HSBC Credit Cards

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HSBC is one of the largest and most widely represented international banks in the UAE. HSBC bank offers 5 types of credit cards. Each of the HSBC credit cards is loaded with a wide range of benefits & privileges that enable the cardholder to make the most of their card.

Types of HSBC Credit Cards

Given below are the primary features & benefits of every credit card offered by HSBC:

Types of HSBC Credit Cards

HSBC Visa Platinum Select Credit Card

HSBC Visa Cashback Credit Card

HSBC Advance Credit Card

HSBC Black Credit Card

HSBC Premier Credit Card

HSBC Max Rewards Credit Card

HSBC Cash+ Credit Card  

HSBC Black Credit Card

The HSBC Credit Card comes with a wide range of travel and lifestyle benefits. The cardholder will get the following benefits with the HSBC black credit card:

HSBC Black Credit Card
Balance Transfer
  • Minimum Salary AED 50,000
  • Annual Fee AED 1,500
  • Balance Transfer
  • Movie Discounts
  • Golf Discounts
  • Airport Lounge Access
Features & Benefits of this HSBC Credit Card
  • 150,000 air miles as a sign-up bonus for the 1st year & 75,000 anniversary air miles from the 2nd year onwards.
  • Free access to over 100+ airport lounges globally.
  • Exclusive travel, dining, golfing, & cinema privileges.
  • The cardholder will require an ‘HSBC premier account’ in order to apply for this HSBC credit card.
  • This HSBC Credit Card offers Balance Transfer, Golf Discounts, Dining Discounts, Airport Lounge Access & more.

HSBC Visa Cashback Credit Card

With this HSBC cashback credit card, the cardholder can earn a maximum of 10 percent cashback on their everyday spends. Additionally, members of this card can avail dining, travel, and entertainment offers. Following are the main benefits of this HSBC credit card:

HSBC Visa Cashback Credit Card
Cashback
  • Minimum Salary AED 10,000
  • Annual Fee Free for 1st Year
  • Welcome Bonus
  • Airport Lounge Access
  • Travel Insurance
  • Golf Benefits
  • Free for 1st year
  • Cashback
  • Movie Discounts

Features & Benefits of this HSBC Credit Card

  • Earn up to 10% cashback on all your transactions in the UAE.
  • No minimum spends required for availing cashback
  • Automatic credit of cashback every month
  • There is no requirement of opening an account with HSBC for availing this HSBC cashback credit card.
  • Buy one, get one free movie ticket at VOX Cinemas
  • Thousands of discounts & benefits through ‘Entertainer Mobile App’, ‘I Love Dining Programme’, and much more.
  • This HSBC Credit Card offers cashback, travel insurance, movie discounts, dining discounts, airport lounge access & more.

HSBC Visa Platinum Select Credit Card

Member of the HSBC Visa Platinum Select Credit Card can earn Air Miles rewards on everyday spends and enjoy a wide range of benefits. Some of its key benefits are given below:

HSBC Platinum Select Credit Card
Cashback
  • Minimum Salary AED 10,000
  • Annual Fee Free for Life
  • Free for Life
  • Travel Benefits
  • Golf Benefits
  • Movie Discounts
  • Dining Discounts
Features & Benefits of this HSBC Credit Card
  • 1 Air Mile can be earned on every 4 AED spent which can be redeemed for retail vouchers, flights, and hotels.
  • Exclusive dining & cinema privileges.
  • Up to 12 percent off across more than 985,000 hotels & vacation rentals worldwide at Agoda.
  • No annual fee is charged on this HSBC credit card UAE.
  • This HSBC Credit Card offers cashback, travel discounts, movie discounts, dining discounts & more.
  • This HSBC Credit Card also offers free for life facility.

Note: An applicant will require a personal banking account & a minimum monthly salary transfer of 5000 AED to be eligible for this card.

HSBC Max Rewards Credit Card

Features and Benefits of this HSBC Credit Card

  • Enjoy card for free for the first year. Get subsequent years free on shopping of AED 12,000 per year.
  • Get 1 Air Mile on every Dirham you spend. The miles can be redeemed on hotels, education, flights and shopping expenses. 
  • Earn double Air Miles on travel, fitness and entertainment when you spend a minimum of AED 6,000 in one month. 
  • Get 12 complimentary visits to over 1,000 airport lounges across the globe. 
  • Buy one get one offers at Reel and VOX cinemas. 
  • Enjoy up to 10% discount on air tickets booked between January 1st 2022 and December 31st 2022 for travel dates till December 30th 2023. 

HSBC Cash+ Credit Card 

Features of this HSBC Credit Card

  • Enjoy the card for free for the first year. Get the annual fee waived off from the second year onwards after completing AED 24,000 minimum spend in one year. 
  • Enjoy complimentary access to over 1000 airports for you and one guest. 
  • Buy one and get one ticket free at Reel and VOX cinemas. 
  • Up to 20% off on food and beverage orders at both these cinemas.
  • Enjoy 1% cashback on all your purchases. No cap is applied and no minimum spend amount is required. 
  • Get a 10% bonus on your cashback every month after covering the minimum spend limit. 

