MINIMUM SALARY
AED 5,000
RATE
3.69%
ANNUAL FEE
AED 314
MINIMUM SALARY
AED 5,000
RATE
3.69%
ANNUAL FEE
AED 314
Non AED Transaction Fee
2.10%
Cash Advance Fee
3.15 % / Min AED105
Joining Offers
Get up to AED 800 cashback. Enjoy AED 600 when you apply for selected credit cards, plus AED 100 the first time you use your card in your mobile wallet, and AED 100 when you apply for your first supplementary card and use it for one transaction.
The campaign is open to all new and existing HSBC customers who apply and receive approval for a new primary credit card and who do not have a primary credit card at the time of application and had not had one during the 6 months prior to applying.
Key Features
Reward Features
Earn Cashback on ALL spends:
There is a minimum spend of AED 3000 in a month which needs to be met to avail the cashback on fuel, supermarket and education categories. Incase the spend is not met one will earn 0.5% cashback on the transactions.
on HSBC site
MINIMUM SALARY
AED 10,000
RATE
3.69
ANNUAL FEE
AED 630
MINIMUM SALARY
AED 10,000
RATE
3.69
ANNUAL FEE
AED 630
Non AED Transaction Fee
2.10%
Cash Advance Fee
3.15 % / AED 105
Joining Offers
Enjoy AED 600 when you apply for selected credit cards, plus AED 100 the first time you use your card in your mobile wallet, and AED 100 when you apply for your first supplementary card and use it for one transaction.
Key Features
Reward Features
on HSBC site
MINIMUM SALARY
AED 30,000
RATE
3.69
ANNUAL FEE
AED 1050
MINIMUM SALARY
AED 30,000
RATE
3.69
ANNUAL FEE
AED 1,050
Non AED Transaction Fee
2.10%
Cash Advance Fee
3.15 % / or AED 105
Joining Offers
Get up to AED 800 cashback
Enjoy AED 600 when you apply for selected credit cards, plus AED 100 the first time you use your card in your mobile wallet, and AED 100 when you apply for your first supplementary card and use it for one transaction. The campaign is open to all new and existing HSBC customers who apply and receive approval for a new primary credit card and who do not have a primary credit card at the time of application and had not had one during the 6 months prior to applying.
Eligibility criteria and Terms and conditions apply. Offer valid from 1 May to 31st December 2024 inclusive.
Key Features
Reward Features
on HSBC site
HSBC is a renowned global banking institution with a strong presence in the UAE, offering a wide range of financial services. Among its portfolio, HSBC credit cards have emerged as a popular choice for residents in the UAE, thanks to their tailored features, rewards programs, and competitive fees.
For UAE residents, whether locals or expatriates, HSBC credit cards provide a convenient way to manage finances, access global services, and earn rewards on daily expenses. With several options available, HSBC has crafted credit card offerings that cater to diverse financial needs, from cashback incentives to premium travel perks.
In this guide, we’ll take a closer look at the various HSBC credit cards available in the UAE, break down their key features, and help you understand which card may suit your lifestyle the best. From the exclusive benefits of the HSBC Black Credit Card to the rewarding cashback from the HSBC Visa Cashback Credit Card, there’s something for everyone. Additionally, with exclusive offers like 15% off on Amazon UAE, HSBC cardholders can enjoy more value on every purchase.
HSBC offers a variety of credit cards in the UAE, each designed to meet different financial needs and lifestyles. Here’s a quick overview of the main cards available:
HSBC Black Credit Card : This premium card is designed for high-net-worth individuals, offering exclusive global benefits, concierge services, travel perks, and more.
HSBC Visa Cashback Credit Card : A card focused on delivering cashback rewards on daily spending such as groceries, dining, and fuel.
HSBC Visa Platinum Zero Credit Card : Ideal for customers seeking financial flexibility, this card offers 0% interest on purchases for a set period, making it suitable for large purchases or balance transfers.
HSBC Max Rewards Credit Card : Perfect for those who enjoy earning reward points on every purchase, which can later be redeemed for a variety of goods and services.
HSBC Premier Credit Card : Exclusively for HSBC Premier account holders, this card offers unparalleled access to premium services, travel benefits, and global assistance.
