4 Highlights of the HBSC Purchase Plus Credit Card


Thinking about getting a credit card for financial back-up but worried it’s going to end up costing you a ton of money in fees and interest? The truth of the matter is, there are all sorts of credit cards on the market with big promises that only deliver a whole lot of stress.

So, allow us to introduce to you the HBSC Purchase Plus credit card. With this credit card, you are guaranteed zero annual fees, zero interest on purchases for 18 months, and exclusive incentives.  You do not have to worry about instantly accumulating debt when you take advantage of the offers.


Interested to learn more? Keep reading to find out more about the HBSC Purchase Plus Credit Card and how to apply today. In this guide, we will tell you everything you need to know.

How to get a HBSC Purchase Plus Credit Card

HSBC Purchase Plus Credit Card Highlights

1. You can earn cashback rewards

The HSBC Purchase Plus credit card offers supreme cashback packages. You earn cashback from your favourite shopping brands with Visa offers. You are also eligible to get instant discounts from well-known shopping brands across the world with their home&away rewards program.


2. There is no annual fee

With the Purchase Plus credit card, you do not have to worry about paying extra fees every year. This card has no annual fee so you can save your money for more important things. This is a great deal as often times annual fees can be £95 or much greater.

3. You’ll earn 0% interest for the first 18 months

If you have large purchases coming up and are worried about how you are going to pay for them, the Purchase Plus credit card may be a great solution. This card will not only provide you with a line of credit to initially cover the costs, but also will not charge you any interest for the first 18 months that your account is open.

However, it is essential to note that after the 18 month period, the interest rate is 22.9% (variable), which is higher than some other cards. To avoid paying large amounts of interest, your balance should be paid off before the initial 18 months is over.

4. Convenient ways to pay

To make your purchases even more convenient, the HSBC Purchase Plus credit card offers contactless transactions where you can add your card to Google Pay, Samsung Pay, and Apple Pay. You can also add another family member on your card, as long as they are 18 years and above.

Interested in Applying for the Purchase Plus Credit Card?

If you are eligible, it is fairly straightforward to apply for the HSBC Purchase Plus credit card. You must be 18 years of age, a citizen of the UK, and you must also have an annual income or pension of £8,500+ before tax. It is also a requirement that you have a HBSC Basic Bank Account.

If you tick all of these boxes, you can simply apply for this credit card online via the HBSC website. Note that you will need to register for online banking and be able to upload all the required supporting documents, such as ID, proof of address and proof of income.

If successful, the bank will determine your credit limit based on your credit rating and income. The minimum credit limit is £500 but it can be raised over time with responsible card use.

Associated Fees and Charges

  • 0% introductory APR on balance transfers for 18 months from the transfer date
  • 0% introductory APR on purchases for 18 months
  • £0 annual fee
  • 3% foreign transaction fee
  • £12 late payment
  • £12 over limit fee


Don’t be cheated by credit cards that seem too good to be true, only to end up causing you stress. If you are interested in applying for the HSBC Purchase Plus Credit Card, you can enjoy low fees plus all the exclusive benefits that come with it. If you are interested in another card from HSBC, check out their other great offers.

Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions document for more information.