- 1%Points on spending
- 2%Points on non-sterling transactions
Focuses on long interest-free periods rather than a direct cash bonus.
Earn 1 point per £1 spent or 2 points per £1 on non-sterling transactions.
24.9% Variable APR
A key differentiator is the HSBC Purchase Plus Credit Card's integration into the HSBC Rewards program, allowing cardholders to earn points on their spending. While it offers substantial interest-free periods, the real value lies in the ability to redeem points for various rewards, making it a versatile option for frequent shoppers.
Pros:
- 0% interest on purchases for up to 20 months
- No annual fee
Cons:
- Limited direct rewards
- Points may expire
The HSBC Purchase Plus Credit Card may be particularly suitable for consumers who prioritize earning rewards on everyday purchases without incurring an annual fee. With its competitive reward rate and integration into the HSBC Rewards program, it is a practical choice for those who frequently shop and prefer to maximize their spending through rewards points.