Write a review

HSBC: Credit Card reviews

Name: Credit Card
Rating: 3.57 (107 reviews)

View other HSBC products

3.29

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

Read all reviews See your review

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:

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 hadn’t been used for at least 6months. I was paying the minimum payments which HSBC set at £47 per month. I had been paying this for months when I received at letter talking about increasing my payment amount. The letter described a “suggested” payment amount which was only £63. Simply out of convenience I opted to stay with the current payment amount as it suited me and there was no mention of any negative consequences on the letter. Fast forward a number of months and I try to use the card in Tescos… DECLINED. I thought I messed up the pin so I called HSBC CC to reissue a new pin, The man on the phone told me the problem was actually because they put a block on the card as they consider me to be in “Persistent Debt”. Told them they set the minimum payment and they been happy collecting the interest, now all of a sudden I’m branded in debt. They came up with lots of excuses like it’s FCA rules however the FCA doesn’t mandate a bank that they must block a card after a certain time. However they “may” if there was mitigating factors like poor payment history. Long story short, they point blank refused to lift the block until the entire balance was settled. A bit of laugh these lot are, They didn’t even tell me the block happened or gave some sort of forewarning that IF you don’t do this then we will block your card by this date. NOTHING. You can’t even tell the card is blocked on the banking app, literally says i have an available balance still. It’s only if you try to use it won’t let you. To conclude the man tried to upsell me a HSBC personal loan to clear the credit card balance. In essence taking more debt to pay debt. Left hand feeding the right hand. Such cowboys. Despite being branded “persistent debt”. I went to Lloyds and they happily gave me a 10k credit limit card and I’ve not done a 0% balance transfer. Addios HSBC Reviewed on: 22nd January 2025

Rude staff

They are so rude. They should be trained to attend to customers. I don't think they won't work. They don't listen to you. Reviewed on: 5th December 2023

Never recommend HSBC.

Damn officers, dont take HSBC’s services. Reviewed on: 21st November 2023

Global card

Simple’s and I do like simple. Perfect for when going abroad Reviewed on: 22nd August 2023

Accessible Student Credit Card

The ability to get a credit card along with a student bank account has allowed me to start building my credit history and score. Reviewed on: 11th June 2023

Good Reputable Company with clear terms and conditions.

Good Reputable Company with clear terms and conditions. Reviewed on: 3rd June 2023

Purchase Credit Card

If you're looking for a smart financial option, I highly recommend getting a Purchase Plus Credit Card Account. With 20 months of interest-free payments, I was able to book a family vacation for this year's holiday without worrying about paying extra interest rates. It helped me stay within my budget and made my vacation planning stress-free. Reviewed on: 1st June 2023

Enables students to gain a credit card

Excellent that HSBC offers students the opportunity to gain a credit card, enabling them to boost there credit score whilst still studying. Reviewed on: 31st May 2023

Good website and mobile app

Website and mobile app very user friendly. Reviewed on: 11th April 2023

HSBC Unhelpful to clients

Difficult to contact with correct departments and not very understanding when having difficulties in paying Reviewed on: 11th April 2023

Very good

Been with them for 4 years and can't complain Reviewed on: 11th April 2023

Do you have a different HSBC product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Avios Rewards Credit Card
from Lloyds Bank 3.94 from 57 reviews
Initial Credit Card
from Barclaycard 4.20 from 115 reviews
Advance Credit Card
from Lloyds Bank 3.95 from 54 reviews

There's still more to see!

HSBC has a range of products available. Check the ratings of each product to find the right one for you. View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub