Life can be rewarding with the HSBC Visa Cashback Credit Card as it provides the guaranteed cashback on any transaction made with the card. This HSBC credit card allows its cardholder to earn up to 10 percent cashback. In addition to providing amazing cashback, this card offers several other benefits on online spends, retail products, hypermarket, fuel, and all other spends. Therefore, this HSBC cash back credit card provides its cardholders amazing saving opportunities while spending.
The HSBC Visa Cashback Credit Card comes with a wide range of amazing and unique features. Here is a list of all of them:
Annual Fee: There is no annual fee will be charged on the HSBC Visa Cashback Credit Card for the first year. From the second year onwards, the annual fee will be waived on this card provided the cardholder spends a minimum of AED 12000 in the previous 12 months either domestically or internationally. If the cardholder does’t meet the minimum spend, he/she will have to pay the annual fee of AED 299 (AED 313.95 inclusive of VAT) in the thirteenth month and annually thereafter where applicable.
Cash Installment Plan (CIP): The cardholder can enjoy easy and convenient access to cash through the total limit of their HSBC cash back credit card with CIP. Therefore, they can easily make big credit card purchases with this card and convert it into easy monthly installments. Cardholders have an option to choose from repayment terms of six, twelve, or twenty-four months at the lowest interest rates of 0.75 percent per month.
Flexi Installment Plan: With this plan, cardholders can purchase anything with their HSBC cash back credit card and pay in easy to pay monthly installments with as low as zero percent interest.
Balance Transfer: The cardholder can transfer the balance from any other bank’s credit card to HSBC Visa Cashback Credit Card account and he/she can enjoy 0% interest for the first twenty-four months.
Supplementary Card: Cardholders can share a number of benefits of the HSBC Visa Cashback Credit Card with their family & friends as it offers supplementary cards. HSBC offers an unlimited number of free supplementary HSBC Visa Cashback Credit Cards.
Online & Mobile Banking: This card provides the online banking access that allows cardholders to transfer money, view monthly statements of the credit card, set up standing instructions, and a lot more. In addition to this, members of this card can also use the ‘Mobile Banking App’ in order to view their transactions, account details, and to stay updated about all credit card offers.
No Interest Period: Card members can enjoy no interest period on all credit card purchases for up to ‘fifty-six’ days, provided they have paid their outstanding amount in full.
Chip & PIN Technology: The microchip advanced technology and a unique six-digit Pin authentication number of this HSBC cash back credit card ensures absolute security. Best of all, it makes online shopping experience hassle-free and provides protection against any kind of fraud.
Contactless Payments: The HSBC Visa Cashback Credit Card is eligible for card-less purchasing mobile apps namely Apple Pay and Samsung Pay. Members of this HSBC credit card just need to store their credit card on their Smartphone and they can easily pay at participating vendors through the Apple Pay and Samsung Pay. With this advanced contactless payment technology, card members can pay is safe, easy, and private ways utilizing devices that they use in their everyday life.
Credit Card Payment: Cardholders of the HSBC credit card can pay off their credit card bill by using any of the following ways:
At any ATMs or branches of HSBC all over the UAE.
Through cheque deposit at the HSBC cheque deposit machines situated across HSBC customer service unit or HSBC branches.
Through any other bank’s online banking platforms by transferring money to the credit card account of HSBC.
All those customers who already have an account in HSBC, they can use other additional options to pay off their credit card bill such as online and mobile banking of HSBC or HSBC call center.
Reward Features
Earn Cashback
The cardholder can earn 10% cashback on all fuel spends in the UAE. Please note that any Cashback for Fuel will be limited to a maximum cashback of AED 100 per statement cycle.
The cardholder can earn 5% cashback on all Hypermarket spends in the UAE. Please note that any Cashback for Fuel will be limited to a maximum cashback of AED 200 per statement cycle.
The cardholder can earn 1.5% cashback on all foreign currency spends
The cardholder can earn 1.5% cashback on all online transactions
The cardholder can earn 0.5% cashback on all other retail transactions in the UAE.
Cashback calculator
No minimum spend is required
The card member can enjoy up to 10 percent cashback on spends
Automatic credit of cashback every month
No maximum limits on total cashback earned
Benefits of the HSBC Visa Cashback Credit Card
Packed with a wide range of benefits, offers, and rewards, the HSBC Visa Cashback Credit Card redefines the lifestyle of the cardholders while giving them a truly rewarding experience. Given below are some of the main benefits of this cash back credit card:
Privileges & Rewards
Entertainment & Dining Benefits: With this HSBC cash back credit card, cardholders can enjoy the below-mentioned entertainment & dining benefits:
HSBC Entertainer Mobile App: By downloading the HSBC Entertainer Mobile App, the cardholder can get access to various exciting offers & privileges. Whether he/she feels like having Mexican food, getting a massage at a 5-star hotel, or taking a break from work with a scuba dive, the member of this HSBC credit card get the wide range of offers on their phone through this app. Best of all, this app is free and provides the following benefits:
The member of this credit card can get instant access to more than 8000 “buy one, get one free” offers across 15 countries England, Bahrain, Egypt, Cyprus, Jordan, Kuwait, Hong Kong, Oman, Saudi Arabia, Qatar, Malaysia, South Africa, Singapore, and United Arab Emirates.
The cardholder, as well as his/her family member, can enjoy these offers.
Timeout & Golf Access Programme: With this programme, the cardholder can enjoy more than 200 offers including dining, accommodation, retail, and more across the MENA region.
Visa Golf Access Programme: This is truly a unique programme. Cardholders of this HSBC credit card are given amazing discounts at selected golf clubs across the Middle East, UAE, and North Africa. Moreover, these discounted offers are generally related to pro-shop sales and green fees, and in some cases, they are even extended to food & beverages purchases.
Free Movie Tickets: The cardholder can use this HSBC credit card to purchase movie tickets online at any VOX Cinema in the UAE and get another movie ticket free. In addition to this, card members can get enjoy a 50% discount on movie tickets when booked on Saturdays with VOX Cinemas across the UAE.
Travel Benefits: Besides offering lifestyle and entertainment benefits, this HSBC cash back credit card several travel benefits to its cardholders. Following are the travel benefits offered by this card:
Special Offers Abroad: No matter wherever the card member is in the world, he/she can enjoy exclusive offers on dining, shopping, leisure, and entertainment at 19000 outlets across 160 countries.
‘Dragon Pass’ Dine & Fly Programme: Members of this HSBC cash back credit card can avail of airport dining privileges and offers at more than 200 locations across the globe under the ‘Dragon Pass’ Dine & Fly Programme. In order to begin redeeming, they need to download the mobile app of Dine & Fly and complete the registration process in order to get the digital membership card. After that, simply search for a participating restaurant and reference “DragonPass” to the staff of the restaurant and then click on the redeem option to get the discount.
Discounts on Careem Ride: This HSBC credit card in UAE offers 15 percent discount on four Careem rides per month for existing users of Careem. To avail of this offer, card members can use the ‘HSBC’ promo code.
Protection
Purchase Protection: Shop above USD 100 with this HSBC credit card and be automatically protected against theft or accidental damage within one year from the date of purchase up to a maximum of USD 20000 annually. Up to USD 5000 or any occurrence and up to a maximum of USD 20000 in a year per card member. The purchase protection is offered by MasterCard International in association with American Home Assurance Company.
Credit Shield Plus: As of now credit shield plus is currently not available for new card members. However, all those cardholders who already have credit shield plus insurance cover on their credit card will not be impacted and they will continue to have the advantage of this insurance cover. Well, credit shield plus is an optional insurance cover that the card member can opt for if he/she has an HSBC credit card issued by HSBC Bank Middle East Limit in the UAE.
Credit Shield Plus offers insurance coverage for the situations where the cardholder is unable to pay off their debt in the unfortunate event of:
Natural death
Critical illness
Permanent total disability
Temporary total disability (for self-employed card members only)
Involuntary loss of employment (for salaried card members only)
The monthly premium for Credit Shield Plus (CSP) will be 0.60 percent of the monthly outstanding amount on the HSBC credit card. If card members don’t have any outstanding amount on their HSBC cash back credit card statement date then they would be no fee for CSP.
