A smarter way to consolidate high-interest debt

A balance transfer is a convenient way to move outstanding balances from other higher-interest credit cards or loans to your HSBC Credit Card. 

Now’s the time to take control of your finances.

Save money on higher-interest balances

Pay down balances faster

Streamline payments

Consolidate debt

What you need to know1

All Balance Transfers:

  • It may take at least 7-10 business days for your Balance Transfer to be processed.
  • The transfer amount cannot exceed the available credit limit on your HSBC Credit Card, including fees.
  • You’re responsible for paying the other lenders until your transfer is complete.
  • Balance Transfer fees will apply.

Introductory Balance Transfer offers:

An introductory Balance Transfer is a special offer you may receive at account opening.

  • You will have 60 days from account opening to take advantage of your introductory Balance Transfer offer.
  • Refer to the introductory terms included in your welcome kit for more information. 

Promotional Balance Transfer offers:

A promotional Balance Transfer is an offer you may receive for your existing HSBC Credit Card.

  • Promotional terms will expire at the end of the promotional period.
  • Refer to the terms of your promotional offer for more information.

Three ways to transfer a balance to your HSBC Credit Card

When you’re ready to complete a balance transfer, make sure you have the bank/issuer name, bank/issuer account number and bank/issuer address.

Credit card checks

If you have checks for your HSBC Credit Card, you can use them to issue payment to the bank/issuer.


To request a Balance Transfer by phone, call the number on the back of your card.

What's next?

When you submit a balance transfer request, allow at least 7-10 business days for it to be processed.

Continue to pay your other lenders until you confirm your balance transfer has been completed. 

You can set up alerts and recurring payments to easily manage your HSBC Credit Card balance.

Frequently asked questions

Refer to the Balance Transfer terms for your account or the terms of your Balance Transfer offer, if applicable.

Mobile data charges may apply. To register your HSBC Credit Card for alerts for the first time, or to edit your current alert settings, simply Log On to HSBC Personal Internet Banking. Then, click on your HSBC Credit Card Account, click view details and select "Alerts". If you hold more than one credit card Account with HSBC, be sure to register each of your Accounts separately. The information returned is based on the most recent activity posted to your account.

If you use EZ-Pay to automatically pay your bill each month, you will have to option to pay your minimum payment due, a fixed amount or your last statement balance due which will pay your statement balance, including any promotional balance.