HSBC Advance Credit Card : Geared toward professionals, this card offers a mix of cashback, rewards, and flexible payment options to suit evolving financial needs.
The HSBC Black Credit Card is the epitome of luxury. It’s designed for customers who seek a premium lifestyle with high-end privileges and rewards. Cardholders gain access to exclusive global offers, luxury travel perks such as unlimited airport lounge access, and a dedicated concierge service. Additionally, they enjoy comprehensive travel insurance, fraud protection, and complimentary valet services at selected locations in the UAE.
Eligibility for this card requires a monthly income of AED 35,000 or being an HSBC Premier customer, and it comes with an annual fee of AED 1,575 (inclusive of VAT). However, the benefits, particularly for frequent travelers and luxury seekers, far outweigh the cost. From fine dining experiences to premium hotel bookings, the HSBC Black Credit Card ensures that cardholders experience the best-in-class service across the globe.
The HSBC Visa Cashback Credit Card is designed for savvy spenders who love getting value back on their everyday purchases. With this card, customers can earn cashback on a variety of spending categories, including groceries, dining, and fuel. The cashback rates are competitive, offering up to 5% cashback on selected categories, with no upper limit on the amount of cashback that can be earned annually.
This card offers no annual fee in the first year, and an AED 313.95 fee (inclusive of VAT) starting from the second year. However, the annual fee is waived from the second year onward with an annual spend of AED 12,000, making it an excellent option for those looking to maximize savings without hidden costs. Cashback is automatically credited to the cardholder’s account, ensuring easy access to rewards. To be eligible for this credit card, applicants must have a minimum monthly income of AED 5,000.
The HSBC Visa Platinum Zero Credit Card is a great option for customers who need financial flexibility. With 0% interest on purchases for up to 12 months, this card is perfect for those planning large purchases or needing to manage cash flow more effectively. It also offers balance transfer options at no interest, providing an excellent opportunity for customers to consolidate debt.
Apart from the 0% interest offer, the card includes complimentary travel insurance and purchase protection, making it a strong contender for customers who prioritize financial security. It also has no annual fee, making it an accessible option for a broad range of customers. To be eligible for this credit card, applicants must have a minimum monthly income of AED 5,000.
The HSBC Max Rewards Credit Card is a popular choice for customers who enjoy earning rewards on their everyday spending. Every purchase with this card earns reward points, which can be redeemed for various benefits such as air miles, hotel stays, shopping vouchers, and more. Whether you’re shopping online or dining out, you can maximize your rewards through HSBC’s vast rewards network.
Cardholders also enjoy exclusive perks, including 8 Fitness First visits per month for just AED 1 each when spending over AED 6,000 monthly. You can also take advantage of "Buy 1, Get 1 Free" movie tickets every month, plus up to 25% off food and drinks at cinemas across the UAE. To enjoy the complimentary tickets in Buy 1 Get 1 offer, just spend over AED 6,000 a month on your Max Rewards Credit card. Additionally, enjoy a complimentary 12-month Careem Plus subscription.
For frequent travelers, the card provides 12 complimentary visits annually to over 1,000 airport lounges worldwide for you and your supplementary cardholders when you make at least one international purchase worth USD 1 or more with your HSBC Visa card 15 days in advance.
This card is especially beneficial for those who prefer flexibility in redeeming their points, as HSBC offers multiple redemption options. Additionally, there are no restrictions on categories where points can be earned, making it easier for cardholders to accumulate rewards on everyday purchases. The annual fee for the HSBC Max Rewards Credit Card is AED 600 (AED 630 inclusive of VAT), which is competitively priced given the extensive rewards on offer.
The HSBC Premier Credit Card is exclusively available to HSBC Premier account holders and is designed to provide premium benefits for those who qualify. Cardholders enjoy a range of high-end services, including access to over 1,000 airport lounges worldwide through the LoungeKey program, comprehensive travel insurance, and a dedicated 24/7 global concierge service. Additional perks include a complimentary 12-month Careem Plus subscription, "Buy 1, Get 1 Free" movie tickets every month, and up to 25% off food and drinks at cinemas across the UAE. Furthermore, you can enjoy unlimited complimentary access to over 1,200 airport lounges globally with the Mastercard Travel Pass app, with the option to bring guests for USD 32 each.