HSBC Credit Card Offers

Below given are details of exclusive limited time offer on select HSBC credit cards in the UAE: 

HSBC Credit Card 

Available Offer

HSBC Cashback Credit Card 

AED 300 cashback 

HSBC Max Rewards Credit Card

AED 500 cashback 

HSBC Cash+ Credit Card 

AED 500 cashback 

Features & Benefits offered by the HSBC Credit Cards

HSBC credit cards offer some of the most unique features & benefits to its card member that suits their lifestyle’s need. Given below are the key features & benefits of credit cards offered by HSBC:

  • Travel Benefits - The cardholder can avail an array of travel benefits, including free airport lounge access, hotel discounts, complimentary travel insurance, and much more.
  • Balance Transfer - The card member can transfer their outstanding balance from any other credit card in the UAE to the HSBC credit card at 0 percent interest rate for up to 24 months.
  • Cash Installments -The cardholder can enjoy easy access to cash through the available credit limit of their HSBC credit card UAE with this cash installment plan. The HSBC credit card cash installment plans are available for tenors of 6, 12, & 24 months at a monthly interest rate as low as 0.75 percent.
  • Flexi Installment Plan - Members of the HSBC UAE credit card can easily convert their purchases into easy to pay monthly installments at 0 percent.

Eligibility Criteria of HSBC Credit Card

An applicant should meet the below-mentioned criteria to be eligible for the HSBC UAE credit card:

  • Should be a resident of UAE.
  • Should be a minimum of 21 years old.
  • Should have a good credit score.

How to Apply for HSBC Credit Card?

An applicant can apply for the HSBC credit card through any of the ways given below:

  • Online Applications: Interested people can apply for any of the desired HSBC credit cards through the official website of the bank.
  • Offline Applications: The applicants can visit the nearest bank branch and directly apply for the HSBC credit card.
  • Through phone: The applicants also have an option of phone banking to connect with the bank and apply for the HSBC credit card.

Fees & Charges of HSBC Credit Cards

Following is the schedule of charges for HSBC credit cards in UAE:

Types of Charges 

HSBC Black Credit Card

HSBC Cashback Credit Card

HSBC Max Rewards Credit Card

HSBC Cash+ Credit Card

Annual Fee of Primary Card

AED 1.500

Free for First Year

Free for First Year

Free for First Year

Retail Interest Rate

3.24%

3.45%

3.45%

3.45%

Supplementary Credit Card Fee

Free

First two cards free

 

AED 50 from third supplementary credit card

Free

Free

Cash Withdrawal Fee

3% of the total amount or AED 100 (higher of the two will apply)

Over Limit Charge

Free

AED 250

AED 250

AED 250

Foreign Currency Transaction Fee

2% of the transaction amount

Late Payment Charge

AED 230

HSBC Credit Card Loan - Eligibility, Interest Rate, & More

Terms and Conditions for HSBC Credit Card Offers

  • The offer is applicable on HSBC credit cards applied for before December 31st 2022. 
  • The minimum spend of AED 5,000 shall be met within 60 days (spend period) of credit card activation. 
  • The offer is applicable for primary HSBC credit cards only. 
  • Cardholders can avail of this offer only once. 
  • The credit card account must not be closed within 180 days of activation. The cardholder will be liable to repay the cashback amount if the credit card account is closed before the stipulated duration is covered. 
  • Minimum payments shall be made for the spend period to avail of this offer. 

FAQs on HSBC Credit Cards

What is the minimum salary requirement for an HSBC credit card?

The minimum monthly salary requirement starts at AED 8,000 for HSBC cards in the UAE. You can visit our credit cards section to check the minimum income requirement for a specific HSBC Credit Card.

Is there any interest charged on my HSBC credit card?

The HSBC credit card UAE gives a maximum of 56 no-interest period provided you continue to pay the outstanding amount in full, by the due date of payment.

Can I convert my credit card purchases into monthly installments?

Yes, you can easily convert your credit card purchases into monthly installments at 0 percent interest rate.

What is the minimum spend required to avail cashback?

There is no minimum spend required to avail cashback with your HSBC cashback credit card. Although minimum spend condition will be applicable for special cashback offers.

Is it mandatory to provide signed security cheque?

Yes, it is a mandatory document.

Are there any charges applicable on credit shield?

Yes, 0.625 percent of the outstanding amount balance is charged as credit shield charges.

Are the HSBC cashback supplementary credit cards provided for free?

The first two supplementary HSBC Cashback credit cards are free, from the third card 50 AED is charged per supplementary card.

Can I avail Agoda discount globally?

You can avail Agoda discounts with over 985000 vacation rentals & hotels worldwide.

What is Air Mile program?

It is basically a loyalty program of HSBC UAE credit card that rewards its card member with Air Miles every time they make payment using their HSBC credit card.

Can I avail Air Miles on HSBC supplementary card?

Yes, you can avail air miles on your supplementary card as well.

Is there any fee for cash withdrawals?

You have to pay 100 AED or 3% of the withdrawal amount as cash withdrawal fee,  percent whichever is greater.

What credit score do you need for an HSBC credit card?

A minimum credit score of 750 is required to apply for an HSBC credit card. However, if your credit score ranges between 650 to 750, you may get an HSBC credit card but with a reduced credit limit. You may also need to go through some extra documentation in this case.

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