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HSBC: Credit Card reviews

Name: Credit Card
Rating: 3.54 (111 reviews)

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3.13

Based on 111 reviews, last reviewed 24th Apr 2025

100% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

41%

20%

12%

22%

Latest highest rating:

4

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

Latest lowest rating:

1

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 t... Read more Reviewed on: 24th 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 (111)

Review of the HSBC, Credit Card:

With so many banks to choose, why even consider HSBC

I applied for an HSBC Visa Credit Card and it was the most unnecessarily complicated application you could imagine. Furthermore, I then applied for an additional user card which was even more difficult. I used the card for just one transaction and have now shredded the card. Trying to set up a direct debit for the repayments was sooo time consuming, so I decided to pay the card off and even that was hard work. I then tried Barclaycard and the experience of applying and setting up payments was an absolute breeze. I imagine the only reason one would consider using HSBC is because you've always been with them and don't know any different. Reviewed on: 1st December 2024

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

Excellent service

I have had credit cards and loans with HSBC over the past 15-years and they have always been great value, with excellent promotions and offers. I now have all my personal and business banking with HSBC. Reviewed on: 7th March 2023

Credit card very good

if you are fair with the Bank and the Bank in turn will reward you with a credit card that can help you enormously. Reviewed on: 21st February 2023

Absolute worst bank and customer service

The absolute worst bank and customer service I have ever experienced. Charging random cash advance fees and dynamic currency conversion fees, with vendors that I have used before and no other bank has ever charged me such fees for. Charging me interest for outstanding balances when my balance is always paid off well within the monthly payment deadline. Tried to contact customer service via securemail, chat function, call centre, and email – securemail and mail never get a response, chat function takes three hours to respond and have incompetent untrained reps who provide generic answers that aren’t helpful, call centre similarly know nothing and can’t action anything. Refund finally agreed, and was promised to be in my account within 3-5 working days, and still haven’t appeared after a month. Disgraceful and disgusting how a large bank can treat their customers with no respect and get away with it. Reviewed on: 10th October 2022

Worst Bank in the UAE

5 years being loyal customer… But no matter how loyal you are on this bank “HSBC.AE” They don’t care! You pay your bills on time and even you pay earlier before your due date in order to avoid any penalty…. They don’t care.!!! No matter how much you spent your credit card til you exceeded the limit…. They don’t care!!! You will not get anything in return!!!! Very very bad several!!! The worst bank for Credit Card here in the UAE… Reviewed on: 31st July 2022

The best.

I have several credit cards and have found HSBC the best of the lot. They always offer decent balance transfers from other cards and am always kept informed in regular emails.I like this company a lot. Reviewed on: 8th July 2022

HSBC credit card experience

I have been really impressed with HSBC's Balance Transfer Credit Card Reviewed on: 4th July 2022

Sneaky late fees

Despite setting up a direct debit to always pay my credit card off at the end of the period (under the premise of "never needing to worry about late fees"), it turns out that the direct debit only lasts one year. Without notification, and once in the habit of not paying it off manually, suddenly the direct debit disappears and rather predictably I got stung with a late fee. HSBC support very unhelpful in dealing with the matter. Reviewed on: 15th June 2022

Great customer service

Prompt action by customer service to block lost card Reviewed on: 4th April 2022

Great online banking

Don't use branches any more. Reliable online banking service. Reviewed on: 4th April 2022

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