Second Credit Cards

HSBC UK
Credit cards
Second cards

How many credit cards can I have?

You can have a maximum of 2 HSBC UK credit cards.

If you already hold an HSBC UK credit card, you can apply for a second one with us. You must not have opened a new HSBC credit card or received a credit limit increase within the past 6 months. And you can't apply for a credit card that you already hold.

Note: you can't transfer your balance between HSBC, First Direct or M&S Bank cards.

Make new purchases

Your new card will have its own credit limit, so you'll be able to use it independently of your first one.

Keep track of separate expenses

Prefer to keep your household spending separate from your personal spending, for example? A second card could help you keep everything tidy.

Take advantage of reward points

Interested in getting more from your card? If your existing card isn't a rewards card, find out what they can offer.

Transfer balances from other cards

If your existing HSBC card isn't designed to receive a balance from a card you have with another provider, check our balance transfer card to see if it suits your needs.

Purchase Plus Credit Card

Discover the all-rounder that has up to 20 months of interest-free purchases and up to 17 months of interest-free balance transfers (3.49% fee, minimum £5).

Available for existing Rewards, Premier and Premier World Elite credit card holders only.

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

Find out more and apply for Purchase Plus Credit Card

Balance Transfer Credit Card

Enjoy up to 30 months interest-free for balance transfers (3.49% fee, min £5).

Available for existing Rewards, Premier and Premier World Elite credit card holders only.

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

Find out more and apply for Balance Transfer Credit Card

Rewards Credit Card

Earn reward points on eligible purchases you make.

Available for existing Balance Transfer, Purchase Plus, Classic, Premier and Premier World Elite credit card holders only.

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

Find out more and apply for Rewards Credit Card

Premier Credit Card

Get travel benefits, rewards and HSBC Premier Privileges - just for HSBC Premier customers.

Available for existing Balance Transfer, Purchase Plus, Classic and Rewards credit card holders who meet the eligibility criteria for Premier. Also available for Premier World Elite credit card holders.

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

Find out more and apply for Premier Credit Card

Premier World Elite Mastercard

Unlock a world of travel freedom.

Available for existing Balance Transfer, Purchase Plus, Classic and Rewards credit card holders who meet the eligibility criteria for Premier. Also available for Premier credit card holders.

Eligibility criteria apply. Credit is subject to status.

Representative example

Purchase rate: 29.9% p.a. (variable)

Representative: 100.2% APR (variable)

Based on an assumed credit limit of £1,200

Annual fee: £290

Find out more and apply for Premier World Elite Mastercard

Frequently asked questions

You'll need to manage each card separately and make a separate monthly payment for each. Setting up a Direct Debit for each card makes it easier to manage credit card payments without missing a payment and getting charged.

No. You can't transfer balances between two HSBC credit cards, including First Direct or M&S Bank. You can only transfer balances from cards you have with an external provider.

Getting a second card can be both good and bad for your credit score. It all depends on how you manage your cards.

If you keep your balance low and pay your bills on time it will be good. But if you apply for a number of cards and have high balances, go over your credit limit or miss payments it will be bad.

There are a number of other things to think about:

Applying for a second card will be noted on your file at the Credit Reference Agencies. If it's approved, the amount of credit available to you will increase, but it may limit further credit application approvals in the future.

If your application is declined, it could adversely affect your credit score.

Consider if it's the best borrowing option for you and if you’ll be able to make repayments. You could make changes to your existing credit card instead, rather than getting a second credit card.

There are a number of benefits of having a second credit card:

Flexibility to make planned purchases or cover unexpected costs
Greater control over your money by keeping different types of spending separate
Transfer balances from other credit card providers to benefit from a lower interest rate
Take advantage of reward schemes and offers
Spread your credit balance across 2 cards to get a lower interest rate over a longer time

Credit card comparison tool

Take a look at our range of credit cards, consider their benefits and find the one that will suit you best.

Eligibility checking tool

See which cards you’re likely to be accepted for, and your estimated credit limit, without it affecting your credit score.

Get the most from your credit card

Manage all your card needs online or via the app.

Credit card interest rates and fees

Get clear and up-to-date information on how much you'll have to pay in interest and fees.

How many credit cards should you have?

There's no magic number, but see what the considerations are before taking out another credit card.

Additional information

Balances can’t be transferred from all cards. For example, cards issued by members of the HSBC Group, including HSBC UK, first direct and M&S Bank, are excluded.

The rate and promotional period we offer will depend on our assessment of your circumstances. At the end of any promotional period, balance transfers and purchases will revert to the standard variable rate.

You must not have opened a new HSBC credit card or received a credit limit increase within the past 6 months, and you must not be applying for a credit card that you already hold.

How many credit cards can I have?

Flexibility to help meet your needs

Make new purchases

Keep track of separate expenses

Take advantage of reward points

Transfer balances from other cards

Frequently asked questions

Will I be able to make one monthly payment for both cards, or do I have to keep them separate?

Can I transfer a balance between my HSBC credit cards?

Can getting a second credit card help my credit score?

Why would I want a second credit card?

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