Best Credit Card In UAE

MINIMUM SALARY

AED 5,000

RATE

3.69%

ANNUAL FEE

AED 313

  • 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 313

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 600 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 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

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
  • 20% off for 3 rides per month with Uber
  • 20% off on 3 Careem rides a month in the UAE
  • 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
  • Discounted Rides with Uber and Careem: Save 20% on up to 3 Uber rides and 3 Careem rides each month in the UAE, making your local transportation more economical
  • 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 30,000

RATE

3.69%

ANNUAL FEE

AED 2625

  • Get upto 50000 bonus Skywards Miles
  • Enjoy complimentary Emirates Silver Tier membership
  • Access over 1,000 lounges in 300+ cities worldwide
  • 3 complimentary visits per month to premium beach clubs
  • Up to 2.75 Skywards Miles for every USD spent

MINIMUM SALARY

AED 30,000

RATE

3.69%

ANNUAL FEE

AED 2,625

Non AED Transaction Fee

2.1

Cash Advance Fee

3.15

Joining Offers

Get 20,000 sign-up bonus Skywards Miles when you pay your annual card fee

Get another 30,000 welcome spend Skywards Miles when you spend a minimum of AED 50,000 in eligible spends in the first 60 days

Eligibility criteria and terms and conditions apply.  Offer valid from 1 October 2024 to 31 January 2025 inclusive

Key Features

  • Earn Skywards Miles:get up to 2.75 Skywards Miles for every USD 1 spent on eligible transactions.
  • Silver Tier Status: Enjoy complimentary Emirates Silver Tier membership with extensive travel benefits.
  • No Skywards Miles Expiry: Your Skywards Miles won't expire as long as your Emirates Skywards account and HSBC credit card are active.
  • Beach Club Visits: Starting 1 November 2024, enjoy 3 complimentary visits per month to premium beach clubs across the UAE.
  • Travel Rewards: Data Roaming: Get 1GB free data roaming and 22% off additional packages with Airalo.
  • Hotel Discounts:Up to 8% off accommodation with Booking.com.
  • Luxury Hotel Perks: Enjoy room upgrades, best rate guarantees, and complimentary breakfast at Visa Luxury Hotels.
  • Airport Meet & Assist: Save up to 30% at over 450 locations worldwide.
  • Agoda Discounts: Get up to 12% off hotels and vacation rentals worldwide with Agoda.
  • Airport Lounge Access: Access over 1,000 lounges in 300+ cities worldwide. Complimentary entry for you and one guest, with extra guests at USD 32 per visit. Unlimited visits when you make at least 1 international purchase worth USD 1 on your HSBC Visa card 15 days before travel.
  • Use the Visa Airport Companion app for lounge benefits.
  • Lifestyle and Entertainment Offers: HSBC ENTERTAINER App: Access thousands of offers on lifestyle and entertainment venues worldwide.
  • Careem Plus: Get a complimentary 12-month Careem Plus subscription with your HSBC Emirates Skywards Infinite credit card.
  • Movie Offers: Enjoy Buy 1 Get 1 Free movie tickets every month, plus 20% off food and drinks at UAE cinemas.
  • Amazon Discount: Get 15% off one purchase per month at Amazon, up to AED 75.
  • Shopping and Travel Offers
  • home&Away: Enjoy global offers on shopping, dining, travel, and more.
  • Multi-Trip Travel Insurance: Complimentary coverage of up to USD 500,000 for you and your family on trips up to 90 days.
  • Digital Cards: Add your HSBC Emirates Skywards Infinite credit card to your digital wallet for instant contactless payments via the HSBC UAE app.
  • Airport Dining Offers : Save at over 200 airport restaurants worldwide with DragonPass Dine & Travel.
  • Purchase Protection: Shop confidently with full protection against theft or damage, provided by Visa Buyers Protection.
  • Balance Transfers Transfer balances from other UAE credit cards to save on interest rates.

Reward Features

Earn Skywards Miles when you spend. From paying bills to purchasing flights, you'll earn Miles on every USD 1 equivalent in eligible spends with your card.

  • Get 2.75 Skywards Miles on direct bookings with Emirates and flydubai in AED
  • Get 1.5 Skywards Miles on non-AED transactions
  • Get 1 Skywards Miles on AED transactions
  • Get 0.25 Skywards Miles on government services, public transport, utilities, telecoms, education, real estate, fuel, groceries and supermarkets, insurance and auto dealers (AED)
  • Accelerate your skywards miles earning with Skywards Living. Pay with your HSBC Emirates Skywards Credit Card with Emirates Skywards partners and multiply your Miles earning.

