Best Credit Card In UAE
+971

MINIMUM SALARY

AED 15,000

RATE

3.45%

ANNUAL FEE

AED 0

  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • Air Miles
  • Welcome offer of AED 300 cashback
  • Earn Air Miles on all spends
  • Free valet parking & cinema offers at Vox & Reel
  • Airline and hotel discounts of up to 30% with Cleartrip.

MINIMUM SALARY

AED 15,000

RATE

3.45%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.10%

Cash Advance Fee

2.99 % / Min 105

Joining Offers

Welcome offer: Get AED 300 cashback when you apply for an Advance Credit Card today, and up to AED 1,050 when you apply online for an Advance Account.


Key Features

  • No Annual fee ever
  • Free HSBC entertainer mobile app
  • Earn 1 Air Mile for every AED 1 spent
  • Complimentary access to over 25+ lounges in the Middle East, Levant & select locations globally for the cardholder
  • Free access to a range of MENA airport lounges
  • Up to 4 free valet parking visits per month
  • Customers can avail 2 tickets each through Buy1 Get 1 at VOX and at Reel
  • Exclusive dining privileges
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Mastercard Buy 1 Get 1 free offers
  • Car rental offers from Avis
  • Enjoy an upto 30% discount on international roundtrip airfare & hotel bookings from Cleartrip
  • Premium international shipping with 25% discount
  • Up to a 15% discount on British Airway fares
  • Enjoy purchase protection of upto USD 5,000 per annum upto 90 days from the date of purchase

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 Advance account
  • Minimum spend criteria apply for free valet parking
  • Airmiles validity for 3 years only

MINIMUM SALARY

AED 50,000

RATE

2.75%

ANNUAL FEE

AED 1,575

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Air Miles
  • Premium luxury lifestyle benefits
  • 150,000 bonus sign-up Airmiles
  • Excellent travel & travel insurance benefits
  • Best in class cinema offers

MINIMUM SALARY

AED 50,000

RATE

2.75%

ANNUAL FEE

AED 1,575

Non AED Transaction Fee

2.10%

Cash Advance Fee

2.75 % / Min 105

Joining Offers

Welcome Offer

Enjoy 150,000 sign-up Air Miles for the first year and 75,000 anniversary Air Miles from the 2nd year onwards.

Key Features

  • Up to 2.5 Air Miles per 1 AED spend on the card
  • Unlimited complimentary airport lounge access for primary & supplementary cardholders plus a guest each
  • Complimentary unlimited valet parking in select locations at Dubai & Abu Dhabi
  • Customers can avail 4 complimentary tickets each at VOX and Reel in a month through Buy1 and Get 1
  • Marriott Bonvoy Hotels complimentary nights
  • Expedia hotel bookings discounts
  • Entertainer app with 9,000+ Buy 1-Get 1 Free offers
  • Special offers including free nights at Oberoi Hotels & Resorts
  • Car rental offers from Avis & Hertz including Hertz Gold Plus Rewards® President's Circle membership
  • Enjoy a 10% discount on any international roundtrip airfare from Cleartrip
  • Exclusive international Concierge service
  • Two complimentary rounds at Els Club, Trump, Sadiyat Beach Golf club and Abu Dhabi Golf club
  • Travel insurance cover upto $500,000 covering the cardholder & family
  • Car rental insurance cover up to USD 50,000
  • Complimentary travel insurance confirmation letter (for e.g. for Schengen Visa)
  • Exclusive Mastercard World Elite Concierge benefits
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Luxury outlet shopping offers and benefits at Bicester outlet villages in Europe
  • Mastercard Buy 1 Get 1 free offers
  • MyUS Online shopping benefits and offers
  • Exclusive luxury hotel offers at select Soneva properties in Maldives and Thailand
  • Instant upgrade to DISCOVERY Black-level membership, a loyalty programme of Global Hotel Alliance
  • Exclusive discounts on Airport Meet & Greet services

Reward Features

Earning miles

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.

Things To Be Aware Of

  • You will require an HSBC Premier account to get this card
  • Bonus Airmiles have minimum spend criteria

MINIMUM SALARY

AED 30,000

RATE

3.45%

ANNUAL FEE

AED 1,050

  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • AED 500 Cashback as Joining offer
  • Earn 1% automatic cashback every day on all your purchases
  • Get 10% bonus on your total daily cashback
  • Get unlimited complimentary access to 1,000+ airport lounges
  • Complimentary airport transfers

MINIMUM SALARY

AED 30,000

RATE

3.45%

ANNUAL FEE

AED 1,050

Non AED Transaction Fee

2.10%

Cash Advance Fee

3.15 % / or AED 105

Joining Offers

Welcome offer: Get AED 500 cashback when you apply for an HSBC Cash+ Credit Card today.

 No annual fee for the 1st year and 2nd year onwards waiver subject to meeting minimum spends.

