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 maximum limit on overall cashback earned
  • Earn cashback on all spends - no exclusions
  • Automatic cashback credit every month

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

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
  • 10 max tickets in a month at VOX under Buy1 and Get 1. Also avail 20%off at Roxy
  • 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 Cashback on ALL spends:

  • 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.

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 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

  • Golf offers
  • 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

MINIMUM SALARY

AED 10,000

RATE

3.50%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.10%

Cash Advance Fee

Key Features

  • ZERO fees - no Annual Fees, no Over Limit fees & no Cash Advance fees
  • 10 Complimentary tickets on Sundays at VOX and 20% off at Roxy
  • Free HSBC Entertainer Mobile App
  • Visa Luxury Hotel collection offers
  • 8% discount on hotel bookings made at Hotels.com
  • Access to over 200 airport restaurant offers globally
  • Exclusive dining privileges
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • 4 free months of Anghami Plus
  • 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 of upto USD 20,000 per year

HSBC

HSBC is one of the world’s largest banking and financial services organizations. HSBC was born from one simple idea – a local bank serving international needs. In March 1865, HSBC opened its doors for business in Hong Kong, helping to finance trade between Europe and Asia. The bank serves more than 40 million customers through their global businesses – Wealth and Personal Banking, Commercial banking, and Global Banking & Markets. HSBC network spans over 64 countries in Europe, Asia, the Middle East and Africa, North America, and Latin America.

HSBC’s presence in the UAE dates to 1946 when The Imperial Bank of Iran (later named as British Bank of the Middle East), a forerunner of HSBC Bank Middle East, opened its doors to the merchants and citizens of the Emirates. In 1959 BBME was acquired by HSBC. The bank played a key role in the establishment of a banking sector across the MENA region.

Personal Banking services offered are –

  • Accounts
  • Credit Cards
  • Borrowing – Loans & Mortgages
  • Insurance – Property & Family
  • Investing – Products & Analysis

Business Services include –

  • Business Banking – For small and medium businesses
  • Corporate Banking – For Large Businesses

HSBC Credit Cards

HSBC credit cards are reputed and are quite popular in the UAE. Their Jade and black credit cards are the top of the range and caters to the needs of high net worth customers. HSBC also offers cashback and rewards cards. Their Zero card is a no frill card which is more mass market and targets customers who want to keep it simple and with no annual fee.

Popular Cards from HSBC Income Eligibility Annual Fee Interest / Profit Rate
HSBC Advance Credit Card AED 15,000 AED 0 3.45%
HSBC Black Credit Card AED 50,000 AED 1,575 2.75%
HSBC Cashback Credit Card AED 10,000 AED 313 3.45%
HSBC Platinum Select Credit Card AED 10,000 AED 0 3.45%
HSBC Premier Credit Card AED 50,000 AED 0 3.24%
HSBC Zero Credit Card AED 10,000 AED 0 3.50%

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.