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HSBC: Credit card reviews

Name: Credit card
Rating: 3.45 (117 reviews)

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3.00

Based on 117 reviews, last reviewed 13th Dec 2025

No new 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

39%

20%

11%

23%

Latest highest rating:

4

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

Latest lowest rating:

2

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 spen... Read more Reviewed on: 13th December 2025

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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.

HSBC Credit card reviews (117)

Review of the HSBC, Credit card:

HSBC - The World's Worst Bank

HSBC may be "the world's local bank", but more notably they're the world's worst! I have never had a worse banking experience than with HSBC, they are unhelpful (especially to existing customers), uncompetitive (both in terms of lending rates and banking services) and moreover they're completely incompetent. Thankfully it's been years since I held a current account with this shameful institution (never again shall I make that mistake) but last week I foolishly applied for a 0% balance transfer credit card with them. I'll bullet-point the chaos that ensued to save time: - Nearly a week after my application, without providing even an email confirmation to acknowledge that they had received it, they finally contacted me by email to request further information. - Despite me passing a credit check with ease, they requested that I upload copies of my last 3 payslips and last 3 month's bank statements. In hindsight this was a ludicrous request considering I had passed the credit check, but I figured I was committed by this point so I obliged and uploaded the documents through their frustrating online service. - A further 2 working days after this (again, no email confirmation) I finally receive a call from their frankly downright rude and abrasive credit card team. They start by challenging my declared salary, insisting that they've 'done the math' and it adds up to less than I've declared. Now, like any normal human being on this planet, I know what my annual salary is - so I questioned what 'math' they had done to arrive at this bizarre conclusion. It transpires they are calculating my annual basic salary post-tax and post corporate deductibles (company benefits, pension, etc.). That's not right is it? Damn straight it's not right, in fact, I've been back to their online application screen since to check and it clearly states that they want your annual income BEFORE tax. In any case, there was no reasoning with this particular moron who was adamant they had read my payslips correctly (they hadn't - my salary before tax is clearly stated and if you multiply it by 12, guess what? it adds up to my declared annual income!). In less polite words than I'm using now I 'requested' that they cancel my application and swipe their 0% card somewhere other than a card reader. - 20 minutes later I applied online for a similar card with Santander. - My application was accepted immediately. The moral of this story is: DON'T EVER BANK WITH HSBC, EVER, FOR ANY REASON! With love, Sam Reviewed on: 7th March 2019

New credit card

Just took out a new credit card. I am already a customer so there wasn't much admin but the process was quick and easy. I'm happy. Reviewed on: 4th January 2024

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

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