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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)

Enables students to gain a credit card

Excellent that HSBC offers students the opportunity to gain a credit card, enabling them to boost there credit score whilst still studying. Reviewed on: 31st May 2023

Good website and mobile app

Website and mobile app very user friendly. Reviewed on: 11th April 2023

HSBC Unhelpful to clients

Difficult to contact with correct departments and not very understanding when having difficulties in paying Reviewed on: 11th April 2023

Very good

Been with them for 4 years and can't complain Reviewed on: 11th April 2023

Reliable Credit Card

The HSBC Credit card is reliable and any customer service issues are always handled with care. Reviewed on: 8th April 2023

10

Very good money rates fee I recomand Reviewed on: 5th April 2023

Useful in some contexts

Credit card is helpful for unexpected costs that I want a bit more time to pay off, but given the low credit limit it can be more harmful than beneficial, as going above 50% doesn't reflect well on my credit score. Inclined not to use it much, which kind of defeats the point a bit, but it's come in handy at times. Not in love with it, but it does the job to some extent. Reviewed on: 31st March 2023

Good saving rate and easy access

Sort direct debits out with ease Reviewed on: 29th March 2023

Easy purchase

Credit card with re-payment in instalments. Great experience. Secured Reviewed on: 22nd March 2023

Total chaos

Applied for credit card and filled all details in including my direct debit details . Application was accepted I received my card then did a balance transfer. Came to first payment and I missed it. The bank gave me a black mark on my credit file. I complained and it turned out that it was the bank fault for not setting up mt direct debit . I won my case . But my credit file took a hit for 5 weeks until the hsbc changed the black mark to a banking error . Don't bank with HSBC Reviewed on: 21st March 2023

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