decide an individuals credit limit based primarily on an individuals financial circumstances.


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Published: September 14, 2021, Updated: October 19, 2021 by Balance Transfer Expert

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