HSBC Student credit card review

1 min Read Published: 18 Apr 2024

HSBC Classic Credit CardThe HSBC Student credit card is open to those with a confirmed place to study in the UK, as well as an existing HSBC student bank account. It offers a reasonable credit limit and access to some additional offers and benefits.

Key facts about the HSBC Student credit card

  • Best for: Students looking for a straightforward card that minimises the potential to mismanage it.
  • Introductory offer: No introductory offers.
  • Representative APR: 18.9% variable.
  • Fees: No annual fee.
  • Perks: Cardholders can take advantage of the discounts and offers in the HSBC home&Away rewards scheme.

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Pros of the HSBC Student credit card

  • The card combines a relatively low APR with a sensible credit limit to help foster good habits for first-time credit users.
  • Purchases are interest-free for 56 days if you pay the balance off in full on time each month.
  • No annual fee.

Cons of the HSBC Student credit card

  • Only available to those with an HSBC Student bank account.
  • Minimum credit limit of £250, although it could be up to £500, subject to status.
  • Non-sterling transaction fee of 2.99% when you use the card abroad.

How to manage your payments on the HSBC Student credit card

Cardholders can manage their accounts online or on the HSBC mobile app.

How to find out which credit card is best for you

You can use Money to the Masses partner Creditec* to quickly build a list of the credit cards that match up with your needs. By simply adding in a few basic details, you will get a tailored collection of the best credit cards for you. You can use your Creditec results to check how likely you are to be accepted for a certain card, which cards available to you offer the best rewards or find out what option will leave you with the lowest fees to pay. Creditec is able to check your eligibility without running a full credit check, which means your credit score will not be affected. Click this link to start your comparison*.

How to apply for the HSBC Student credit card

In order to apply for the HSBC Student card, you need to have an HSBC Student account, and register and apply through online banking.

Alternatives to the HSBC Student credit card



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