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HSBC Balance Transfer Credit Card

Balance Transfer offer duration
33 mths
0% Purchase offer duration
3 mths
Representative % APR (variable)
21.9% APR
Transfer Fee

Representative Example


If you spend £1,200 at a purchase interest rate of 21.9% p.a. (variable) your representative APR will be 21.9% APR (variable)

What’s Good

No annual fee
Earn cashback from your favourite shopping brands with Visa Offers
Get instant discounts from well-known brands around the world with the home&Away rewards programme

What’s Bad

Introductory offer for new HSBC Bank Credit Card customers only
The balance transfer introductory offer is only applicable to balance transfers made within 60 days of account opening, from non-HSBC Group issuers
This offer can be withdrawn at any time


0% interest for 33 months on balance transfers made within the first 60 days of account opening
A 2.84% fee is applied to all balances transferred within this period (minimum £5)
0% on purchases for 3 months after account opening, then 21.9% p.a (variable)


Have an annual income/pension before tax of £6,800 or more
Be a resident of the UK*
Be over 18, and not hold an HSBC Basic Bank Account
*Channel Islands and Isle of Man customers are not eligible to apply online. Please visit your local branch to apply

Rates and Fees

Balance Transfer Offertooltip
Intro Rate
0 %
33 months
Transfer Fee
2.84 %
Purchase Offertooltip
Intro Rate
0 %
3 months
Annual Interest Ratestooltip
Balance Transfers
21.9 %
21.9 %
Cash Withdrawals
29.9 %
Other Key Facts
Annual Fee
Cash Advance Fees
2.99 %
Minimum Age
18 years
Minimum Income
Overseas Transaction Fee
2.99 %
What does ’pre-approved’ mean?

If you are pre-approved, this means that you will get the card or loan, at the rate advertised, providing the information you give us in accurate and you pass the lender’s final checks, which include fraud and responsible lending safeguards

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We don't provide financial advice. Product information is obtained from independent sources and rates displayed may vary depending on your personal circumstances. While we make every effort to ensure that information is up to date, you should always confirm the terms of the offer with the product provider.

TotallyMoney is owned and operated by TotallyMoney Limited which is registered in England and Wales (Company Registration Number 06205695). TotallyMoney Limited is an Appointed Representative of TM Connect Limited, which is registered in England and Wales (Company Registration Number 06967012) and authorised and regulated by the Financial Conduct Authority in respect of consumer credit related activities (FCA FRN: 511936). Trading Address and Registered Office: Chapter House, 16 Brunswick Place, London N1 6DZ. Credit is available, subject to status, only to UK residents aged 18 or over.

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