*Please note that the credit Shield Plus is offered by American Life Insurance Company (MetLife).
Extended Warranty: The card member can avail an extended warranty of 24 months of manufacturer’s or retailer’s warranty on many products that are purchased from this HSBC cash back credit card.
HSBC Visa Cashback Credit Card Eligibility
The basic eligibility to apply for HSBC Visa Cashback Credit Card is given below:
To be eligible for this HSBC credit card, the minimum age of the applicant must be 21 years while the maximum age should be 65 years.
Only salaried individuals can apply for the HSBC Visa Cashback Credit Card
To get an HSBC Visa Cashback Credit Card, the applicant must earn a minimum monthly salary of AED 5000.
*Important Note: No account with HSBC is required to apply for this HSBC cash back credit card.
HSBC Visa Cashback Credit Card Offers
The HSBC Visa Cashback Credit Card grants a wide range of offers on dining, travel, and entertainment to its card members. Few of them are given below:
Welcome offer: Get AED 300 cashback when you apply for a Cashback Credit Card today. T&C Apply
Some top reasons to get this HSBC cash back credit card are discussed below:
1. Family Cards
The cardholder can apply for supplementary HSBC Visa Cashback Credit Card for his/her family members including siblings, parents, spouse, and children. Not only this, member of this HSBC credit card can share the amazing benefits of this card with their friends as well. Best of all, supplementary HSBC Visa Cashback Credit Card are offered at no cost. Therefore, the cardholder can avail an unlimited number of free supplementary cards.
2. Balance Transfer
Balance Transfer is the most amazing feature of this HSBC credit card wherein the cardholder can transfer the outstanding balance from other credit card to the HSBC Visa Cashback Credit Card and repay in easy monthly installments.
3. Cashback
As named as HSBC Visa Cashback Credit Card, this card is specially designed to maximize saving while spending. Members of this HSBC cash back credit card can enjoy up to 10 percent cashback on their everyday spends. The cashback will be automatically credit to their account every month. Above all, there is no minimum spending required to enjoy cashback.
4. Contactless Payment Technology
Members of this HSBC credit card can use the new and advanced pay of payment i.e. Apple Pay & Samsung Pay. It is not only the fastest, easiest, and simplest way of doing payments but also it is accepted everywhere.
Fees & Charges of HSBC Visa Cashback Credit Card
Following are the fees & charges associated with the HSBC Visa Cashback Credit Card:
Types of Charges
Charges
Annual fee of the Primary Card
Free for the first year and from the second year onwards waiver subject to minimum spending on the card. If the cardholder doesn’t meet the minimum spend, he/she will have to pay the annual fee of AED 299 (AED 313.95 inclusive of VAT)
Annual fee of the Supplementary Cards (shared limit)
Free
Finance charges/interest on retail purchases
3.25% per month
Finance charges/interest on cash withdrawals
3.25% per month
Cash withdrawal/advance charges
3% (3.15% inclusive of VAT) of the total amount or AED 100 (AED 105 inclusive of VAT), whichever is greater
Charges of card replacement
Free
Late Payment Charges
AED 230
Over Limit Charges
AED 250 ( AED 262.5 inclusive of VAT)
Charges of Returned Cheque
AED 100
Retrieve a copy of sales slip
AED 25 ( AED 26.25 inclusive of VAT)
Dispute verification Charges
AED 100 (AED 105 inclusive of VAT)
Foreign Currency Processing Fee(Applicable on all the transactions that are not in the billing currency)
2% (2.1% inclusive of VAT) of the foreign currency transaction amount as converted into the billing currency
Credit Shield Plus
0.60% of the outstanding amount
Charges of credit card paper statement
AED 10 (AED 10.50 inclusive of VAT) per statement
Service charges of urgent delivery of the credit card
AED 100 (AED 105 inclusive of VAT)
Liability Letter Charges
AED 50 (AED 52.5 inclusive of VAT)
No Liability Certificate Charges
AED 50 (AED 52.5 inclusive of VAT)
Balance Transfer (BT) Fee
For 6 months – 1.50% (1.58% inclusive of VAT) of BT or AED 100 (AED 105 inclusive of VAT), whichever is greater
For 12 months - 3% (3.15% inclusive of VAT) of BT or AED 100 (AED 105 inclusive of VAT), whichever is greater
For 24 months - 6% (6.30% inclusive of VAT) of BT or AED 100 (AED 105 inclusive of VAT), whichever is greater
Cash Instalment Plan (CIP)
Reducing balance interest p.m. – 0.75% to 1.25%. However, the interest rate will be dependent on the individual circumstances
Early settlement charges –AED 0
Charges of CIP – AED 0
Flexi Installment Charges (FIP)
Reducing balance interest p.m. – 0%
Flexi Installment Plan Charges – Up to 2% (2.10% inclusive of VAT) of the purchase amount
Early settlement charges –AED 0
Valet Parking Services in specific locations
N/A
How To Apply For HSBC Visa Cashback Credit Card?
