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	Key Features	Representative Example
For balance transfers Credit Card Learn more Apply	representative 18.9% APR variable 0% interest for 27 months on balance transfers made within 90 days of account opening 2.29% balance transfer fee (minimum £5) applies to balances transferred in 90 days no annual fee	Representative example Based on an assumed credit limit of: £1,200, our 18.9% p.a. variable purchase rate gives a representative rate of 18.9% APR variable. Learn more Apply
For purchases Gold Card Learn more Apply	representative rate of 16.9% APR variable 0% interest on purchases for 17 months from account opening* no annual fee	Representative example Based on an assumed credit limit of: £1,200, our 16.9% p.a. variable purchase rate gives a representative rate of 16.9% APR variable. Learn more Apply

Key Features

Representative Example

For balance transfers

Credit Card

Learn more Apply

representative 18.9% APR variable
0% interest for 27 months on balance transfers made within 90 days of account opening
2.29% balance transfer fee (minimum £5) applies to balances transferred in 90 days
no annual fee

Representative example

Based on an assumed credit limit of:

£1,200, our 18.9% p.a. variable purchase rate gives a representative rate of 18.9% APR variable.

Learn more

Apply

For purchases

Gold Card

Learn more Apply

representative rate of 16.9% APR variable
0% interest on purchases for 17 months from account opening*
no annual fee

Representative example

Based on an assumed credit limit of:

£1,200, our 16.9% p.a. variable purchase rate gives a representative rate of 16.9% APR variable.

Learn more

Apply

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.

Balance transfers

Once you've received your card you can contact us through our App - go to 'Help' and select 'Chat now'. Or in Online Banking, select 'Message us'. Start your message with ‘I want to complete a Balance Transfer’ and we’ll be able to help you with your request. Transfer requests received after 3.30pm or on a weekend or bank holiday will be processed the next working day. 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. We can't process transfers from all cards, for example, some store cards.

*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.

Who can apply?

All we ask is that you can say yes to everything below:

You’re 18 or over
You are a UK resident and live permanently in the UK
You have an annual income/pension before tax of £6,800 or more
You haven’t been declared bankrupt or registered for an Individual Voluntary Agreement in the last 6 years (or in the process of doing so.)