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HSBC: Credit card reviews

Name: Credit card
Rating: 3.56 (129 reviews)

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3.56

Based on 129 reviews, last reviewed 31st Jul 2026

400% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

41%

19%

11%

22%

Latest highest rating:

5

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

Latest lowest rating:

1

Disgusting & Humiliating Trying to get my phone to take a picture of me as if I am a criminal DOES NOT WORK. I have been trying for 2 days to do it is impossible. Disgusting &... Read more Reviewed on: 31st July 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 (129)

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

Friendly efficient staff

Rang the telephone enquiries line regarding altering my credit limit. Had to wait for around 10 minutes to speak to an advisor but once I was connected I was dealt with promptly, efficiently and in a polite friendly manner. Reviewed on: 20th June 2016

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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