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HSBC: Credit Card reviews

Name: Credit Card
Rating: 3.56 (109 reviews)

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3.18

Based on 109 reviews, last reviewed 17th Apr 2025

100% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

42%

19%

12%

21%

Latest highest rating:

5

Builders Very nice and very good ! I have this product and I am a heppi Reviewed on: 28th February 2025

Latest lowest rating:

1

Extremely Disappointing with Credit Card Application I am extremely dissatisfied with my recent experience applying for a credit card with HSBC. After submitting an online application, I received no con... Read more Reviewed on: 17th April 2025

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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 (109)

Review of the HSBC, Credit Card:

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

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

Reliable Credit Card

The HSBC Credit card is reliable and any customer service issues are always handled with care. Reviewed on: 8th April 2023

10

Very good money rates fee I recomand Reviewed on: 5th April 2023

Useful in some contexts

Credit card is helpful for unexpected costs that I want a bit more time to pay off, but given the low credit limit it can be more harmful than beneficial, as going above 50% doesn't reflect well on my credit score. Inclined not to use it much, which kind of defeats the point a bit, but it's come in handy at times. Not in love with it, but it does the job to some extent. Reviewed on: 31st March 2023

Good saving rate and easy access

Sort direct debits out with ease Reviewed on: 29th March 2023

Easy purchase

Credit card with re-payment in instalments. Great experience. Secured Reviewed on: 22nd March 2023

Total chaos

Applied for credit card and filled all details in including my direct debit details . Application was accepted I received my card then did a balance transfer. Came to first payment and I missed it. The bank gave me a black mark on my credit file. I complained and it turned out that it was the bank fault for not setting up mt direct debit . I won my case . But my credit file took a hit for 5 weeks until the hsbc changed the black mark to a banking error . Don't bank with HSBC Reviewed on: 21st March 2023

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

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