Key Features

  • Get 1% daily cashback on all eligible purchases, with no minimum spend or caps.
  • Buy 1 and Get 1 Offers with HSBC entertainer app
  • Book online and get 4 'Buy 1 Get 1 Free' tickets per month.
  • Also enjoy 20% discount on food and beverages at both cinemas’ locations.
  • Get unlimited access to 1000+ airport lounges in more than 300 cities all around the world
  • Enjoy the convenience of 4 free airport transfers a year to or from a UAE domestic airport with Careem
  • Get exclusive offers on shopping, dining, leisure and entertainment at 19,000 outlets across 160 countries and regions.
  • Save at over 200 airport restaurants worldwide with DragonPass Dine & TravelDragonPass Dine & Travel.
  • Enjoy a personalised greeting and exceptional airport experience
  • Complimentary cover of up to USD 500,000 for you and your family on all trips up to 90 days

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 10,000

RATE

3.45%

ANNUAL FEE

AED 630

  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Air Miles
  • Get AED 500 cashback when you apply today
  • No annual fee for the 1st year
  • Earn 1 Airmile for every AED 1
  • Double your Air Miles on certain categories of spend
  • Discounts & benefits with HSBC Entertainer Soleil app

MINIMUM SALARY

AED 10,000

RATE

3.45%

ANNUAL FEE

AED 630

Non AED Transaction Fee

2.10%

Cash Advance Fee

3.00 % / AED 105

Joining Offers

Enjoy cashback when you apply for a Max Rewards Credit Card before 31 December 2022 and spend AED 5,000 in the first 60 days. You'll also pay no annual fee for the first year, or from the second year onwards if you spend at least AED 12,000 a year.

Key Features

  • Access over 10,000 'Buy 1 Get 1 Free' offers across dining, leisure, retail and wellness
  • No annual fee in year 1. From year 2, annual fee is waived unless the annual spend is below AED 9,000, in which case a fee of AED 300 will apply
  • 50 free credits to enjoy 50% off total bills at participating merchants across grocery & fooddelivery, dining and ,cinemas, golf, spas and theme parks!
  • Buy 1 Get 1 free’ Flat 30% off 2 movie tickets at VOX cinemasUnlimited access to 1000+ LoungeKey lounges worldwide
  • Get access to hundreds of Buy 1 Get 1 offer with the free Mastercard® priceless specials app
  • Fast, safe and effortless purchases, with Apple Pay
  • Pay with points for your purchases via SMS or online
  • Quick Cash: instant cash at a click of a button
  • PayLite: turn any big purchases into small payments
  • Citi World Privileges: Enjoy travel, dining and entertainment discounts locally and across 95 countries
  • HSBC ENTERTAINER app
  • Get up to 12 complimentary visits a year to 1000+ airport lounges globally for you and supplementary cardholders
  • Enjoy the convenience of 2 free airport transfers a year to or from a UAE domestic airport with Careem, up to AED 100 per ride.
  • Vox: Book online and get 2 'Buy 1 Get 1 Free' tickets per month.Reel: Book online and get 2 'Buy 1 Get 1 Free' tickets per month.
  • Get exclusive offers on shopping, dining, leisure and entertainment at 19,000 outlets across 160 countries and regions.
  • Multi trip travel insurance cover of up to USD 500,000 for you and your family on all trips up to 90 days.
  • 24hours Visa Concierge takes care of the details, from restaurant reservations and bespoke shopping to travel arrangements and more.
  • Dine well for less: Save up to 30% off at over 400 restaurants across the UAE with I Love Dining when you pay using your eligible credit card.
  • Airport Dining Offers: Save at over 200 airport restaurants worldwide with Dragonpass dine&fly
  • Card protection: Get covered against unauthorised transactions or fraudulent use of your card with reimbursement up to USD 2,500 per occurrence. Up to USD 4,000 annual aggregate limit.

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


MINIMUM SALARY

AED 50,000

RATE

3.24%

ANNUAL FEE

AED 0

  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Welcome offer of AED 2300 with Premier account
  • Welcome offer of AED 300 cashback with the card
  • Free HSBC Entertainer App and exclusive travel offers
  • Exclusive dining and cinema privileges
  • Premium lifestyle benefits

MINIMUM SALARY

AED 50,000

RATE

3.24%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.10%

Cash Advance Fee

2.75 % / Min AED105

Joining Offers

Get AED 300 cashback when you apply for an Premier Credit Card today, and up to AED 2300 when you apply online for a Premier Account. 


Key Features

  • Premium benefits with no Annual Fees!
  • Free valet parking up to 4 times per month
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Luxury outlet shopping offers and benefits at Bicester outlet villages in Europe
  • Mastercard Buy 1 Get 1 free offers
  • MyUS Online shopping benefits and offers
  • Customers can avail 4 complimentary tickets at VOX and 2 at Reel in a month through Buy1 and Get 1
  • 10% discount on Expedia hotel bookings
  • Earn 1 Air Mile for every AED 1 spent
  • 1-year free Expedia+ gold membership
  • 7% discount with Agoda at over 180,000 hotels worldwide
  • Discounted Airport lounge access with LoungeKey for primary & secondary card holders
  • Free global Wi-Fi through Boingo
  • Air Miles Rewards Programme
  • Complimentary nights at select Marriott Bonvoy properties worldwide
  • Car rental offers from Avis & Hertz including Hertz Gold Plus Rewards® Five Star membership
  • Enjoy a 10% discount on any international roundtrip airfare from Cleartrip
  • Free HSBC Entertainer mobile app
  • Exclusive dining privileges
  • Travel insurance cover upto $500,000 covering the cardholder & family
  • Complimentary travel insurance confirmation letter (for e.g. for Schengen Visa)

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