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HSBC: Credit card reviews

Name: HSBC Credit card
Brand: HSBC
Rating: 2.54 (196 reviews)

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3.01

Based on 114 reviews, last reviewed 4th Aug 2025

100% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

41%

19%

11%

23%

Latest highest rating:

4

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

Latest lowest rating:

2

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... Read more Reviewed on: 4th August 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 (114)

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

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

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