HSBC Cash+ Credit Card

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  • Airport Lounge
  • Shopping Benefits
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  • Movie Discounts

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  • Cashback up to AED 2,000
  • Rewards + Welcome Offers
  • No Annual Fee
  • Travel benefits
  • Dining Discounts
  • Entertainment Benefits

HSBC UAE, one of the leading banks in the United Arab Emirates, offers a wide range of financial products and services for individuals, businesses, and institutions. It provides customers with access to banking, investments, borrowing, and insurance services. 

HSBC UAE also offers a range of credit cards, including the HSBC Cash+ Credit Card. With this card, you can enjoy a range of benefits such as cashback rewards, 0% interest on balance transfers, exclusive discounts from select partners, and much more. 

The HSBC Cash+ Credit Card is designed to help you make your money go further. It offers cash back rewards on all purchases, plus a 0% introductory interest rate for 6 months on balance transfers. The card also includes exclusive discounts on select merchants to help you save money on your everyday purchases. 

HSBC Cash+ Credit Card

Features and Benefits of HSBC Cash+ Credit Card

As we have seen, you can find numerous offers and features with this HSBC credit card. As a customer, you can access your accounts online and manage them, check your balance, and make payments using the official mobile app of HSBC UAE. Additionally, there are no annual fees or cash advance fees. 

Discussed below are the features and benefits of securing an HSBC Cash+ Credit Card -

  • Get Daily Cashback - Receive up to 1% daily cashback on all eligible purchases with no minimum spending limit.
  • Enjoy Lifestyle Benefits - With HSBC Cash+ Credit Card, you can easily save on entertainment and cinema tickets and get access to international airport lounges. 
  • Get Multi-trip Travel Insurance - With this HSBC credit card, you get complimentary insurance of up to USD 500,000 for you and your family on all trips for up to 90 days.
  • Apply for Unlimited Supplementary Cards - As a primary holder of the HSBC Cash+ Credit Card, you can get unlimited supplementary cards without any additional fees. 
  • Compatibility - The card is compatible with several mobile wallets like Google Pay, Apple Pay, and Samsung Pay.
  • Great Convenience - You can easily use this HSBC credit card on your HSBC mobile banking application.
  • Balance Transfer - You can transfer the balance from your other credit cards and add it to your HSBC Cash+ Credit Card. This will help you save on interest and control your finances smartly.
  • Purchase Protection - With this HSBC credit card, the items that you purchase are covered in case of accidental damage and theft. 
  • The facility of Buy Now Pay Later (BNPL) - With this Flexi Instalment Plan,  you can spread the costs of all eligible purchases.
  • Cash Instalment Plan - With a Cash Instalment Plan, you can easily obtain cash up to the credit card's permissible limit.
  • Extended Warranty - When you use your HSBC Visa credit card to make a transaction in full, the warranty feature is applied automatically. It increases the length of the initial manufacturer's guarantee by up to a year. 
  • 24-hour VISA Concierge - With this facility, you can effortlessly make restaurant reservations and shopping and travel arrangements. 
  • Card Protection - You are covered in case there is an unauthorised transaction or fraudulent activity on your HSBC credit card. In such a case, you would be reimbursed for up to USD 2,500 per instance. The aggregate annual limit allowed for reimbursement is up to USD 4,000.
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Cashback Back & Free Airport Lounge Access - Policybazaar uae

Offers and Rewards Available on HSBC Cash+ Credit Card

Here are the offers and rewards available with HSBC Cash+ Credit Card in the UAE -

  • Get up to AED 500 cashback when you buy a new HSBC credit card and make spending of at least AED 8,000 within the first 60 days. 
  • With this credit card, you can earn bonus cashback up to 17 times a year -
Cashback Frequency of Earning Cashback Cashback Percentage Minimum Expenditure Required (in AED)
Daily Cashback Daily 1% of the total expenditure made in a day No minimum spend required
Bonus Cashback Monthly 10% of the daily cashback that you earned in a month 5,000 per month
Bonus Cashback Quarterly 10% of the daily cashback earned in a quarter  25,000 per quarter
Bonus Cashback Yearly 10% of the daily cashback that you earned in a year 125,000 per year
  • The daily cashback that you earn is automatically added to your credit card account every day. 

Disclaimer - This offer is valid from January 16th to April 30th, 2023 (both days are included)

  • Save on Entertainment - You can avail of more than 10,000 ‘Buy 1 Get 1 Free’ offers on fine dining, a spa day, food delivery, a weekend getaway, and more. This offer is valid when you use the HSBC ENTERTAINER application. 
  • Get Deals on Cinema Tickets - With HSBC Cash+ Credit Card, you can get up to 4 ‘Buy 1 Get 1 Free’ tickets every month for VOX Cinemas. The offer is valid on 2D, 3D Premium View, 2D Premium View, 3D MAX, 2D MAX, 3D, 2D MAX Premium View, 3D KIDS, 2D KIDS, 2D MAX Atmos, and Gold. You also get up to 2 ‘Buy 1 Get 1 Free’ tickets every month for REEL Cinemas. The offer is valid on Premium View, Standard 2D, 3D MAX and Gold, Platinum 3D, Standard Plus 2D, Standard Plus 3D, Standard 3D, Platinum 2D, and Reels Junior. When you use your HSBC credit card for purchasing beverages and food at REEL Cinema and VOX Cinema, you get a discount of 20%.
  • Unlimited access to over 1,000 international airport lounges across over 300 cities across the world for you and one of your guests. You get up to 2 complimentary visits to the lounges. Note that for unlimited access, you would have to do at least 1 international purchase of USD 1 using HSBC Cash+ Credit Card. 
  • Fine Dining for Less - Get up to 30% off on a number of restaurants across the UAE when you use your HSBC Cash+ Credit Card to pay on the I Love Dining App. 
  • YQ Meet and Assist - You can enjoy customised meet and greet service at a discount of 25% at over 450 global locations. 
  • Special Offers on International Purchases - You can have exclusive deals when you use HSBC Cash+ Credit Card for shopping, fine dining, entertainment, and leisure at 19,000 outlets in 160 countries. 
  • Offers on Airport Dining - You can relish rare delicacies at more than 200 international airport restaurants and save big with DragonPass Dine and Travel application. 

