HSBC Credit Card Offer Overview

The HSBC Credit Card stands out with a special double reward offer available from 12th to 18th January 2026. New applicants can receive £20 in rewards upon account approval and a qualifying purchase. The card offers a competitive representative APR of 24.9% (variable), with eligibility for interest-free periods on certain promotions. Credit limits are tailored to your individual financial circumstances, and most users are pre-approved for confidence in application.

Applicants must be UK residents and over 18 years old. The card’s application process includes a soft credit check, meaning your credit score won’t be impacted if you just want to check eligibility. If you decide to proceed, the standard hard check will apply to finalise approval and your credit limit.

Rewards are also enhanced for those signing up during this promotional period, especially via selected brokers. Eligibility and full details will be shared during the application process, with all rates and benefits subject to terms and provider criteria.

How to Apply for the HSBC Credit Card

Applying for the HSBC Credit Card follows a structured process. First, start with the eligibility checker, which uses a soft search to determine your likelihood of approval. This initial step helps you avoid affecting your credit score negatively. Next, provide personal and financial information, including employment and income details. Once HSBC reviews your application, you’ll receive your approval decision quickly. If successful, your credit limit and full account details will follow by post. Finally, complete a qualifying purchase to unlock the double reward offer.

Key Pros of the HSBC Credit Card

The highlight of this offer is the £20 double reward, available exclusively during the limited time window. Additionally, a soft search eligibility check means applicants can confidently check their chances without risking their credit score. The card’s competitive APR and flexible credit limits cater to a wide range of financial backgrounds, making it accessible to most UK residents. Plus, HSBC’s reputation for fair customer service adds peace of mind for new customers.

Main Cons of the HSBC Credit Card

While the double reward is attractive, it’s only available between 12th and 18th January 2026, so timing is crucial. Some applicants may receive different APRs and credit limits based on their individual circumstances. As with many credit cards, failing to pay off the full balance each month could result in high interest costs. Also, the double reward promotion is only valid via selected brokers and subject to terms and conditions.

Verdict: Should You Apply for the HSBC Credit Card?

The HSBC Credit Card, with its promotional double reward, soft eligibility check, and fair interest rate, is a compelling choice, especially if you apply within the offer period. Flexible credit limits and national brand security round off a strong package. However, consider the timing and your repayment plans to maximise benefits and avoid unnecessary costs. In summary, HSBC’s card stands out as a genuine all-rounder for those seeking rewards and flexibility.