Write a review

Newsletter

Go to business site

HSBC: Credit card reviews

Name: Credit card
Rating: 3.55 (129 reviews)

View other HSBC products

3.55

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

Read all reviews See your review

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.

HSBC Credit card reviews (129)

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

App needs modernising

Credit offered is good but the app has very little functionality. For example, if paying down a cresit card balance from a non-HSBC bank you must do an archaic process by bank transfer with reference code and can't just pay by card or in the app - which is the case for other credit card providers with more modern apps. Reviewed on: 24th March 2026

Just an all round good card,

Just an all round good card, no charges , a great rate and easy to use. Reviewed on: 22nd January 2026

Poor Customer Support.

Have banked with HSBC for 35 years. Service has deteriorated. Poor communication, foreign call centre. Recent problem with Rewards Credit Card. I spend several thousand pounds on this card each month. However, £150 transaction was very iffy, but HSBC refused to refund me, and there was no customer support. Reviewed on: 13th December 2025

Not the simplest of credit cards

Difficult to activate. Difficult to make on line payments. Just difficult all round, and no high street branch for 20 miles.. I've cut mine up. Reviewed on: 16th September 2025

The service is good.

The service is good. I do not like the way they in branch business is done in public in the foyer. It feels scruffy, impersonal and not secure Reviewed on: 15th September 2025

HSBC Card - no payment controls.. risky card to have

Watch out for HSBC credit cards. I got one for the first time last week. They assigned me a credit limit of 3x my monthly salary and never informed me. But the kicker is that they have no payment controls for their credit cards either on app or via any helpine other than completely block your card. In today's time of lots of fraud, not giving customer options for card controls is madness and on top of that, give a credit limit so high without telling meaning I go bankrupt if fraud use. terrible lack of awareness of market. similar lack of security procedure in bank account to when I opened 2 year back.. shut my account in 3 days due to completly missing security protocols on online access Reviewed on: 4th August 2025

Delay in receiving Credit Card

Applied for Credit Card online. No confirmation received via email/post/ text of successful application. Numerous calls made to Customer Service to enquire about status of application & when can expect to receive Card. Only received Credit Agreement to sign a month later. Reviewed on: 12th June 2025

My HSBC international debit card is so hit and miss.

My HSBC international debit card is so hit and miss. It never seems to work. Simple and truthful comment. I don’t have it yet, but Waze seems a better and more competitive (exchange rate), option. Reviewed on: 24th May 2025

HSBC Targeting, attacking & closing accounts of Jews...

Targeted, attacked & account closed due to Jewish ethnicity by HSBC UK Bank. Vile, Disgusting, Antisemitic Comments + Abuse by multiple staff (I was told Jewish people are "overprivileged"!). Lawyers involved - HSBC now REFUSING TO RESPOND, also to SAR Request sent by lawyer (after months). Therefore, HSBC's illegal, racist & Extremist conduct will be publicly reviewed for the foreseeable future. WARNING: HSBC ARE NOW TARGETING PEOPLES ACCOUNTS FOR CLOSURES BASED ON THEIR ETHNICITY, THIS IS NO EXAGGERATION. More will be posted in due course, complete with evidence. Reviewed on: 24th April 2025

Good credit card, good 0% balance transfer deal.

Good credit card, good 0% balance transfer deal. paper statements are good and app is also good Reviewed on: 19th April 2025

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

Balance Plus (discontinued)
from Capital One 4.20 from 4 reviews
British Airways credit card
from American Express 4.05 from 93 reviews
Flexicard
from Halifax 3.70 from 7 reviews

Want to see more from HSBC?

Investments
from HSBC 4.49 from 19 reviews
Travel Insurance
from HSBC 4.39 from 15 reviews
Online Bonus Saver
from HSBC 4.37 from 15 reviews

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