Best Credit Card In UAE
+971

MINIMUM SALARY

AED 5,000

RATE

3.69%

ANNUAL FEE

AED 0

  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • Life time free
  • 10,000+ ‘Buy 1-Get 1 Free’ offers
  • No cash advance or overlimit fee
  • Amazon: Enjoy 15% off 1 purchase, up to AED 75, every month

MINIMUM SALARY

AED 5,000

RATE

3.69%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.10%

Cash Advance Fee

- / -

Key Features

  • Zero Annual Fee: No annual membership fee to pay
  • Zero Over Limit Fee:You won't be charged if you go over your credit limit
  • Zero Cash Advance Fees: If you need to withdraw cash using your credit card, you won't be charged a cash advance fee
  • Amazon: Enjoy 15% off 1 purchase, up to AED 75, every month
  • 10,000+ ‘Buy 1-Get 1 Free’ offers across dining, leisure, retail and wellness with the HSBC ENTERTAINER app
  • 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
  • Buyers protection by Visa

Reward Features

This card does not have a loyalty reward.

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 5% cashback on your spend
  • 'Buy 1 Get 1 Free' tickets at Vox Cinemas
  • Amazon: Enjoy 15% off 1 purchase, up to AED 75, every month
  • 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
  • Amazon: Enjoy 15% off 1 purchase, up to AED 75, every month
  • 12 complimentary visits a year to 1,000+ airport lounges
  • 10,000+ ‘Buy 1-Get 1 Free’ offers across dining, leisure, retail and wellness with the HSBC ENTERTAINER app
  • International concierge service for luxury travel planning and access to exclusive events
  • Buy 1-Get 1 Free’ tickets per month at VOX and Roxy cinemas in the UAE
  • 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
  • Buyers protection by Visa

Reward Features

Earn Cashback on ALL spends:

  • Earn 5% cashback on all fuel spends in the UAE (max AED 200 p.m.)
  • Earn 2% cashback on all supermarket in the UAE (max AED 200 p.m)
  • Earn 2% cashback on education spends in the UAE (max AED 200 p.m)
  • Earn 0.5% cashback on all other spends (no max cap)
  • 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

3.69

ANNUAL FEE

AED 630

  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Air Miles
  • No annual fee for the 1st year AED 630 from year 2 onwards
  • Enjoy 8 Fitness First visits a month for AED 1 each*
  • Complimentary 12-month Careem Plus subscription
  • Amazon: Enjoy 15% off 1 purchase, up to AED 75, every month

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

  • Earn 1 Air Mile for every AED 1 you spend, redeemable on flights, hotels, education, and shopping vouchers
  • Earn up to AED 800 cashback as joining bonus
  • Enjoy 8 Fitness First visits a month for AED 1 each when you spend over AED 6,000 a month.
  • Amazon: Enjoy 15% off 1 purchase, up to AED 75, every month
  • Get Buy 1 Get 1 Free tickets at Vox cinemas twice a month, upon meeting the minimum monthly spend of AED 6,000.
  • Get Buy 1 Get 1 Free tickets at Reel cinemas twice a month, upon meeting the minimum monthly spend of AED 6,000.
  • Enjoy a complimentary 12-month Careem Plus subscription.
  • Access a range of rewards on shopping, dining, and more, worldwide.
  • Get 12 complimentary visits per year for you and additional cardholders to over 1,000 airport lounges when you make at least 1 international purchase of USD 1 with your HSBC Visa card 15 days before you travel.
  • Save at over 200 airport restaurants worldwide with the DragonPass Dine & Travel App (terms and conditions apply).
  • Get up to 8% off accommodation with Booking.com when you book using your credit card.
  • Enjoy deals on shopping, travel, dining, and more worldwide with home&Away.
  • Complimentary travel insurance cover of up to USD 500,000 for you and your family on trips up to 90 days.
  • Pay no annual fee for the first year; the fee is waived thereafter when you spend at least AED 12,000 annually.
  • Double the Air Miles earned when you spend over AED 3,000 a month on your Max Rewards Credit Card.

