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HSBC: Credit Card reviews

Name: Credit Card
Rating: 3.57 (107 reviews)

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3.25

Based on 107 reviews, last reviewed 22nd Jan 2025

No new 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

41%

20%

12%

21%

Latest highest rating:

4

Very happy with HSBC. Very happy with HSBC. The CS team is always very helpful. Reviewed on: 12th April 2024

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 (107)

Review of the HSBC, Credit Card:

Worst Bank of all times - HSBC.

I applied HSBC Credit card through the mobile banking app. I am a Premier HSBC customer and have been with the bank for almost two years. After doing a hard check on my credit profile, my application was approved and I receive sms confirmation mentioning my limit. However, they asked me to visit the bank few times. First they wanted some documents and they wanted me to upload my signature in person along with a signed Terms and Conditions form. Few weeks went by and new requests kept on coming. After multiple weeks and going through all of this, when I finally checked the status of my card, I found out that they had messed up the process and I needed to re-apply and do this all over again. I am closing all my accounts with them. In the era of Monzo, Starling and Santander, I have no business with them anymore. Reviewed on: 4th June 2024

No loyalty benefits

I have had an HSBC Gold credit card for about 20 years. During this time I've always paid the balance as soon as I made a payment so I have never paid any interest on it. I used it mainly for over the phone purchases or high value spends like holidays. Despite being a loyal customer for so long I had never been offered any added incentives to use the card - no points, cashback or discounts for anything. For this reason I now prefer to use my Nationwide credit card and only use the HSBC one occasionally to avoid paying the non-usage fee. It has the highest credit limit of my three cards so I have maianly kept the account in case I need it in an emergency. I have no complaints about it though and as it is linked to my current account it is easy to check my balance when I do spend on it. Reviewed on: 20th June 2016

Can't see why people choose these

Credit card rates are all pretty similar. I got my credit card with HSBC as I have my bank account with them, but don't use it anymore as there are better cards out there - ones that offer good benefits like cashback or points for airlines...look around. Reviewed on: 20th July 2015

I have had no problems with HSBC.

I have a credit card account with HSBC for Best Buy store credit card. While I have nothing exceptional to say because I have not had any issues, but I have no complaints either. I have been pleased with the card so far, no issues is a good thing! Reviewed on: 17th April 2015

very good at getting cash back

they have great cash back offers. we use them to help buy thing we need for the garden .they give us 5%cash back. when we buy the things we us the most like drugs store and lowes.we get about 250 dollar back a year does not sound like much but when your on a fixed income it helps alot Reviewed on: 14th April 2015

Pretty Standard Credit Card

This credit card is pretty standard, nothing to brag about. The cash rewards are a decent rate, but they're a pain to redeem. You have to go online and order your reward. They have non-cash gift rewards as well (which is why you have to request them), but there aren't any gift/travel rewards that are better than cash. Reviewed on: 14th April 2015

It does what it sayd

Its a credit card from a bank not super but not awful either. The Interest rate is high in my opinion. I do not shop around for free balance transfers deals and have all my financial service products with HSBC which is my downfall. I recently tried adding my wife to the card and it was a nightmare. I was told 4 times her signature did not match what they held on the system. I gave up in the end, I am looking into opening another card with the Post office as it offers a free balance transfer and I can then look to repay the balance as well as enabling myself and my wife to each have a card in case we need it. Reviewed on: 6th October 2014

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