
The HSBC Balance Transfer Credit Card is designed for anyone feeling weighed down by high-interest credit card debt. If you’re juggling multiple payments or seeing your balance grow faster than you can manage, you’re not alone—and this card offers a way out. With a clear focus on helping you regain control, it gives you the breathing room you need to reduce what you owe, one payment at a time.
This card gives you a generous interest-free period on balance transfers, with no annual fee and a smooth application process. It’s a simple, friendly option to help you clear your debt faster without the usual stress. Whether you’ve got one card or three, HSBC makes it easier to get on top of your finances and make real progress.
12 Benefits That Make Life Easier
- Up to 33 Months of 0% Interest on Balance Transfers
Transfer your existing credit card debt to HSBC and enjoy up to a year and a half with no interest. That means more of your payment goes toward reducing the actual balance—not the interest. - 0% on Purchases for the First 3 Months
Need to cover some new costs while paying off your old ones? This card gives you a 3-month interest-free period on purchases too. - No Annual Fee
Why pay to carry a card? The HSBC Balance Transfer Card has no yearly fee, so you can keep it for the long haul without worrying about ongoing costs. - Easy to Apply Online
The online application is quick and simple, and you can use the eligibility checker before applying to see your chances—without affecting your credit score. - Manage It All from Your Phone
Use HSBC’s mobile app to track payments, check your balance, and stay in control—anytime, anywhere. - Add a Second Cardholder for Free
Want to share your account with a partner or trusted family member? You can add a second cardholder at no extra cost. - Contactless and Digital Wallet Ready
Your HSBC card is fully contactless and compatible with Apple Pay, Google Pay, and Samsung Pay. - Trusted by Millions Worldwide
As part of the Mastercard network, you can use your card at millions of places around the world—online and in-store. - Strong Fraud Protection
HSBC offers 24/7 fraud detection, alerts, and support to keep your account safe. - Helpful Payment Tools
Set up direct debits, reminders, or payment plans that work for you, so you never miss a due date. - Low One-Off Balance Transfer Fee
When you move your balance to HSBC, there’s a single, clearly stated fee—usually a small percentage of the transferred amount. No surprises. - Start Reducing Your Debt Now
With no interest for months, you can chip away at your balance faster than ever before.
Who Can Apply?

You can apply if you:
- Are 18 or older
- Live in the UK
- Have a regular income
- Have not declared bankruptcy in recent years
- Don’t already have an HSBC credit card
How to Apply
- Visit the HSBC UK Balance Transfer Card page
- Use the eligibility checker (no impact on your credit score)
- Complete your online application
- If approved, receive your card by post
- Transfer your balance within 60 days
Frequently Asked Questions
- Will I get charged interest if I don’t pay off the full balance after the intro period?
Yes. Standard interest rates will apply to any remaining balance. - Is the mobile app easy to use?
Yes. It’s rated highly and gives you full control over your account. - Can I cancel the card after I pay off my balance?
Yes. Just make sure the account is fully paid before closing. - Is this card good for rebuilding credit?
Yes, if used responsibly, it can help improve your credit over time.