An applicant can apply for HSBC credit card in UAE by visiting any HSBC branch, submitting an online application or via phone.
Online Applications
The easiest way of applying for an HSBC Credit Card is through online. An applicant is simply required to visit the official website of HSBC and click on the personal banking tab from the top bar. From the personal banking section, click on the credit cards, apply for the HSBC Visa Cashback Credit Card. Now the applicant is required to fill in the essential details in the application form and provide all the essential details along with it. Then, he/she need to submit the application form. Upon successful submission, the HSBC representative will call the applicant within 3-5 working days.
Offline Applications
Alternatively, an applicant can visit the nearest HSBC branch and apply directly for the HSBC Visa Cashback Credit Card.
Apply through phone
Applicants have also an option to apply for this HSBC credit card through the phone. They can contact an HSBC representative via phone on:
a.) 600 55 4722 within UAE, and
b.) +971 422 88 007 outside the UAE
Documents Required To Apply For HSBC Visa Cashback Credit Card
An applicant is required to submit the following documents for completing the HSBC Visa Cashback Credit Card application:
A valid Emirates ID
Original Passport
Valid resident Visa (It is required for non-GCC national applicants only)
UAE residency proof
Security Cheque (Signed)
Original salary transfer letter from the employer/original income certificate issued in the last month/ two income credits into an HSBC account.
Original bank statements of the last two months. The bank statements should be of that account where the applicant’s income or salary is credited every month.
Q1: What is the credit limit on the HSBC Visa Cashback Credit Card?
Ans: The credit limit on HSBC Visa Cashback Credit Card will be communicated to you by HSBC at the time of card issuance. However, you can also find it in your credit card statement which is generated every month.
Q2: How can I pay my HSBC Visa Cashback Credit Card bill payment?
Ans:You can easily pay your HSBC credit card bill using any of the ways given below:
At any ATMs or branches of HSBC all over the UAE.
Through cheque deposit at the HSBC cheque deposit machines situated across HSBC customer service unit or HSBC branches.
Through any other bank’s online banking platforms by transferring money to the credit card account of HSBC.
All those customers who already have an account in HSBC, they can use other additional options to pay off their credit card bill such as online and mobile banking of HSBC or HSBC call center.
Q3: What is a Flexi Installment Plan?
Ans:This is a repayment plan that allows you to repay one of your purchases from an eligible merchant by monthly installments over a pre-determined period of time at 0% interest.
Q4: What is the minimum spend required to enjoy cashback with this HSBC cash back credit card?
Ans:To enjoy cashback, there is no minimum spend required. You will definitely get the cashback on your every retail spend. So, use this card to maximize savings while spending.
Q5: How can I close my HSBC credit card account?
Ans:You can follow any options that are given below in order to close your HSBC credit card:
You can submit the credit card closure request through the HSBC Internet Banking. All you need to login to your account by entering your ‘User ID’ and ‘password’ and then you can initiate the process.
You can also contact HSBC representative through phone and then register a credit card closure request
Else, you can submit a request at any of the HSBC branches
Do not forget to cut your card into pieces, post-submission of your credit card closure request.
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