Best Credit Card In UAE
+971

MINIMUM SALARY

AED 35,000

RATE

3.69%

ANNUAL FEE

AED 1575

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Air Miles
  • 150,000 bonus sign-up Airmiles
  • Complimentary 12-month Careem Plus subscription
  • Amazon: Enjoy 15% off 1 purchase, up to AED 75, every month
  • Complimentary golf twice a month in Dubai, AbuDhabi and RAK
  • AED 800 Cashback Welcome offer

MINIMUM SALARY

AED 35,000

RATE

3.69%

ANNUAL FEE

AED 1,575

Non AED Transaction Fee

2.10%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

Get 150,000 sign-up Air Miles, and another 75,000 when you renew your membership, plus every year after that. 

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

  • Get AED 800 as joining bonus
  • Get 150,000 sign-up Air Miles, and another 75,000 when you renew your membership, plus every year after that
  • Earn 2.5 Air Miles for every AED 1 you spend on travel, 1.5 Air Miles for every AED 1 you spend online and on FX and 1 Air Mile for every AED 1 on all other spends on your card
  • Amazon- 5 percent off 1 purchase up to AED 75 monthly
  • Complimentary 12-month Careem Plus subscription
  • Get up to 10% off on your next car or truck rental with Budget
  • Complimentary unlimited access to 1,000+ airport lounges worldwide for cardholders and a guest
  • Amazon- 5 percent off 1 purchase up to AED 75 monthly
  • Complimentary travel inconvenience and travel medical insurance for trips booked with your card
  • Up to 10% off on bookings made on Expedia and Agoda HSBC cobranded websites
  • Complimentary Discovery Titanium membership and discounts at Global Hotel Alliance
  • Up to 15% off on Hertz car rentals and complimentary President's Circle membership
  • 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
  • Enjoy up to 35% off your next car rental with Avis
  • Rental collision and loss damage waiver for car rentals booked with your card
  • Get 15% discount on IHG Hotels & Resorts
  • 11,000+ ‘Buy 1-Get 1 Free’ offers with the HSBC ENTERTAINER app, including exclusive access to ‘Fine Dining’ and ‘Cheers’
  • International concierge service for luxury travel planning and access to exclusive events
  • Complimentary golf twice per month in golf clubs across Dubai, Abu Dhabi and RAK
  • Up to 8 ‘Buy 1-Get 1 Free’ tickets per month at VOX and Reel cinemas in the UAE88
  • 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 15% discount on IHG Hotels & Resorts
  • Enjoy up to 10% cashback on your hotel bookings
  • From 1 September 2024, you can go to any Fitness First club up to 12 times a month for AED 1 per visit when you spend over AED 10,000. T&Cs apply.
  • From September 2024, to get 2 free golf rounds a month the minimum monthly credit card spend will change from AED 5,000 to AED 15,000. In addition, cardholders can now enjoy 20% off extra rounds with SpikesOn at 10 golf courses across the UAE, and even more cinema savings.

Reward Features

Spend anytime, anywhere with your HSBC Black Credit Card & earn Air Miles:

  • 1.5 Air Miles per 1 AED of foreign currency spends.
  • 1.5 Air Miles per 1 AED spend on online purchases.
  • 2.5 Air Miles per 1 AED spend on airlines, hotels, car rentals, 1 Air Mile per 1 AED spend on all other transactions.
  • Redeem Airmiles online, from a wide range of travel and entertainment rewards, including flights, hotel stays, retail vouchers and much more.
  • Airmiles can be exchanged with Emirates Skywards Miles & Eithad Guest Miles.
  • Exchange ratio is 12 Air Miles for 1 Skywards Mile & 9 Air Miles for 1 Etihad Guest Mile.
  • Minimum 30,000 Air Miles required for exchange.
Apply Now

on HSBC site

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

MINIMUM SALARY

AED 10,000

RATE

3.45%

ANNUAL FEE

AED 0

  • Golf Offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • AED 500 Cashback as Joining offer
  • Earn Airmiles on all spends
  • Dining & shopping discounts
  • No annual fee

MINIMUM SALARY

AED 10,000

RATE

3.45%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.10%

Cash Advance Fee

3.25 % / Min 105

Joining Offers

Welcome offer: Get up to AED 500 cashback when you apply for an HSBC Visa Credit Card today. Offer valid until 30 April 2023

Key Features

  • No Annual Fee ever
  • Earn Airmiles on all spends
  • Free HSBC Entertainer Mobile App
  • 10 max. tickets in a month at VOX under Buy1 and Get 1. Also avail 20% off at Roxy
  • Access to over 200 airport restaurant offers globally
  • Visa Luxury Hotel collection offers
  • Discounts of up to 12% with Agoda
  • Timeout and Golf Access Programme
  • Exclusive dining privileges
  • 8% discount on hotel bookings made at Hotels.com
  • Extended warranty & purchase protection on purchases made on the card
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • 4 free months of Anghami Plus
  • Earn 1 Air Mile for every AED 4 spent
  • Dragon Pass Dine & Fly programme
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE

Reward Features

Earn Airmiles on your HSBC Platinum Select Credit Card

  • With HSBC Advance Credit Card & earn 1 Air Mile for every AED 4 spent (Domestic & International).
  • Redeem Air Miles from a range of Air Miles Rewards including airline tickets, hotel stays retail vouchers & much more.
  • Airmiles can be exchanged with Emirates Skywards Miles & Eithad Guest Miles.
  • Exchange ratio is 12 Air Miles for 1 Skywards Mile & 9 Air Miles for 1 Etihad Guest Mile.
  • Minimum 30,000 Air Miles required for exchange.

Things To Be Aware Of

  • Need to open a HSBC Personal account with salary transfer
  • Airmiles valid for 3 years only