Best Credit Card In UAE

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+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
  • No annual fee ever!
  • Earn Air Miles on all spends
  • Free valet parking & cinema offers at Vox & Reel

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

Sign-up offer of AED100 Sharaf DG voucher

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
  • 200,000 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 200,000 sign-up Air Miles for the first year and 100,000 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 10,000

RATE

3.45%

ANNUAL FEE

AED 313

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • No annual fee for the 1st year
  • Earn cashback on all spends - no exclusions
  • 'Buy 1 Get 1 Free' tickets at Vox Cinemas
  • Up to 10% cashback on your spend
  • 1000s of discounts and benefits with HSBC ENTERTAINER app

MINIMUM SALARY

AED 10,000

RATE

3.45%

ANNUAL FEE

AED 313

Non AED Transaction Fee

2.10%

Cash Advance Fee

3.25 % / Min AED105

Joining Offers

Welcome offer: Get AED 300 cashback when you apply for a Cashback Credit Card 


Key Features

  • Earn cashback on ALL your spends (10% cashback on Fuel, 3% cashback on supermarket, 1% cashback on everything else)
  • Enjoy automatic statement credit of cashback every month
  • Buy 1 Get 1 Free' tickets at Vox Cinemas
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Timeout and Golf Access Programme
  • Access to over 200 airport restaurant offers globally
  • Visa Luxury Hotel collection offers
  • 8% discount on hotel bookings made at Hotels.com
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • 4 free months of Anghami Plus
  • Free HSBC Entertainer Mobile App
  • Exclusive dining privileges
  • 12% discount with Agoda at over 180,000 hotels worldwide
  • Dragon Pass Dine & Fly programme
  • Extended warranty of upto 1 year over the original manufacturer warranty
  • Purchase protection cover of upto USD 20,000 per year

Reward Features

  • 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.

 

AED 300 cashback available to all new and existing HSBC customers who apply for a new primary HSBC Cashback Credit Card or HSBC Zero Credit Card or HSBC Premier Credit Card or HSBC Advance Credit Card and who do not have a primary Credit Card at the time of application and did not have one 6 months prior to application. You must apply before 30 June 2022 to qualify and only eligible spends as referenced in the HSBC's terms and condition will be accepted.

Things To Be Aware Of

  • 2 free supplementary cards, AED 50 thereafter
  • Fuel & supermarket spends have max cashback caps

MINIMUM SALARY

AED 10,000

RATE

3.45%

ANNUAL FEE

AED 600

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Airport Chauffeur Services
  • Purchase Protection
  • Air Miles
  • Double your Air Miles on your dining, entertainment and more
  • Joining offer of AED 300 cashback and no annual fee
  • HSBC ENTERTAINER soleil app
  • Access to luxury airport lounges
  • 24 hours concierge access

MINIMUM SALARY

AED 10,000

RATE

3.45%

ANNUAL FEE

AED 600

Non AED Transaction Fee

2.00%

Cash Advance Fee

3.00 % / AED 105

Joining Offers

Enjoy cashback when you apply for a Max Rewards Credit Card before 30 June 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

  • Save with HSBC Entertainer soleil: Get complimentary access to premium gyms, pools, beach clubs and more when you spend over AED 6,000 a month on your Max Rewards Credit Card
  • Experience luxury airport lounges: Get up to 12 complimentary visits a year to 1000+ airport lounges globally for you and supplementary cardholders with Loungekey
  • Save on airport transfers, food deliver with Careeem: 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.
  • Cinema offers: Vox: Book online and get 2 'Buy 1 Get 1 Free' tickets per month. Offer is valid for the following experiences: Standard 2D, Standard 2D VIP, 2D MAX, 2D Max VIP, 2D Max Atmos, 2D Premium Mercato and Nation Tower, 3D
  • Reel: Book online and get 2 'Buy 1 Get 1 Free' tickets per month. Offer is valid for Standard 2D, Standard Plus 2D, Standard 3D, Standard Plus 3D, and Reel Junior.
  • Special offers abroad: Get exclusive offers on shopping, dining, leisure and entertainment at 19,000 outlets across 160 countries and regions.
  • Multi trip travel insurance: Complimentary cover of up to USD 500,000 for you and your family on all trips up to 90 days.
  • 24hours Visa Concierge: 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
  • There'll be no annual fee of AED 600 (AED 630 inclusive of VAT) 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.
  • 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 10,000

RATE

3.45%

ANNUAL FEE

AED 0

  • Golf Offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • No annual fee
  • Earn Airmiles on all spends
  • Dining & shopping discounts

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

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 also open an HSBC Personal account
  • Airmiles valid for 3 years only

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
  • Premium lifestyle benefits
  • Extensive travel discounts
  • Free HSBC Entertainer App

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

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

MINIMUM SALARY

AED 10,000

RATE

3.50%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • Life time free
  • No cash advance or overlimit fee
  • 'Buy 1 Get 1 Free' movie offers on Sundays at VOX
  • Free supplementary Cards
  • Zero processing fees on balance transfers

MINIMUM SALARY

AED 10,000

RATE

3.50%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.10%

Cash Advance Fee

3.25 % / Min AED105

Key Features

  • ZERO fees - no Annual Fees, no Over Limit fees & no Cash Advance fees
  • Upto 5 tickets on at VOX per month on Buy 1 Get 1 offer
  • Free HSBC Entertainer Mobile App
  • Visa Luxury Hotel collection offers
  • Access to over 200 airport restaurant offers globally
  • Exclusive dining privileges
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • Travel discounts of up to 12% with Agoda
  • Dragon Pass Dine & Fly programme
  • Extended warranty of upto 1 year over the original manufacturer warranty
  • Purchase protection cover