Best Credit Card In UAE
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HSBC Cash + Credit Card HSBC

MINIMUM SALARY

AED 30,000

RATE

3.69

ANNUAL FEE

AED 1050

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Earn 1% automatic cashback every day on all your purchases
  • 10% bonus cashback on meeting spend criteria*
  • Get unlimited complimentary access to 1,000+ airport lounges
  • Amazon: Enjoy 15% off 1 purchase, up to AED 75, every month

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

  • No annual fee of AED 1,000 for the first year and it'll be waived from the second year onwards, subject to you meeting a minimum spend of AED 24,000
  • Get unlimited access to 1000+ airport lounges in more than 300 cities all around the world, for you and 1 guest with LoungeKey.
  • Earn up to AED 800 cashback as joining bonus.
  • Amazon: Enjoy 15% off 1 purchase, up to AED 75, every month
  • Get Buy 1 Get 1 Free tickets at Vox cinemas up to four times a month
  • Get Buy 1 Get 1 Free tickets at Reel cinemas twice a month
  • Enjoy Buy 1 Get 1 Free tickets at Roxy Cinemas twice a month, as well as 20% off food and drinks while paying for Platinum tickets at the Platinum lounges
  • Get access to over 10,000 'buy 1 get 1 free' offers, whether it's a lavish brunch, food delivery, a calming spa day, a getaway or anything in between, with the HSBC ENTERTAINER app
  • Discover discounts at hundreds of dining outlets across the UAE with I Love Dining
  • Complimentary cover of up to $500,000 for you and your family on all trips up to 90 days
  • Get unlimited access to 1000+ airport lounges in more than 300 cities all around the world, for you and 1 guest with Visa Airport Companion App.
  • Home&Away program with offers on shopping, dining and entertainment at thousands of outlets worldwide
  • Hundreds of 0% Flexi Instalment Plans and partners' discount offers across UAE
  • Protection against unauthorised or fraudulent use of your card
  • Buyers protection by Visa

Reward Features

  • Get 1% daily cashback on all eligible purchases, with no minimum spend or caps.
  • Your daily cashback is automatically credited to your credit card account each day.
  • *Automatically receive 10% bonus cashback on your daily cashback every month, quarter and year, subject to minimum spends.
  • Monthly : 10% of daily cashback earned in a month: Requires AED 5000 spend in a month
  • Quarterly: 10% of daily cashback earned in a month: Requires AED 25,000 spend in a month
  • Annually: 10% of daily cashback earned in a month: Requires AED 125,000 spend in a month
Apply Now

on HSBC site

HSBC Live + Credit Card HSBC

MINIMUM SALARY

AED 5,000

RATE

3.69%

ANNUAL FEE

AED 314

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • Up to 6% cashback on your spend
  • Buy 1 Get 1 Free movie tickets every month
  • 12 complimentary visits a year to 1,000+ airport lounges
  • No annual fee for the 1st year

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

  • Earn upto AED 800 on cashback as joining bonus.
  • No annual fee of for the first year and it'll be waived from the second year onwards, subject to you meeting a minimum spend of AED 12,000. After the first year and on an annual basis thereafter, your Annual Fee will be waived on the HSBC Live+ Credit Card provided you spend a minimum of AED 12,000 in the previous 12 months (“Minimum Spend”) (either domestically or internationally). If you do not meet the Minimum Spend, an Annual Fee of AED 299 (AED 313.95 inclusive of VAT) will be charged in the 13th month. Please refer to the latest Schedule of Services and Tariffs available on HSBC's website for complete details.
  • Education cashback will change to 0.5% with no cap from 1 March 2025
  • Get up to 50% off dining bills at over 4,000 restaurants across the UAE with your complimentary Zomato Gold membership.
  • Get discounts at over 400 restaurants across the UAE when you pay with your credit card
  • Buy 1 Get 1 Free movie tickets every month, up to 25% off food and drink at cinemas across the UAEcinemas across the UAE.
  • Enjoy over 200 offers across dining, retail and accommodation across MENA with the Timeout and Golf Access Programme Timeout and Golf Access Programme.
  • Get up to 8% off accommodation with Booking.com when you book on your credit card
  • 12 complimentary visits a year to 1,000+ airport lounges
  • Complimentary travel inconvenience and travel medical insurance for trips booked with your card
  • Discounts at hundreds of dining outlets across the UAE with I Love Dining program
  • Home&Away program with offers on shopping, dining and entertainment at thousands of outlets worldwide
  • Hundreds of 0% Flexi Instalment Plans and partners' discount offers across UAE
  • Protection against unauthorised or fraudulent use of your card

Reward Features

Earn Cashback on ALL spends:

  • Earn 6% (up to AED 200) on dining, 5% (up to AED 200) on fuel and 2% (up to AED 200 each) on groceries, education and entertainment per statement cycle when you spend at least AED 3,000 a month
  • Earn 0.5% on all other spends, and when you spend less than AED 3,000 a month
  • Cashback will be automatically credited to your statement every month.

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.

Apply Now

on HSBC site

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