Are you eligible?
Promotional rates are only available to first direct Current Account holders who haven't had a first direct Credit Card or Gold Card within the last six months. As you'd expect, credit is subject to status.
Read our Terms and Conditions (PDF) before you apply.
What happens at the end of the promotional period?
At the end of the promotional period the rate will change to the standard variable rate that applies at the time.
Once you've received your card, give us call any time, night or day on 03 456 100 100 - transfer requests received after 3.30pm or on a weekend or bank holiday will be processed the next working day, and it can take up to five working days for the money to reach your other credit or store card provider.
Sorry - we can't transfer balances between cards operated by members of the HSBC Group, including HSBC UK Bank plc, its subsidiaries, associated and affiliated companies. These include Marks & Spencer Financial Services plc and John Lewis Financial Services Limited.
*Credit Card – The rate for balance transfers is 0% interest for 27 months when you make a balance transfer within three months of opening your account. After 27 months the rate for the transferred balance will change to the standard variable rate that applies at the time.
*Gold Card - The rate for purchases is 0% interest for 17 months from opening your account. At the end of the promotional period the rate on the outstanding balance will change to the standard variable rate that applies at the time.