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HSBC: Credit Card reviews

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

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3.02

Based on 113 reviews, last reviewed 12th Jun 2025

100% decrease in 5 star reviews

in the past 90 days

300% increase in 1 star reviews

in the past 90 days

41%

19%

12%

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:

1

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 en... Read more Reviewed on: 12th June 2025

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About this product

HSBC Credit Card reviews can help you to find out about the pros and cons of the HSBC Credit Card credit card. What kind of features do HSBC customers like? Find out more about the HSBC Credit Card by reading our trusted Smart Money People reviews. You can also write your own HSBC Credit Card reviews to share your own experience with Smart Money People, the UK's leading financial services review site. Together, we can make financial services work better for everyone.

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HSBC Credit Card reviews (113)

How many security questions?

My main gripe was the complete nightmare it is to set up online banking, phone calls, telephone security codes, questions, phrases, stupid bits of plastic, downloading app to generate yet another code. No other bank I have dealt with makes it such a fiasco. The customer service were patronizing, sounded bored and reading from a script. Glad I'm only using for the 0% balance transfer so won't have much occasion to log in as I suspect I'll have to reset the whole lot again as I cant what was the security passphrase and which was the security passcode! Reviewed on: 30th January 2019

Excellent service

We always receive excellent service from HSBC for all our accounts. Their security features are excellent and good interest rates. Reviewed on: 13th January 2019

Helped me

Needed help in a tough time and the 0% credit card helped me so much Reviewed on: 4th January 2019

Easy simple product

would recommend credit card no issues Reviewed on: 17th December 2018

Great to start with First time banking in UK

There is no doubt to start a bank account at very first time in UK. Provides great flexibility to a customer to have banking account and credit card at very first day when you approach HSBC Bank unlike other banks in UK. surprisingly HSBC follows and provides great fraud prevention based on the usage of your credit cards. Especially fast balance option is great innovative idea to see my balance without logging on the app. Clear details and description on the card statements. Thanks HSBC for being my first bank in UK and provides Credit card on first day. Reviewed on: 7th December 2018

Nice product to improve your credit score.

Product born to build a credit score in the UK. Difficult re paying option. Reviewed on: 3rd December 2018

Standard Credit Card

Very boring credit card, doesn't really offer any benefits and doesn't have the best rates on the market. Reviewed on: 22nd November 2018

FRIENDLY

ALWAYS FRIENDLY - NEVER BEEN AN ISSUE Reviewed on: 11th November 2018

Dont avail any of HSBC service

HSBC is the worst bank that I have ever come across. The credit card department is useless and hopeless. I have logged couple of complaints on 14th Aug and till now (24th Aug) no communication even if I have chased them 6-8 times with 45 mins discussion each time. Every time, I received false commitment from CC folks, their manager and next level manager as well. It such pathetic situation. DONT ever…ever. and ever go for their service .. be it credit card or account opening or anything else Reviewed on: 24th August 2018

HSBC credit card

Conducted a thorough application process to determine if the credit card (to be used for a balance transfer) was affordable before approving. Good customer experience so far. Reviewed on: 4th April 2018

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