Reward Features

Air Mile for every AED 1 spend. Exchange or redeem your Air Miles for flights, hotels as well as education and retail voucher

Double your Air Miles on your dining, entertainment, fitness, travel and more when you spend more than AED 3,000 a month

Complimentary access to gyms, entertainment, dining, travel benefits and more, based on your monthly spend

Where minimum spend of AED 3,000 is not met and for ‘All other spends’, the Air Miles rate is 1 Air Mile on each AED 1 spend. Lifestyle shopping includes apparel, electronics, online marketplace retailers, personal care and furniture, as defined by Visa


Apply Now

on HSBC site

MINIMUM SALARY

AED 15,000

RATE

3.69%

ANNUAL FEE

AED 0

  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • Welcome offer of AED 800 cashback
  • Complimentary 12-month Careem Plus subscription
  • Cinema offers at Vox & Reel
  • Airline and hotel discounts of up to 30% with Cleartrip.
  • Amazon: Enjoy 15% off 1 purchase, up to AED 75, every month

MINIMUM SALARY

AED 15,000

RATE

3.69%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.10%

Cash Advance Fee

3.15 % / Min 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.

Eligibility criteria and Terms and conditions apply. Offer valid from 1 May to 31st  December 2024 inclusive.

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

  • AED 800 cashback as welcome bonus
  • Complimentary unlimited access to select airport lounges worldwide
  • Discounts on travel bookings with Cleartrip
  • Amazon: Enjoy 15% off 1 purchase, up to AED 75, every month
  • 20% off on car rentals with Avis
  • Cinema Buy 1 get 1 offer is 2 Vox 2 Reel and 2 Roxy
  • Get 15% discount on IHG Hotels & Resorts
  • Get up to 10% off on your next car or truck rental with Budget
  • Enjoy up to 10% cashback on your hotel bookings
  • Complimentary unlimited access to select airport lounges worldwide
  • 10,000+ ‘Buy 1-Get 1 Free’ offers across dining, leisure, retail and wellness with the HSBC ENTERTAINER app
  • Buyers protection by Mastercard

Reward Features

Earn Airmiles on your HSBC Advance Credit Card

  • With HSBC Advance Credit Card  earn 1 Air Mile for every AED 1 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.

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

MINIMUM SALARY

AED 40,000

RATE

3.69%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Welcome offer of AED 800 cashback with the card
  • Free HSBC Entertainer App and exclusive travel offers
  • Exclusive dining and cinema privileges
  • Amazon: Enjoy 15% off 1 purchase, up to AED 75, every month

MINIMUM SALARY

AED 40,000

RATE

3.69%

ANNUAL FEE

AED 0

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.

Eligibility criteria and Terms and conditions apply. Offer valid from 1 May to 31st December 2024 inclusive.

Key Features

  • Premium benefits with no Annual Fees!
  • 20% off on 3 Careem rides a month in the UAE
  • Get up to 10% off on your next car or truck rental with Budget
  • Complimentary unlimited access to select airport lounges worldwide
  • Amazon: Enjoy 15% off 1 purchase, up to AED 75, every month
  • Up to 10% off on bookings made on Expedia and Agoda HSBC cobranded websites
  • Up to 15% off on Hertz car rentals and complimentary Five Star membership
  • Enjoy up to 35% off your next car rental with Avis
  • Get 15% discount on IHG Hotels & Resorts
  • Enjoy up to 10% cashback on your hotel bookings
  • Get up to 10% off on your next car or truck rental with Budget
  • 10,000+ ‘Buy 1-Get 1 Free’ offers across dining, leisure, retail and wellness with the HSBC ENTERTAINER app
  • Complimentary travel inconvenience and travel medical insurance for trips booked with your card
  • 10,000+ ‘Buy 1-Get 1 Free’ offers across dining, leisure, retail and wellness with the HSBC ENTERTAINER app
  • 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
  • Up to 15% off on Hertz car rentals and complimentary Five Star membership
  • Up to 6 ‘Buy 1-Get 1 Free’ tickets per month at VOX and Reel cinemas in the UAE, 2 ROXY tickets on cinema Buy 1 Get 1 cinema offer.
  • 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
  • Get 15% discount on IHG Hotels & Resorts
  • Enjoy up to 10% cashback on your hotel bookings
  • Complimentary travel inconvenience and travel medical insurance for trips booked with your card

Reward Features

Earn Airmiles on your HSBC Advance Credit Card

  • With HSBC Advance Credit Card & earn 1 Air Mile for every AED 1 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 also open an HSBC Premier Account
  • Airmiles valid for 3 years only
  • Minimum spend criteria apply for free valet parking

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

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