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HSBC: Credit card reviews

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3.07

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)

Friendly knowledgeable staff in the bank and via phone

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

App needs modernising

Credit offered is good but the app has very little functionality. For example, if paying down a cresit card balance from a non-HSBC bank you must do an archaic process by bank transfer with reference code and can't just pay by card or in the app - which is the case for other credit card providers with more modern apps. Reviewed on: 24th March 2026

Just an all round good card,

Just an all round good card, no charges , a great rate and easy to use. Reviewed on: 22nd January 2026

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 spend several thousand pounds on this card each month. However, £150 transaction was very iffy, but HSBC refused to refund me, and there was no customer support. Reviewed on: 13th December 2025

Not the simplest of credit cards

Difficult to activate. Difficult to make on line payments. Just difficult all round, and no high street branch for 20 miles.. I've cut mine up. Reviewed on: 16th September 2025

The service is good.

The service is good. I do not like the way they in branch business is done in public in the foyer. It feels scruffy, impersonal and not secure Reviewed on: 15th September 2025

HSBC Card - no payment controls.. risky card to have

Watch out for HSBC credit cards. I got one for the first time last week. They assigned me a credit limit of 3x my monthly salary and never informed me. But the kicker is that they have no payment controls for their credit cards either on app or via any helpine other than completely block your card. In today's time of lots of fraud, not giving customer options for card controls is madness and on top of that, give a credit limit so high without telling meaning I go bankrupt if fraud use. terrible lack of awareness of market. similar lack of security procedure in bank account to when I opened 2 year back.. shut my account in 3 days due to completly missing security protocols on online access Reviewed on: 4th August 2025

Delay in receiving Credit Card

Applied for Credit Card online. No confirmation received via email/post/ text of successful application. Numerous calls made to Customer Service to enquire about status of application & when can expect to receive Card. Only received Credit Agreement to sign a month later. Reviewed on: 12th June 2025

My HSBC international debit card is so hit and miss.

My HSBC international debit card is so hit and miss. It never seems to work. Simple and truthful comment. I don’t have it yet, but Waze seems a better and more competitive (exchange rate), option. Reviewed on: 24th May 2025

HSBC Targeting, attacking & closing accounts of Jews...

Targeted, attacked & account closed due to Jewish ethnicity by HSBC UK Bank. Vile, Disgusting, Antisemitic Comments + Abuse by multiple staff (I was told Jewish people are "overprivileged"!). Lawyers involved - HSBC now REFUSING TO RESPOND, also to SAR Request sent by lawyer (after months). Therefore, HSBC's illegal, racist & Extremist conduct will be publicly reviewed for the foreseeable future. WARNING: HSBC ARE NOW TARGETING PEOPLES ACCOUNTS FOR CLOSURES BASED ON THEIR ETHNICITY, THIS IS NO EXAGGERATION. More will be posted in due course, complete with evidence. Reviewed on: 24th April 2025

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