Write a review

Go to business site

HSBC: Credit card reviews

Name: Credit card
Rating: 3.47 (116 reviews)

View other HSBC products

2.93

Based on 116 reviews, last reviewed 16th Sep 2025

No new 5 star reviews

in the past 90 days

75% decrease in 1 star reviews

in the past 90 days

40%

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:

1

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

Read all reviews Write a 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.

Review HSBC: Credit card now

Help others make smarter decisions by sharing your own experience.

Write a review

HSBC Credit card reviews (116)

the most useless credit visa card and bank ever

i call costumer service today to increase my limit by from 500 pound to 1K , after nearly one hour on the phone ,and speaking to 3 different agents , i got a rejection . although i have 650 credit score /and total income of 40K / yearly . i dont advice anyone to try and ask to increases there limit , because its not trusted back and credit card for sure . now my credit score will drop down . i found them so pathetic to make such decision based on ridicules fact which is (i have not used my visa hsbc credit card for long time) how can i use it with small limit of 500 ??? Reviewed on: 8th July 2021

Efficient fast credit card provider

Very efficient on line application for a new credit card, granted within minutes and arrived 48 hrs later. 18 months interest free and £25 incentive what’s not to like. Good online app to support banking with Hsbc too Reviewed on: 16th June 2021

I have the credit card is amazing low charge very helpful team and security

It was my first card he still my main because of all the benefits it has Reviewed on: 14th June 2021

Does the job

I use them for all my banking. It's good. The app works well. Reviewed on: 14th June 2021

Security Nightmare

Complete nightmare to set up online banking, with phone calls, telephone security codes, questions, phrases, s downloading app to generate yet another code. Then if you forget one thing that's it no second chances. No other bank I have dealt with makes it so difficult to use, you must get it right or your locked out!. The customer service couldn't care less, I got locked out just because i done a typo on my phone with my date of birth, put in month as 18 instead of 10 which is an obvious typo but locked out I was.again! and have to wait 5 days before i can call up again whilst waiting on the post. Thank god I'm on the 0%,all i want to do is pay in more money!!! I may have to take out another credit card to pay this one off and get rid Reviewed on: 13th April 2021

Don't keep me informed, don't seem to care

Completely impersonal experience. they keep stopping my card from working without telling me because of security checks, and then it is difficult to get it re-established. The staff do their best, I think they are outsourced, but it is just a dispiriting experience dealing with them. Reviewed on: 12th March 2021

Quick service, flexible approach to credit limits and friendly service

Quick service, flexible approach to credit limits and friendly service Reviewed on: 27th February 2021

Out of date service

Setup was simple via the app as a existing current account customer but direct debit setup and requesting additional card seems archaic either a sloppy online form or PDF to download and post. This is surprising in this day and age. Reviewed on: 24th February 2021

Nightmare for balance transfer

So, you can't transfer from another card until you can log on, and you can't log on until you get an activatation code/card reader ( no sign after two weeks) and if, like me, you have no mobile signal, then you are stuffed. Of course you don't find this out until you have spent ages getting a telephone activation code (20 mins) and set a ridiculous number of passwords. Ok, so you can do a transfer over the phone. First call took 40 mins to be told that I couldn't do the transfer and that I had to call Sainsburys. Another 25 mins on hold, and after they stopped laughing, was told that HSBC had to initiate (well I knew that anyway didn't I?). So back we go to HSBC, and after 1 hour and 40 mins (yes really) the transfer is done. So to sum up, if you have nothing better to do than waste your time and you have a mobile signal and like nothing better than setting interminable passwords/security questions then HSBC is for you! Reviewed on: 12th October 2020

Money view

Quick easy access and friendly knowledgeable stsff Reviewed on: 2nd August 2020

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 Credit Card
from TSB 3.75 from 18 reviews
Credit Card
from Bank of China (UK) 5.00 from 2 reviews
Credit card
from M&S Bank - Marks and Spencer 2.74 from 187 reviews

Want to see more from HSBC?

Stocks and shares ISA
from HSBC 4.78 from 6 reviews
Home Insurance
from HSBC 4.46 from 7 reviews
Regular Saver
from HSBC 4.44 from 25 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