This card is ideal for individuals who travel frequently and require a seamless global banking experience. Additionally, HSBC Premier Credit Card holders can benefit from emergency card replacement services, ensuring peace of mind no matter where they are in the world. Best of all, there is no annual fee for this card, making it an excellent choice for HSBC Premier customers.
To apply, you must have an HSBC Advance Account.The HSBC Advance Credit Card is designed for professionals seeking a balance between rewards and financial flexibility. Cardholders earn cashback on key categories such as groceries and fuel, while also benefiting from flexible payment plans and installment options. Additional perks include a complimentary 12-month Careem Plus subscription and unlimited complimentary access to selected airport lounges worldwide via the Mastercard Travel Pass app, with the option to bring guests for USD 32 each.
The HSBC Advance Credit Card provides access to exclusive offers, including discounts on travel, dining, and shopping. For customers looking to manage their finances effectively, this card also features 0% installment plans for large purchases, allowing for manageable monthly repayments. The card comes with no annual fee, further enhancing its appeal to working professionals who seek value in their everyday spending.
HSBC credit cardholders in the UAE enjoy access to a range of exclusive offers and promotions that enhance the value of their cards. Whether it's dining, shopping, or travel, HSBC credit cards offer various discounts and cashback opportunities to make every purchase more rewarding.
One of the standout promotions available to HSBC credit cardholders is the Amazon UAE 15% off offer. Cardholders can enjoy 15% off their first Amazon purchase of the month, with a discount of up to AED 75 every month until 31st December 2024. This offer is automatically applied when making eligible purchases on Amazon using an HSBC credit card. This promotion is perfect for those who regularly shop online, offering substantial savings over time.
Get a complimentary 12-month Careem Plus subscription when you add and use your HSBC credit card on the Careem app by 15 December 2024. With this offer, you can enjoy 20% off up to three rides every month across Middle Eastern countries when you pay with Mastercard. Whether you need a ride immediately or want to schedule one for later, you can book your own personal driver through Careem and choose a car type that fits your preferences. Don't miss out—this offer expires on 15 December 2024
HSBC credit cardholders can also benefit from dining discounts at numerous restaurants across the UAE. With partnerships at both local and international chains, HSBC provides discounts of up to 25% at selected dining spots. Whether you're enjoying a casual meal or a fine dining experience, these discounts make eating out more affordable and enjoyable.
Vox Cinemas : HSBC cardholders can enjoy a "Buy 1, Get 1 Free" offer on movie tickets when booking online or through the Vox Cinemas mobile app. Additionally, you can get up to 25% off on food and drinks. This offer applies to various HSBC credit cards, including Cashback, Platinum, Max Rewards, Premier, and Black cards, and is available up to four times per month depending on the card type
Reel Cinemas : Like the Vox offer, HSBC credit cardholders can enjoy "Buy 1, Get 1 Free" tickets at Reel Cinemas, with the offer redeemable up to two times per month. This benefit is accessible with cards like HSBC Max Rewards, Platinum, and Advance
Roxy Cinemas : HSBC credit cardholders can also take advantage of "Buy 1, Get 1 Free" movie tickets at Roxy Cinemas. The offer is valid on tickets booked through the Roxy Cinemas app or website, making it easy for cardholders to enjoy blockbuster films at premium venues
For frequent travelers, HSBC credit cards offer special travel benefits that range from discounts on hotel bookings to airport lounge access. Some cards, such as the HSBC Black Credit Card and HSBC Premier Credit Card, include complimentary access to airport lounges around the world through LoungeKey, providing comfort and convenience during travel. Additionally, HSBC has partnered with various travel agencies and airlines, offering discounts on flight bookings and hotel stays, allowing cardholders to save on both local and international travel.
HSBC credit cardholders can also take advantage of exclusive retail discounts at a range of stores, from fashion outlets to electronics retailers. Partner merchants offer periodic sales and promotions exclusive to HSBC cardholders, which can be accessed simply by using an HSBC card at checkout.
To get the most out of HSBC credit cards, it’s important to understand how to maximize cashback and reward points. For example, HSBC Visa Cashback cardholders can focus their spending on high cashback categories like groceries and dining to earn maximum returns. Similarly, Max Rewards Credit Card holders should target purchases where reward points are most lucrative, such as travel or entertainment expenses.
