HSBC Credit Card Eligibility

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Based in London, HSBC is one of the leading multinational investment banks in the world. The bank has 40 million customers in more than 64 countries, including territories in Asia, the Middle East and Africa, Europe, North America, and Latin America.

HSBC established its first branch in the UAE in 1946 and has been serving the Emiratis with a wide range of banking products since. Card holders of HSBC credit cards receive access to numerous exciting deals and discounts. You can also be one of the bank’s credit cardholders and enjoy all the benefits with great ease by simply applying for an HSBC credit card based on your preferences. 

Before you apply, let us take you through the HSBC credit cards eligibility criteria in the UAE. This will help you meet the bank’s expectations and get the credit card of your choice without any hassle.

HSBC Credit Card Eligibility in the UAE

Find below the HSBC credit card eligibility criteria you have to meet when applying for a credit card.

  • Only UAE residents are eligible for the HSBC credit cards available in the UAE branches.
  • People with a good credit Score and remarkable debt repayment history can apply for an HSBC credit card.
  • The applicant must be of age between 21 and 65 years when applying for an HSBC credit card.
  • The applicant must be a salaried or self-employed individual.
  • The applicant must meet the minimum monthly salary/income requirement ranging between AED 10,000 and AED 50,000, based on the type of HSBC credit card they are applying for.
  • The applicant must have a regular source of income in the UAE.
  • A healthy relationship with the current bank is required on the applicant’s part.

Documents Required to Apply for HSBC Credit Cards

Here are the documents you need to provide when applying for an HSBC Credit Card.

Type of Documents

Required Documents

Identity Verification

  • Emirates ID (for identity verification) – Original document with a copy

Income Verification

  • Salary Letter/Salary Slips/Appointment Letter (for income verification) – Original document with a copy
  • Bank Statement for the previous three months (for income verification) – Original document with a copy
  • A valid trade license for self-employed applicants – Original document with a copy 

Address Verification

  • A valid Passport with Residency Visa (for address verification)  – Original document with a copy
  • Contract of Tenancy or Utility Bills (for address verification) – Original document with a copy

Other Documents

  • A duly filled out application form
  • A signed security cheque

Factors Affecting HSBC Credit Card Eligibility

Given below are some key factors affecting your HSBC credit card eligibility.

  • Age: Your age is one of the major factors affecting your HSBC credit card eligibility. You must be of the age between 21 and 65 years when applying for your chosen HSBC credit card. 
  • Monthly Income: HSBC Bank has different monthly income requirements for different credit cards. You are required to fulfil the minimum salary eligible criteria of your chosen HSBC credit card at the time of application.
  • Credit Score: Your credit score is another factor that impacts your HSBC credit card eligibility both positively and negatively. You can get quick approval on the HSBC credit card application if you have a good credit score
  • Credit Settlement: Settling your debts at a reduced outstanding amount to get rid of your dues can also impact your HSBC credit card eligibility. While they may appear comfortable, make sure that you do not go for such settlements as they can take a hit on your credit score.
  • Debt Repayment: The way you manage your debts also counts when it comes to meeting the HSBC credit card eligibility criteria. Ensure the repayment of all debts on time to present yourself as a responsible borrower who can manage all dues with other financial requirements.

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Simple Ways to Improve HSBC Credit Card Eligibility

If you wish to enhance your HSBC credit card eligibility, here are some simple steps that you can perform

  • Avoid any delay in paying your credit card bills and other debts, as this is one of the simplest ways to enhance your credit score and HSBC credit card eligibility.
  • Pay your debts in full and avoid piling them up. Making credit payments in full can increase your chances of getting the HSBC credit card application approved in no time.
  • Avoid calling the bank’s customer care helpdesk for every other query. This increases the number of credit inquiries you have made and negatively impacts your credit card eligibility.

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FAQs on HSBC Credit Card Eligibility

How can I apply for an HSBC credit card online?

You can visit the bank’s website or log in to its online banking portal to apply for your chosen HSBC credit card. Follow the steps mentioned below.

  • Visit the website/Login to the portal.
  • Provide your details and fill out the application form.
  • Attach the essential documents with the form and submit it.
  • Get the approval if everything falls right in place.
Can I apply for an HSBC Credit Card as a salaried individual?

Yes, you can apply for an HSBC credit card as a salaried applicant if you meet the minimum salary requirement. And if you do fulfil that criteria, all you need to do is fill out the application form and submit it with all the required documents.

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