Eligibility Criteria to Apply for HSBC Cash+ Credit Card

Before applying for an HSBC Cash+ Credit Card, you would be required to meet the following eligibility criteria -

  • Minimum Monthly Income Required - AED 30,000
  • Nationality - UAE Resident
  • Age Group - between 21 and 65 years

Documents Required to Apply for HSBC Cash+ Credit Card

Here is the list of documents that you would need to provide when you apply for an HSBC Cash+ Credit Card -

  • Identification Proof - Passport, UAE Residence Visa (for non-GCC nationals), and Emirates ID
  • UAE Residency Proof (you need to provide any one of these documents) - Utility Bills (dated within the last 2 months), Title Deeds (if you own a house in the UAE), or EJARI or Tenancy Agreement
  • Income Proof - Bank statements of your salary account for the last 2 months or 2 salary credits into your HSBC account and Salary certificate from the organisation (issued in the last month)

If you are applying for a supplementary card, you would be required to provide the Emirates ID of the supplementary cardholder as well. Furthermore, if your application is accepted, you would need to provide a security cheque that is 120% of your credit limit (not applicable for Jade and Premier Banking customers).

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Fees and Charges Applicable to HSBC Cash+ Credit Card

Check out the table below to understand the charges associated with the HSBC Cash+ Credit Card -

Fees Amount
Primary Card Annual Fee AED 1,000 (AED 1,050 with VAT)
Annual Fee for Supplementary Cards (share limit) No Fees
One-time Setup Fee for Supplementary Cards No Fees
APR on Purchases 44.28%
APR on Cash Withdrawal 44.28%
Cash Advance/Withdrawal Charge 3% (3.15% with VAT) of the total amount or AED 100 (AED 105 with VAT) - whichever is more
Fee for Card Replacement No Fees
Fee for Late Payment (per instance) AED 230 (AED 241.5 with VAT)
Over Limit Fee AED 250 (AED 262.5 with VAT)
Getting Pay Slip Copy AED 25 (AED 26.25 with VAT)
Fee for a Returned Cheque AED 100 (AED 105 with VAT)
Access to HSBC Current or Savings Account via VISA/Plus, UAE Switch, or Master/Cirrus ATMs (per transaction within and outside the UAE) AED 20 (AED 21 with VAT)
Accessing HSBC Current or Savings Account via HSBC ATMs (per transaction) Inside the UAE: No Fee Outside the UAE: AED 10 (AED 10.5 with VAT)
Foreign Currency Transaction Processing Fee 2% (2.1% with VAT) of the transaction amount as converted into the billing currency
Credit Shield Plus Not Applicable
Liability Letter AED 50 (AED 52.5 with VAT)
No Liability Certificate AED 50 (AED 52.5 with VAT)
Urgent Card Delivery Service Charges AED 100 (AED 105 with VAT)
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How to Apply for HSBC Cash+ Credit Card?

You can effortlessly apply for an HSBC Cash+ Credit Card via policybazaar.ae, a third-party portal. With us, it becomes easy to manoeuvre and find the top credit card options from the leading banks and lending institutions in the UAE. 

Click on the "Credit Card" tab on our home page or choose the "Credit Card in UAE" option from the ‘Banking Products’ option on the menu bar to apply for this HSBC credit card through our portal. You will be directed to the lead form, where you must provide all the requested information. Click the ‘Continue’ button when finished.

This will direct you to a page with credit card quotes where you can review the HSBC Cash+ Credit Card's features and offers before clicking the "Apply" option to start the application process.

When you apply for HSBC Cash+ Credit Card via policybazaar.ae, you get the following benefits -

  • Platform to select a suitable credit card from an array of options from the top banks and lending institutions in the UAE.
  • Discounts and offers on purchasing the credit card
  • Access to 24/7 customer care service
  • The best credit cards at reasonable interest rates
  • Assistance from finance experts in case you get into a dilemma while making a choice. 
Latest Offers on HSBC Credit Card
What is the minimum monthly income required to apply for HSBC Cash+ Credit Card?

You need to have a minimum salary of AED 30,000 per month to apply for HSBC Cash+ Credit Card.

Is there any option of annual fee waiver with this HSBC credit card?

You won’t have to pay the annual fee for the first year with this HSBC credit card. The charges will be waived from the second year if you make a minimum spend of AED 24,000.

Is having an HSBC Bank account mandatory to apply for HSBC Cash+ Credit Card?

You do not need to have an HSBC Bank account to apply for HSBC Cash+ Credit Card. 

What does balance transfer mean?

You can transfer the balance from your other credit cards and add it to your HSBC Cash+ Credit Card. This will help you save on interest and manage your finances better.

How many supplementary cards can you apply for with your primary HSBC credit card?

You can apply for unlimited supplementary cards for your family without paying any fee. When applying, you would need to provide the Emirates ID of the supplementary cardholder. 

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