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HSBC UAE

Earn extra Skywards Miles on every eligible spend and even more travel and lifestyle benefits.

Annual fee
AED 2,625
Min income
AED 30,000
Best earn rate
2.75 MilesTravel General
Apply nowCompare card

Sources and verification

What this card page is based on

We show source links where we have them. If a field is missing, not verified, or changed by the bank after our last check, the official bank terms should be treated as the final source.

Last verified
Not verified yet
Latest source fetch
14 Sep 2026
Card termsPricing termsRewards termsTravel General reward source

Rewards

Rates by category

Listed earn rates, spend bands, and caps from the latest source-backed rules for this card.

Categories
2
Best rate
2.75%
Top cap
AED 0
TG

Travel General

Up to 2.75 Miles

Spend tier

Published reward rule

Rate

2.75 Miles/AED

Cap

No cap listed

Get 2.75 Skywards Miles on direct bookings with Emirates and flydubai in AED.

Source

Spend tier

Published reward rule

Rate

1.00 Miles/AED

Cap

No cap listed

Get 1 Skywards Miles on AED transactions.

Source

Spend tier

Published reward rule

Rate

0.25 Miles/AED

Cap

No cap listed

Get 0.25 Skywards Miles on government services, public transport, utilities, telecoms, education, real estate, fuel, groceries and supermarkets, insurance and auto dealers (AED).

Source
FC

Foreign Currency

Up to 1.50 Miles

Spend tier

Published reward rule

Rate

1.50 Miles/AED

Cap

No cap listed

Get 1.5 Skywards Miles on non-AED transactions.

Source

Partner offers and other perks

These are discounts, welcome bonuses, or financing offers. They are not card earn rates and are not used in the Optimiser or directory headlines.

  • Get 20,000 sign-up bonus Skywards Miles when you pay your annual card fee. Get another 30,000 welcome spend Skywards Miles when you spend a minimum of AED 50,000 in eligible spends in the first 60 days.

    Stored as 20.00 miles_per_usd · Travel General

  • Save up to 30% on a range of Samsung products, including phones, laptops, TVs and more.

    Stored as 30.00% · Default

  • Get up to 7% back as wallet credits with Booking.com accommodations when you book on your credit card.

    Stored as 7.00% · Default

  • Enjoy Buy 1 Get 1 Free movie tickets every month, plus 20% off food and drinks at cinemas across the UAE. The Cinema Buy 1 get 1 offer is only at Vox, Reel and Roxy Cinemas in the UAE when you book online.

    Stored as 20.00% · Default

  • Get up to 50% off dining bills at over 4,000 restaurants across the UAE with your complimentary Zomato Gold membership.

    Stored as 50.00% · Dining

  • Get 2GB free data roaming, plus 15% off additional data packages, with Airalo.

    Stored as 15.00% · Travel General

Benefits

Travel

Airalo Data Roaming

Travel

Get 2GB free data roaming, plus 15% off additional data packages, with Airalo.

Partner: Airalo

Airport Lounge Access

Lounge Access

Unlimited complimentary access to over 1,200 airport lounges worldwide for you and a guest when you make at least 1 international purchase worth USD 1 once every calendar year with your HSBC Visa card 15 days before you travel. To enjoy unlimited visits, you must complete at least one international purchase with your card for a minimum value of USD 1 with your HSBC credit card 15 days before you travel. This doesn't apply to the first 2 lounge visits in the year, but later visits will be charged to your card if the condition isn't met. You'll need the Visa Airport Companion app to access your airport lounge benefits.

Conditions: Minimum USD 1 international purchase 15 days before travel for unlimited access after first 2 visits

Lounge: over 1,200 airport lounges worldwideProgram: Visa Airport Companion

Lifestyle

Careem Plus Complimentary Subscription

Membership

Get a complimentary 12-month Careem Plus subscription. Simply add and use your HSBC Emirates Skywards Signature credit card on the Careem app.

Partner: CareemProgram: Careem Plus

Beach Club Access

Lifestyle

Get 3 complimentary visits a month to premium beach clubs across the UAE.

Conditions: 3 complimentary visits per month

Service Area: UAE

home&Away Offers

Lifestyle

Get deals on shopping, travel, dining and more worldwide with home&Away.

Service Area: Worldwide

Rewards

Skywards Living Accelerated Miles

Points Earning

Accelerate your Skywards Miles earning with Skywards Living. Pay with your HSBC Emirates Skywards Credit Card with Emirates Skywards partners and multiply your Miles earning.

