HSBC Commercial Card Review 

Unlock seamless business spending with the HSBC Commercial Card.

The HSBC Commercial Card is more than just a payment tool—it’s a strategic financial partner for your business. Designed to simplify expense management and enhance cash flow, this card offers a range of features tailored to meet the needs of modern businesses. Whether you’re managing day-to-day operations or planning for growth, the HSBC Commercial Card provides the flexibility and control you need to stay ahead.  

With competitive rates and a host of benefits, this card is ideal for businesses looking to streamline their finances. From managing purchases to handling cash advances, the HSBC Commercial Card ensures you’re always in control. Keep reading to discover how this card can transform the way you manage your business expenses.  

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HSBC Commercial Card: The Ultimate Financial Companion  

• Competitive Purchase Rates: Enjoy a low annual purchase rate of 15.9% p.a., making it easier to manage your business expenses without breaking the bank. This competitive rate ensures you can make essential purchases while keeping costs under control.  

• Flexible Credit Limit: With a credit limit of up to £1,200, you’ll have the financial flexibility to cover business needs, from office supplies to travel expenses. This ensures you’re always prepared for unexpected costs.  

• Representative 22% APR: The HSBC Commercial Card offers a transparent and competitive APR, giving you peace of mind when managing your finances. This representative rate ensures you know exactly what to expect.  

• Low Annual Fee: After the first year, the card comes with a modest annual fee of just £32 per card. This affordable fee structure makes it a cost-effective choice for businesses of all sizes.  

• Convenient Monthly Rates: Benefit from a manageable monthly rate of 1.238%, allowing you to plan your repayments with ease. This feature ensures you can maintain a healthy cash flow.  

• Cash Advance Facility: Access cash when you need it with a handling fee of just 2.99% (minimum £3). This feature provides added flexibility for urgent financial needs.  

• Enhanced Expense Management: Simplify your accounting with detailed monthly statements. The HSBC Commercial Card helps you track spending and manage budgets more effectively.  

• Exclusive Business Perks: Enjoy access to exclusive offers and discounts tailored for businesses. These perks can help you save money on essential services and products.  

• Trusted by HSBC: Backed by one of the UK’s leading financial institutions, the HSBC Commercial Card offers reliability and security you can count on.  

Who Can Apply for the HSBC Commercial Card?  

• Registered Businesses: The card is available to businesses registered in the UK, ensuring that your company meets the necessary legal requirements.  

• Sole Traders and Partnerships: Whether you’re a sole trader or part of a partnership, the Commercial Card is designed to meet your unique financial needs.  

• Limited Companies: Limited companies can also benefit from the card’s features, making it a versatile choice for businesses of all structures.  

• Businesses with a Good Credit History: Applicants with a strong credit history are more likely to be approved, ensuring responsible financial management.  

• UK-Based Businesses: The card is exclusively available to businesses operating within the UK, ensuring compliance with local regulations.  

• Businesses Seeking Financial Flexibility: If your business requires a flexible financial solution, the HSBC Commercial Card is an excellent choice.  

How to Apply for the HSBC Commercial Card  

• Check Eligibility: Ensure your business meets the eligibility criteria, including being registered in the UK and having a good credit history.  

• Gather Required Documents: Prepare necessary documents such as proof of business registration, financial statements, and identification.  

• Visit the HSBC Website: Navigate to the HSBC website and locate the Commercial Card application page.  

• Complete the Application Form: Fill out the online application form with accurate details about your business and financial situation.  

• Submit Your Application: Once completed, submit your application for review. HSBC will assess your eligibility and creditworthiness.  

• Await Approval: If approved, you’ll receive your HSBC Card, ready to use for your business expenses.  

Frequently Asked Questions  

What is the credit limit for the HSBC Card?  

The card offers a credit limit of up to £1,200, providing flexibility for your business needs.  

Can I use the card for cash advances?  

Yes, the card allows cash advances with a handling fee of 2.99% (minimum £3).  

Is there a monthly repayment option?  

Yes, the card features a monthly rate of 1.238%, making repayments manageable.  

What is the representative APR?  

The representative APR is 22%, ensuring transparency in your financial planning.  

CREDIT CARD

HSBC Commercial Card

Flexible Credit Limit Exclusive benefits

APPLY NOW You will be redirected