HSBC Classic Credit Card review: fees, rewards, APR and perks - DebitCue Skip to content
DebitCue

Select your country to see available cards

Card eligibility and availability depend on your country of residence. Setting it now lets us hide cards that are not offered in your country.

HSBC UK Credit card
HSBC Classic Credit Card
No rewards
VISA
Apply for HSBC Classic Credit Card

On HSBC UK's secure site

Compare similar cards
Credit card HSBC UK Visa

Card review

HSBC Classic Credit Card

4.2 4.2 out of 5 8.4/10 DebitCue Score Verified

Build or improve your credit rating with HSBC

Fee
No fee
Purchase APR
from 29.9%
Interest-free
-
Foreign fee
2.99%

Our verdict

What stands out, and where it falls short.

What we like

  • No card fee

Worth weighing

  • 2.99% foreign transaction fee
  • No rewards programme
  • High interest if you carry a balance

Who It Is For

Whether the HSBC Classic Credit Card fits how you actually spend.

Pick it if you are

  • Anyone who wants a low-cost everyday card

Skip it if you are

  • Frequent international travelers
  • Rewards-chasers

Rates and fees

As of

All amounts shown in GBP.

Card fee
No fee
Purchase APR
from 29.9%
Interest-free period
-
Foreign transaction fee
2.99%
Representative APR
29.9% variable
Non-sterling transaction fee
2.99%

Rewards and features

Pay with
Apple Pay, Google Pay, Contactless
Credit limit
Up to £1,000

Benefits and perks

Extras that come bundled with the card.

  • Credit-building card with automatic limit review
  • Section 75 Consumer Credit Act protection (£100–£30,000)

Eligibility

What you need before you apply.

Minimum annual income
£6,800
Account requirement
Must hold an active HSBC current account (excluding Basic Bank Account)

HSBC Classic Credit Card: your questions answered

Does the HSBC Classic Credit Card have a card fee?
No - the HSBC Classic Credit Card has no card fee.
Does the HSBC Classic Credit Card charge foreign transaction fees?
Yes - the HSBC Classic Credit Card charges a 2.99% foreign transaction fee.
What is the interest rate on the HSBC Classic Credit Card?
The HSBC Classic Credit Card has a purchase APR of from 29.9%.
Is the HSBC Classic Credit Card a credit, debit or prepaid card?
The HSBC Classic Credit Card is a credit card issued by HSBC UK on the Visa network.
Does the HSBC Classic Credit Card support Apple Pay and Google Pay?
Yes - the HSBC Classic Credit Card works with both Apple Pay and Google Pay.
Where can I get the HSBC Classic Credit Card?
The HSBC Classic Credit Card is currently offered in United Kingdom.
How does DebitCue rate the HSBC Classic Credit Card?
DebitCue rates the HSBC Classic Credit Card 4.2 out of 5 (8.4/10), scored on the same factors as every card - fees, rewards, perks and ease of use.
How do I apply for the HSBC Classic Credit Card?
Use the Apply now button to continue on HSBC UK's secure site. Comparing and applying through DebitCue is free.

Before you decide

Alternatives to the HSBC Classic Credit Card

Browse all cards