What is a purchase credit card?
Our purchase credit cards are designed to help you spread out your costs. Buy now and pay back gradually over time.
How a purchase credit card can help you
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Buy what you need now
Use a purchase credit card today, then pay off what you owe - without paying interest on it.
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Spread your costs over time
Buy the things you need now and pay off the amount you owe gradually over time.
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Purchase protection
As with all credit cards, section 75 of the Consumer Credit Act protects purchases of £100 to £30,000 if the supplier breaches a contract, or misrepresents goods.
Explore our purchase credit cards
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Purchase Plus Credit Card
Discover the all-rounder that has up to 18 months of interest-free purchases and up to 16 months of interest-free balance transfers (3.49% fee, minimum £5).
Eligibility criteria apply. Credit is subject to status.
Representative example
Purchase rate: 24.9% p.a. (variable)
Representative: 24.9% APR (variable)
Based on an assumed credit limit of £1,200
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Rewards Credit Card
Earn reward points on eligible purchases you make.
Eligibility criteria apply. Credit is subject to status.
Representative example
Purchase rate: 23.9% p.a. (variable)
Representative: 23.9% APR (variable)
Based on an assumed credit limit of £1,200
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Premier Credit Card
Get travel benefits and reward points - plus 9 months interest free on purchases and 18 months interest free on balance transfers (2.99% fee, min £5). Just for HSBC Premier customers.
Eligibility criteria apply. Credit is subject to status.
Representative example
Purchase rate: 23.9% p.a. (variable)
Representative: 23.9% APR (variable)
Based on an assumed credit limit of £1,200
Need help choosing a credit card?
Discover our range of credit cards and find the one most suitable for you.
Not the right type of card?
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Balance transfer credit cards
Give yourself some breathing room with our balance transfer options.
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Rewards credit cards
Discover our range of rewards cards.
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Credit-builder credit cards
Help build your credit score when you spend and make on-time repayments.
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View all cards
From transferring a balance, earning rewards or building your credit score, there's a card for every need.