Our Credit Card in detail
Here are the things you need to know before you can decide if our Credit Card is right for you.
Stop paying interest on other credit card balances - transfer them over to us. You won't pay a penny in interest for the next 27 months* (2.29% fee, min £5), which could help you clear your commitments faster.
|Example credit limit||Representative APR||Purchase rate|
|Example credit limit
Once you've received your card, log on to Online Banking and select 'Service request' and choose 'Balance transfer' from the left hand menu. Or call us 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.
*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.
A Balance Transfer fee of 2.29% (min £5) will be charged for each transferred balance made within three months of opening your account. After three months, this fee will be at the full rate.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.
Log on to Online Banking, select 'Apply' and choose 'Credit cards'.
If you would prefer to speak to us, please call us on:
This product is only available to first direct Current Account customers (you're more than welcome to join us...)
Please also read the following information before you apply:
If you know there are changes to your personal circumstances coming up - like maternity leave, a change in disposable income or a new job - or you are on a temporary or zero hours contract, please apply by telephone on 03 456 100 100.
This promotion is only available to first direct Current Account holders who haven't had a first direct Credit Card within the last six months. As you'd expect, credit is subject to status.