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Credit Cards

Key Features Representative Example

Balance transfers

Credit Card

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  • 0% interest on balance transfers for 27 months
  • 2.29% balance transfer fee (minimum £5) applies to balances transferred in first three months
  • no annual fee
  • £500 minimum credit limit (subject to status)
  • available to existing 1st Account holders only

Representative example

Based on an assumed credit limit of:

£1,200, our 18.9% rate p.a. gives a representative rate of 18.9% APR variable.

Learn more about our Credit Card

Purchases

Gold Card

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  • 0% interest on purchases for 17 months
  • no annual fee
  • minimum limit £500 (subject to status)
  • available to existing 1st Account holders only

Representative example

Based on an assumed credit limit of:

£1,200, our 16.9% rate p.a. gives a representative rate of 16.9% APR variable.

Learn more about our Gold Card

Are you eligible?

Promotional rates are only available to first direct Current Account holders who haven't had a first direct Credit Card or Gold Card within the last six months. As you'd expect, credit is subject to status.

You'll find all the information you need in the Credit Card and Gold Card and please also read our Terms and Conditions before you apply.

What happens at the end of the promotional period?

At the end of the promotional period the rate will change to the standard variable rate that applies at the time.

Balance transfers

Once you've received your card, log on to Internet Banking and select 'Service request' and choose 'Balance transfer' from the left hand menu. Or call us any time, night or day on 03 456 100 100 - transfer requests received after 3.30pm or on a weekend or bank holiday will be processed the next working day, and it can take up to five working days for the money to reach your other credit or store card provider.

Sorry - we can't transfer balances between cards operated by members of the HSBC Group, including HSBC Bank plc, its subsidiaries, associated and affiliated companies. These include Marks & Spencer Financial Services plc and John Lewis Financial Services Limited.