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HSBC: Credit card reviews

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

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2.99

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)

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

The best bank

Maybe the most trusted, safety and reliable bank. Their staff is very competent and polite especially in the Walthamstow branch in London they helped me a lot! Thanks Reviewed on: 10th March 2023

Excellent service

I have had credit cards and loans with HSBC over the past 15-years and they have always been great value, with excellent promotions and offers. I now have all my personal and business banking with HSBC. Reviewed on: 7th March 2023

Credit card very good

if you are fair with the Bank and the Bank in turn will reward you with a credit card that can help you enormously. Reviewed on: 21st February 2023

Absolute worst bank and customer service

The absolute worst bank and customer service I have ever experienced. Charging random cash advance fees and dynamic currency conversion fees, with vendors that I have used before and no other bank has ever charged me such fees for. Charging me interest for outstanding balances when my balance is always paid off well within the monthly payment deadline. Tried to contact customer service via securemail, chat function, call centre, and email – securemail and mail never get a response, chat function takes three hours to respond and have incompetent untrained reps who provide generic answers that aren’t helpful, call centre similarly know nothing and can’t action anything. Refund finally agreed, and was promised to be in my account within 3-5 working days, and still haven’t appeared after a month. Disgraceful and disgusting how a large bank can treat their customers with no respect and get away with it. Reviewed on: 10th October 2022

Worst Bank in the UAE

5 years being loyal customer… But no matter how loyal you are on this bank “HSBC.AE” They don’t care! You pay your bills on time and even you pay earlier before your due date in order to avoid any penalty…. They don’t care.!!! No matter how much you spent your credit card til you exceeded the limit…. They don’t care!!! You will not get anything in return!!!! Very very bad several!!! The worst bank for Credit Card here in the UAE… Reviewed on: 31st July 2022

The best.

I have several credit cards and have found HSBC the best of the lot. They always offer decent balance transfers from other cards and am always kept informed in regular emails.I like this company a lot. Reviewed on: 8th July 2022

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