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HSBC: Credit card reviews

Name: Credit card
Rating: 3.06 (120 reviews)

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3.06

Based on 120 reviews, last reviewed 25th Mar 2026

100% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

38%

20%

12%

23%

Latest highest rating:

4

Friendly knowledgeable staff in the bank and via phone Friendly knowledgeable staff in the bank and via phone Reviewed on: 25th March 2026

Latest lowest rating:

2

Poor Customer Support. Have banked with HSBC for 35 years. Service has deteriorated. Poor communication, foreign call centre. Recent problem with Rewards Credit Card. I spen... Read more Reviewed on: 13th December 2025

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About this product

With the HSBC Purchase Plus credit card, you can get a period of interest free purchases and balance transfers.

There's no annual fee for the Purchase Plus credit card. You can use your card in all countries and regions supported by the Visa and Mastercard networks. Fees apply, and non-HSBC cash machines may also charge a fee.

HSBC Purchase Plus credit card reviews help you find out what it’s really like to be a customer. If you’ve used HSBC before, you can also leave a review and share your experience.

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HSBC Credit card reviews (120)

Good credit card, good 0% balance transfer deal.

Good credit card, good 0% balance transfer deal. paper statements are good and app is also good Reviewed on: 19th April 2025

Extremely Disappointing with Credit Card Application

I am extremely dissatisfied with my recent experience applying for a credit card with HSBC. After submitting an online application, I received no confirmation email or reference number, an immediate red flag in terms of customer communication and process transparency. Following up by phone, I was shocked to be told by the customer service team that they had no visibility of my application whatsoever. This is deeply concerning, especially given that a hard search has clearly appeared on my credit report. If a search has been conducted, then the application has gone through on some level, so where is my information and why can’t their systems track it? The suggestion I received from the call centre to physically go into a branch to resolve this is completely unacceptable in 2025. In an age of digital banking, I find it baffling and frankly absurd that HSBC’s internal systems are not integrated well enough for phone support staff to access or verify online applications. This disconnect between digital and in-branch services is archaic and undermines customer confidence. Even more concerning is the implication that customer service representatives lack the necessary authorisation levels to deal with such a basic issue. Why offer online services if the infrastructure and staff training do not support them? This experience has not only wasted my time but may also have caused unnecessary damage to my credit score through a hard search for a credit product I now have no clarity on. One could argue that this raises potential breaches around consumer protection and fair treatment under FCA principles, as well as issues regarding transparency and data handling under GDPR. I expected better from a major bank like HSBC. This level of service is not only frustrating it’s unacceptable. I would urge HSBC to review and modernise their application tracking process, improve internal communication across service channels and ensure that applicants are treated with the transparency and respect they deserve. Reviewed on: 17th April 2025

Builders

Very nice and very good ! I have this product and I am a heppi Reviewed on: 28th February 2025

I had a HSBC Premier Credit card with a Limit of 4k,...

I had a HSBC Premier Credit card with a Limit of 4k, my balance was £1700 which is less than 50% Utililzation. I have no missed payments and the card hadn’t been used for at least 6months. I was paying the minimum payments which HSBC set at £47 per month. I had been paying this for months when I received at letter talking about increasing my payment amount. The letter described a “suggested” payment amount which was only £63. Simply out of convenience I opted to stay with the current payment amount as it suited me and there was no mention of any negative consequences on the letter. Fast forward a number of months and I try to use the card in Tescos… DECLINED. I thought I messed up the pin so I called HSBC CC to reissue a new pin, The man on the phone told me the problem was actually because they put a block on the card as they consider me to be in “Persistent Debt”. Told them they set the minimum payment and they been happy collecting the interest, now all of a sudden I’m branded in debt. They came up with lots of excuses like it’s FCA rules however the FCA doesn’t mandate a bank that they must block a card after a certain time. However they “may” if there was mitigating factors like poor payment history. Long story short, they point blank refused to lift the block until the entire balance was settled. A bit of laugh these lot are, They didn’t even tell me the block happened or gave some sort of forewarning that IF you don’t do this then we will block your card by this date. NOTHING. You can’t even tell the card is blocked on the banking app, literally says i have an available balance still. It’s only if you try to use it won’t let you. To conclude the man tried to upsell me a HSBC personal loan to clear the credit card balance. In essence taking more debt to pay debt. Left hand feeding the right hand. Such cowboys. Despite being branded “persistent debt”. I went to Lloyds and they happily gave me a 10k credit limit card and I’ve not done a 0% balance transfer. Addios HSBC Reviewed on: 22nd January 2025

With so many banks to choose, why even consider HSBC

I applied for an HSBC Visa Credit Card and it was the most unnecessarily complicated application you could imagine. Furthermore, I then applied for an additional user card which was even more difficult. I used the card for just one transaction and have now shredded the card. Trying to set up a direct debit for the repayments was sooo time consuming, so I decided to pay the card off and even that was hard work. I then tried Barclaycard and the experience of applying and setting up payments was an absolute breeze. I imagine the only reason one would consider using HSBC is because you've always been with them and don't know any different. Reviewed on: 1st December 2024

Terrible customer service - avoid at all costs!

After receiving my Platinum CC with a 10000$ Credit limit, I reduced it online to $6000 for security reasons. A month later I wanted to book international flights and tried online to increase limit back to $10000. Incising limit online did not work. I had to refill the form (provided same details as original application) and credit increase was denied. I called HSBC but the call center staff unable to provide reasons (offered to reapply in 3month time!). If I had been advised prior to reducing limit I had to re-apply to re-instate the original CC limit, I would not have reduced the limit. As a result, I missed out on a better airfare costing me money. I have now moved all my business to ANZ. Great job Jessica Power, Head of Wealth and Personal Banking, HSBC Bank Australia Limited for properly annoying and loosing customers! Never again. Reviewed on: 18th June 2024

Worst Bank of all times - HSBC.

I applied HSBC Credit card through the mobile banking app. I am a Premier HSBC customer and have been with the bank for almost two years. After doing a hard check on my credit profile, my application was approved and I receive sms confirmation mentioning my limit. However, they asked me to visit the bank few times. First they wanted some documents and they wanted me to upload my signature in person along with a signed Terms and Conditions form. Few weeks went by and new requests kept on coming. After multiple weeks and going through all of this, when I finally checked the status of my card, I found out that they had messed up the process and I needed to re-apply and do this all over again. I am closing all my accounts with them. In the era of Monzo, Starling and Santander, I have no business with them anymore. Reviewed on: 4th June 2024

I challenged a tarnation.

I challenged a tarnation. Had to fill in a proper form send it and 3 months later they still haven't responded. Reviewed on: 4th June 2024

Good could be a bit quicker to set up account...

Good could be a bit quicker to set up account Reviewed on: 15th April 2024

Very happy with HSBC.

Very happy with HSBC. The CS team is always very helpful. Reviewed on: 12th April 2024

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