MINIMUM SALARY

AED 10,000

RATE

3.68

ANNUAL FEE

AED 1050

  • Get upto 20000 bonus skywards miles
  • Fast track to Emirates Skywards Silver status
  • Complimentary 12-month Careem Plus subscription
  • Avail hotel discounts and 8% on booking.com

MINIMUM SALARY

AED 10,000

RATE

3.68

ANNUAL FEE

AED 1,050

Non AED Transaction Fee

2.1

Cash Advance Fee

3.15 % or AED 105

Joining Offers

Key Features

  • Fast Track to Emirates Skywards Silver Status: Spend AED 180,000 annually, including AED 10,000 with Emirates, to achieve Silver status from year 2.
  • No Skywards Miles Expiry: Your Skywards Miles won’t expire as long as your account and card are active.
  • Careem Plus Subscription: Get a complimentary 12-month Careem Plus subscription by using your HSBC Emirates Skywards Signature card.
  • Earn Skywards Miles: Earn up to 1.75 Skywards Miles for every USD 1 spent on eligible transactions.
  • Complimentary Airport Lounge Access: Enjoy 12 free lounge visits annually after making one international purchase worth USD 1.
  • Data Roaming Benefits: Get 1GB free data roaming and 22% off additional packages with Airalo.
  • Hotel Discounts: Save up to 8% with Booking.com, and enjoy perks at Visa Luxury Hotels and up to 12% off with Agoda.
  • Lifestyle and Entertainment Offers: Access thousands of offers with the HSBC ENTERTAINER app, plus 15% off at Amazon and Buy 1 Get 1 Free movie tickets.
  • Shopping and Travel Offers: Enjoy global discounts on shopping, travel, and dining with home&Away.
  • Multi-trip Travel Insurance: Get free cover up to USD 500,000 for trips lasting up to 90 days.
  • Airport Meet & Assist: Save up to 30% at over 450 locations worldwide.
  • Purchase Protection: Shop with full protection against theft or damage through Visa's Buyers Protection.
  • Airport Dining Discounts: Save at 200+ airport restaurants worldwide with DragonPass Dine & Travel.

Reward Features

Earn Skywards Miles when you spend. From buying groceries to paying for flights, you'll earn Miles on every USD 1 equivalent in eligible spends with your card.

Get 1.75 Skywards Miles on direct bookings with Emirates and flydubai in AED|
Get 1 Skywards Miles on non-AED transactions
Get 0.75 Skywards Miles on AED transactions|
Get 0.1 Skywards Miles on government services, public transport, utilities, telecoms, education, real estate, fuel, groceries and supermarkets, insurance and auto dealers (AED)

Accelerate your Skywards Miles earning with Skywards Living. Pay with your HSBC Emirates Skywards Credit Card with Emirates Skywards partners and multiply your Miles earning.

Introduction to HSBC Credit Cards in UAE

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 Credit Card Overview

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.

Detailed Breakdown of HSBC Credit Cards

HSBC Black Credit Card

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.

HSBC Visa Cashback Credit Card

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.

HSBC Visa Platinum Zero Credit Card

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.

HSBC Max Rewards Credit Card

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.

HSBC Premier Credit Card

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.

HSBC Advance Credit Card

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.

Exclusive Offers on HSBC Credit Cards

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.

Amazon UAE 15% Off Offer

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.

Complimentary 12-month Careem Plus subscription

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

Dining Discounts and Rewards

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.

Cinema offers on HSBC Credit Cards

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

Travel Perks and Hotel Discounts

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.

Shopping and Retail Discounts

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.

Cashback and Rewards Maximization Tips

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 Credit Card Customer Service and Support

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.

FAQs and Common Issues

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.

Final Thoughts on Choosing the Right HSBC Credit Card

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 Black Credit Card AED 35,000 AED 1575 3.69%
HSBC Cash + Credit Card AED 30,000 AED 1050 3.69
HSBC Cashback Credit Card AED 5,000 AED 313 3.69%
HSBC Emirates Skywards Infinite Credit Card AED 30,000 AED 2625 3.69%
HSBC Emirates Skywards Signature Credit Card AED 10,000 AED 1050 3.68
HSBC Max Rewards Credit Card AED 10,000 AED 630 3.69

FAQs

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

  • Visiting one of the bank’s branches and submitting required documents
  • Apply directly on the bank’s online application forms.
  • Banks Kiosks at various locations

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.