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HSBC: Credit card reviews

Name: Credit card
Rating: 3.72 (128 reviews)

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3.72

Based on 128 reviews, last reviewed 15th Jun 2026

500% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

41%

20%

11%

22%

Latest highest rating:

5

clear & consistent communications clear & consistent communications Reviewed on: 15th June 2026

Latest lowest rating:

1

App/Website Not Yet Working. I finalised a Balance Transfer over to a HSBC Credit Card, & I was then advised to download the App to my mobile to ensure a stress free experience wh... Read more Reviewed on: 16th April 2026

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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 (128)

Good services

HSBC which I have been for over 10 years now started as being the perfect option for me moving to a new country. It turned out to be difficult to have good customer service for them and I nearly left the bank. However in the last few years they have been really good and up their game. Reviewed on: 4th February 2017

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

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