HSBC Credit Card

A very simple concept, instead of having a multitude of different cards with different configurations why not bring all the offers onto a single card. This is what Halifax have done with the all-in-one credit card. Great introductory rates for both balance transfers and purchases.

Type: MASTERCARD
Online application and management

Introductory offers:

Balance Transfers: 0% p.a for 15 months
(2.9% fee)

Purchases: 0% for the first 3 months

Long term APR (Standard typical rate): Typical 16.9% APR (variable)

Cash Advances (withdrawals): 24.7% APR variable

Minimum Repayment: 2.5% or £5 (whichever is greater)

interest free period: Up to 56 days on Purchases if you pay your whole balance in full and on time.

Interest is charged from the date transactions are applied to your account until payment is received (unless the interest free period applies). For Cash Advances and Balance Transfers, any interest charge for the period from the previous statement to the date of full repayment will be debited the following month. Interest will not be charged on Default Charges.

Annual Fee: no

Cash Advances (the Cash Advance charge is applicable to cash withdrawals, purchases of foreign currency and travellers cheques, but does not apply to gambling transactions):
2.99% handling fee, minimum £3

Foreign Exchange:
2.99% Foreign Exchange Fee

Balance Transfers:
2.9% balance transfer fee (minimum £5)

Default charges :
Late payment £12
Exceeding credit limit £12
Returned payment £5

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Other Facts:

No annual fee to pay.

Free additional credit card for partners or family members over 18.

24-hour worldwide assistance and an emergency cash advance if your card is lost or stolen.

Up to 8% discount on Thomas Cook holidays booked through the HSBC Travel Club.

Up to 56 days' interest-free period available when you pay your whole credit card balance in full and on time.