How to Apply for HSBC credit card application [Pre Qualify]

HSBC credit card services offer you a wide range of services and are distributed country-wise. The services might differ based on the country and can vary widely from one to the other country.

If you have a desire to take any of the HSBC credit cards, you can do so by matching their fees, rates, and rewards from the below article. To start with, here are a few fees and rewards you might want to have a look at.

Notable Credit Card FeaturesHSBC credit cards
Annual FeesNil
Purchase APR15.24% to 19.24%
Balance Transfer APRBalance Transfer APR
Cash Advance APR24.99%
Minimum credit limitBased on your creditworthiness
Foreign transaction feeNil

HSBC Credit card Pre-Qualify Process

For the HSBC credit card pre-qualification process, here is what you must do.

  1. Just when you begin the application process by clicking on the apply tab, you will reach the OTP verification process.
  2. Once you confirm your OTP, you will find your pre-approved offers based on your account eligibility.
  3. If you are approved for more than one credit card offer, compare all to find the best credit card for yourself.

How to Apply for HSBC credit card application?

To apply for an HSBC credit card application, you must use the following steps.

  • Press on the Apply Now tab of your country’s HSBC site.
  • After pressing it, you will be able to see all your pre-approved cards. If you know which credit card to go with, click on it and start filling in your details immediately.
  • You might need to add your personal, professional, and financial details along with your complete address and identification details.
  • Submit the form after you have added all the related information and once your form is complete, submit it.

What are the application requirements?

There are a variety of requirements you will need to fulfill as per your country’s laws and regulations and your state’s or county’s requirements.

Some mandatory requirements are;

  1. One must have government-approved identity cards.
  2. You must have a complete address.
  3. If your country observes credit scores requirements, you must fulfill your credit card requirements as and where needed.
  4. You must also have income as per the requirements of your HSBC.

Who is eligible?

Eligibility requirements vary too, from one country to another.

  1. You must be 18 years and above to apply for credit cards and this is a constant rule observed in almost all countries.
  2. The place where you stay must be your permanent address that has a street and other address details or else a simple PO box address might not help.
  3. You must hold a regular job to qualify for a credit card or be able to show an income as required by your HSBC bank branch.

Card Pros & Cons

HSBC credit card pros and cons will include the following;

Different rewards come free to those who own the HSBC credit cardsThey are specifically used for specific purposes and thus, might not be right for many. Choosing a credit card with caution is required.
Most of their credit cards are free of annual feeMost of them have high APRs and that could be a difficult one needs to deal with.
They also have foreign transaction freedom 
The credit cards report to credit bureaus and thus, is easy to build your credit. 

FAQ (Frequently Asked Questions)

Who owns HSBC credit card?

It is owned completely by the Hong Kong-based (The Hongkong and Shanghai Banking Corporation Limited).

Which HSBC credit card is best for you?

It depends on what you are searching for, like people looking for good rewards can go for the rewards credit card variety and others can go for other different card varieties depending on their needs.

Can you have 2 HSBC credit cards?

Yes, you can have two HSBC credit cards but of different types and functionalities.

Does HSBC credit card cover travel insurance?

Yes, some of the HSBC credit cards do cover travel insurance.


If you want to take an HSBC credit card, do read this information here for more insight into how the HSBC credit card application process works.


  • My name is Raj Singh. I am a Digital Marketer, Seo Consultant, and Entrepreneur. I have an experience of 7 years in the digital world and launched many digital products.

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