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HSBC: Credit Card reviews

Name: Credit Card
Rating: 3.58 (108 reviews)

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3.29

Based on 108 reviews, last reviewed 28th Feb 2025

100% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

43%

19%

12%

20%

Latest highest rating:

5

Builders Very nice and very good ! I have this product and I am a heppi Reviewed on: 28th February 2025

Latest lowest rating:

1

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... Read more Reviewed on: 22nd January 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.

HSBC Credit Card reviews (108)

Review of the HSBC, Credit Card:

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

Great perks

Great credit card. We get vouchers which we save till the end of the year and helps with cost of Xmas Reviewed on: 8th December 2016

Great service

A great card for everyday use with good service Reviewed on: 30th November 2016

a normal card

a very normal card with average line, nothing good, nothing bad. Reviewed on: 12th September 2016

HSBC Credit Card

I have had this for almost 10 years. Fair and regularly raised credit limits. Helpful customer service. Well managed complaint when my details were stolen. Reasonable rates, would recommend. Reviewed on: 8th September 2016

Online and Physical Bill errors amount.

My first problem with them was when i was checking my fees for the use of my Credit Card online and see a right amount but a couple days later i received the monthly bill by them and see a weird fees for some card operations, immediately call customer support and after some minutes they said it was a delay problems and it should be fixed in a moment. He was right it was fixed almost instantly but friends of mine told me that they had the same issue and they did not notice at all and pay the error amount so you should definitely be aware of your card's bill. Reviewed on: 7th September 2016

Quick service

Changing from a current account to an Advanced account was quick and simple thanks to the staff who walked me through what was needed. Reviewed on: 31st August 2016

Higher fees, but customer care above average

First things first - HSBC has generally higher fees for unusual transactions via credit card. I paid quite a lot for ATM withdrawal (admitting it is not the way you should be using your credit card). However, their support is great. I contacted their customer care twice and it was amazing experience every time. Problems solved and explained - a great example for other banks. Reviewed on: 31st August 2016

HSBC have given me a bad credit rating from there incorrect advise. Also: Misleading, Breaching data protection, Lies, False information given.

Misleading and incorrect information with web chat and 40 minute hold time. Footprint on my credit rating from incorrect advise. Sending all banking details to wrong address - DPA. Online system problems with only one answer – Going into a branch. Misleading and incorrect that my address was changed - after taking time off work to go into the branch! False information given when told payments where set up when they were not! Lied when said would contact me within 72 hours. (FCA guidelines) Once calling back after one week with no contact from HSBC after raising the complaint. I was told that they would be in contact within one week and 8 days on still no contact from HSBC – Lied. Reviewed on: 25th August 2016

HSBC Credit Card/Loans

I've been with HSBC for over 17 years. During a hardship period I asked to take out a loan to consolidate my credit card debt and to allow for a small buffer, knowing that my financial circumstances were improving within a matter of months. HSBC said I could have a loan at 29% APR, they would not offer me anything else. Considering my credit card APR is 21.9% this of course made no sense. Definitely a case of "gives an umbrella when it's sunny and takes it away when the rain comes". Very, very disappointed to find out that had I been a new customer (and not a loyal one for nearly two decades!) then I could have had a loan for 3.6%. Go figure! I also wanted to only borrow £3,000 - I was actively encouraged in branch to go for £7,000 upwards which "would bring the interest rate down", despite me pointing out I didn't want extra debt. Outcome - I went to a different bank, applied for a 0% card and moved the HSBC debt to their competitor. Reviewed on: 21st August 2016

HSBC are ok until you want to contact them

Extremely and unbelievably poor service. Found unauthorised payments being debited monthly from my card. After two extremely long phone calls to HSBC, was unable to speak to anyone with any knowledge whatsoever to help. Made third call to cancel card and have new one sent out. Had new bill today to find that some helpful person at HSBC had transferred the unauthorised monthly debit to the new card issued despite my previous calls. Phoned again today to cancel card completely; this they would not do until someone from HSBC called back. Still waiting........circus and clowns come to mind Reviewed on: 27th July 2016

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