HSBC provides excellent customer service and support for its credit card customers in the UAE. Cardholders can access 24/7 customer support via phone or online, ensuring that help is always available when needed.
Phone and Online Support
Customers can reach HSBC’s dedicated customer service team by calling the HSBC hotline or through live chat on the HSBC website. Whether you have questions about your statement, need to resolve a billing issue, or want to inquire about card benefits, the support team is equipped to handle all inquiries efficiently.
Card Replacement and Dispute Resolution
In case of lost or stolen cards, HSBC offers a swift card replacement service. For Premier and Black credit cardholders, HSBC provides emergency card replacement globally, ensuring that cardholders aren’t left stranded without access to funds. Additionally, if a transaction dispute arises, cardholders can easily file a dispute through the HSBC app or via phone, with a resolution typically provided within a few business days.
HSBC also provides a detailed FAQ section on their website, addressing common questions related to credit card fees, reward points, cashback, and more. For more complex issues, customers can contact the support team directly for personalized assistance.
Choosing the right HSBC credit card in the UAE depends on your lifestyle, spending habits, and financial goals. If you’re someone who travels frequently and enjoys luxury benefits, the HSBC Black Credit Card may be the ideal choice, offering exclusive perks like airport lounge access and concierge services. For those who prioritize cashback and savings on everyday expenses, the HSBC Visa Cashback Credit Card or HSBC Advance Credit Card provide excellent value with no annual fees and significant cashback rewards.
If accumulating rewards points and redeeming them for travel, shopping, or entertainment is more in line with your financial strategy, the HSBC Max Rewards Credit Card is a great option. Meanwhile, for those who seek flexible payment plans and financial convenience, the HSBC Visa Platinum Zero Credit Card offers 0% interest options and easy installment plans.
Ultimately, HSBC credit cards cater to a wide range of customers, from high-net-worth individuals seeking premium benefits to everyday spenders looking for cashback and rewards. By evaluating your spending patterns and financial needs, you can select the HSBC credit card that best aligns with your goals
| Popular Cards from HSBC | Income Eligibility | Annual Fee | Interest / Profit Rate |
|---|---|---|---|
| HSBC Cash + Credit Card | AED 30,000 | AED 1050 | 3.69 |
| HSBC Live + Credit Card | AED 5,000 | AED 314 | 3.69% |
| HSBC Max Rewards Credit Card | AED 10,000 | AED 630 | 3.69 |
HSBC credit cards start with a minimum income of AED 10000. They currently offer Platinum Select, Zero and Cashback credit card at AED 10000 minimum income per month.
One can apply for a HSBC credit card in UAE through
Soulwallet offers detailed feature comparison and customized tools which assist customers in making a well-informed personal finance decision.
Soulwallet provides comprehensive and simple to use comparison tools which can help customers identify most suitable and best credit cards and personal finance options. The level of detail in comparison is unique and rich in quality. Soulwallet’s smart algorithm-based tool can show customers which cards can save maximum Dhirams based on their customized spend.
HSBC offers cards on Cashback, Travel, No Frill and Premium categories. HSBC Black, Premier and Jade are premium credit cards
Most of the HSBC credit cards offer complimentary features such as Airport Lounge, Cinema, Golf, Purchase Protection and Extended Warranty.
Proof of ID: Passport, Emirates ID, and Visa
Income document: 2 bank statements from the account into which your salary is paid or 2 salary credits into your HSBC account and / or salary certificate from your employer (issued in the last month)
HSBC Cashback credit card has cashback rewards. Earn 10% cashback on all fuel spends in the UAE (max AED 100 p.m.). Earn 3% cashback on all supermarket spends in the UAE (max AED 200 p.m.). Earn 1% cashback on all other spends (no max cap). Cashback will be automatically credited to your statement every month.
FABCashback Credit Card
Minimum Salary AED 5,000
Annual Fee AED 315
Rate 3.50%
We gather this information to assist you better and track your progress with the credit card application.
FABCashback Credit Card
Minimum Salary AED 5,000
Annual Fee AED 315
Rate 3.50%
