HSBC Credit Card Reviews

Which is the best HSBC credit card?

By: John Kiernan, Credit Card Editor

Finding the right HSBC credit card for your needs should be pretty simple. If you want rewards, your choice between Premier and the Platinum Rewards Card will likely come down to whether you plan on spending enough to justify paying an annual fee.

For your convenience, here’s a quick overview of how the two HSBC credit cards compare:

2017’s HSBC Credit Card Offers

Best HSBC Credit Card For…	Card Name	Annual Fee	Min. Credit Required
Travel Rewards	HSBC Premier World Mastercard	$0 - $95	Excellent
Cash Bonus	HSBC Platinum Mastercard with Rewards	$0	Good

You can get a feel for how good each card’s terms are by checking out WalletHub’s latest Credit Card Landscape Report. It includes market averages for rewards, interest rates, fees and more. And to see if HSBC’s credit cards are among the market’s elite, check out WalletHub’s picks for the best rewards cards and best credit card rates.

Community Discussion

Comparing HSBC Credit Cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. Other consumers have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered.

Carrie Ann @carriea_2

August 6, 2015

I obtained a HSBC credit card about eight years ago. At the time, I was newly divorced and my credit was quite blemished. HSBC accepted me with about a 18% rate. I really only wanted the card to help me fix my credit which it is helping me to do. About two years ago they approved me for a different HSBC card with a lower rate due to my credit improving and my timely payments with them.

Daniel Tanase @danielt_15

July 14, 2015

I have had a HSBC credit card with Best Buy for over 5 years. Over the years, the rate has stayed the same 17% APR, but with every purchase, especially larger ones I qualify for no interest for at least 6 months, sometimes up to 12 depending on how large the purchase is. My experience has been very positive so far. Every time I need to purchase something large, I use it because if I can pay it off soon, there will be no interest accumulated.

Uzma Murrafaq @johnc1

June 2, 2015

The HSBC Platinum Card is very useful for my line of work. I am glad I have it. It makes transactions so much easier and more convenient and since I pay off all my credit debts, I never get into problems and I'm an excellent customer of the HSBC. Thankfully I have them to rely on.

Vanna Black @vanna.black.58

October 2, 2014

I have the HSBC Platinum Credit Card. I really don’t think it’s anything that special so I don’t use it that often. I wish they had better reward promos like more cash back or something to that effect.

Dale Peters @dalep4

August 19, 2014

Fees

@WalletHub

August 27, 2014

If you click on the name of each card, you will be directed to their respective profile pages. There you can see all the fees and other relevant information.

Regina Fallon @regina_fallon_1

March 15, 2014

I had the HSBC Platinum Credit Card about 5 years ago. I remember that at the time, I had 2 5k credit cards and this one. It was the one I used the least. It's not a rewards card and at that time, there was not an introductory intro rate or anything. I ended up closing it out. It looks like they have become more competitive with the rate they are offering now for 15 months. Normally cards only offer a year. I would give it another try.

Mark Willis @mark.willis.37017794

February 1, 2014

I signed up for the HSBC Platinum card (along with a checking account) when I first moved to Buffalo several years ago. I had just average credit, so I was not too picky when it came to a credit card; I just hoped for the best. The "No annual fee" is nice, though the interest rate is relatively high. I have no complaints with the card's terms and conditions or customer service, though I rarely use the card anymore. My primary card is the Capital One QuickSilver, as it offers the rewards that the HSBC Platinum does not. Overall, a decent card that will increase your credit line regularly through on-time payments.

James LeGrand @zedetco

January 17, 2014

I would have to agree with the other review here. My HSBC Platinum Credit Card has served me extremely well over the years. I just recently switched to a different card. But to anyone who needs a new card or an upgrade this would be the way to go. Easy and flexible is my motto.

Marci Bushnell @mmbushnell

January 10, 2014

I used the HSBC Platinum Credit Card for a few years. I applied for it when I started college to help me when I was short on cash. I have switched to a different card that offers rewards now. But to anyone looking for a card with no annual fee that is simple and straight forward. This would be the card for you.

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