Partner: Emirates Skywards partnersProgram: Skywards LivingProgram: Emirates Skywards

Sign-up and Welcome Spend Skywards Miles

Welcome Bonus

Get 20,000 sign-up bonus Skywards Miles when you pay your annual card fee. Get another 30,000 welcome spend Skywards Miles when you spend a minimum of AED 50,000 in eligible spends in the first 60 days

Conditions: Offer valid from 1 October 2024 to 31 August 2026 inclusive

Program: Emirates Skywards

Airline Miles

Skywards Everyday App

Rewards

Make your everyday activities more rewarding. Choose from hundreds of partners across shopping, dining, grocery and more. Simply link your payment card and start earning Miles seamlessly.

Conditions: Link payment card to Skywards Everyday app

Program: Emirates SkywardsProgram: Skywards Everyday

Skywards Miles Mall

Rewards

Earn Miles on online shopping across food, fashion, electronics and more. Log on to skywardsmilesmall.com and shop with over 3,300 UAE, UK, US, Australian and Indian brands.

Conditions: Shop through skywardsmilesmall.com

Program: Skywards Miles MallProgram: Emirates Skywards

Emirates Skywards Hotels

Rewards

Earn up to 12,500 Skywards Miles every night of your stay at over 400,000 hotels in over 900 destinations worldwide. Plus earn 25% bonus Miles when paying with your HSBC Emirates Skywards Signature Card.

Conditions: Book and stay at participating hotels

Program: Emirates Skywards

Skywards Miles Redemption

Redemption

Your Skywards Miles can be redeemed directly at www.emirates.com against a variety of rewards, including flight tickets, upgrades and more, subject to availability.

Conditions: Redeem at www.emirates.com

Partner: EmiratesProgram: Emirates Skywards

Skywards Living Double Miles

Rewards

Pay with your HSBC Emirates Skywards credit card with the Skywards Living partners and earn Miles twice on the same spend

Conditions: Payment at Skywards Living partner merchants

Partner: Skywards LivingProgram: Emirates SkywardsProgram: Skywards Living

Airline Status

Emirates Silver Tier Membership

Status

Enjoy complimentary Emirates Silver Tier membership with exclusive benefits. If you aren't an existing Silver Tier member, you'll be upgraded to Silver. We'll renew your Emirates Skywards Silver Tier status every year providing you meet the HSBC Emirates Skywards Infinite Credit Card Terms.

Program: Emirates Skywards

Airport Lounge

Unlimited Airport Lounge Access

Lounge Access

Unlimited complimentary access to over 1,200 airport lounges worldwide for you and a guest when you make at least 1 international purchase worth USD 1 once every calendar year with your HSBC Visa card 15 days before you travel.

Conditions: Must complete at least one international purchase for a minimum value of USD 1 with your card 15 days before you travel. This doesn't apply to the first 2 lounge visits in the year, but later visits will be charged to your card if the condition isn't met. You'll need the Visa Airport Companion app.

Service Area: Worldwide

Airport Services

YQ Meet & Assist

Travel

Save up to 30% on Airport Meet & Assist at over 450 locations worldwide.

Service Area: Over 450 locations worldwidePartner: YQ

Cinema

Cinema Offers

Entertainment

Enjoy Buy 1 Get 1 Free movie tickets every month, plus 20% off food and drinks at cinemas across the UAE. The Cinema Buy 1 get 1 offer is only at Vox, Reel and Roxy Cinemas in the UAE when you book online.

Conditions: You'll need to spend at least AED 10,000. If you don't meet the minimum spend, you'll be charged the cost of the free ticket. Qualifying spend includes primary and supplementary cardholders.

Service Area: UAEPartner: Vox CinemasPartner: Reel CinemasPartner: Roxy Cinemas

Dining

Zomato Gold Membership

Dining

Get up to 50% off dining bills at over 4,000 restaurants across the UAE with your complimentary Zomato Gold membership.

Partner: Over 4,000 restaurantsService Area: UAEPartner: ZomatoProgram: Zomato Gold

Entertainment

Cinema Buy 1 Get 1 Free Offer

Entertainment Discount

Enjoy Buy 1 Get 1 Free movie tickets every month, plus 20% off food and drinks at cinemas across the UAE. If you're an HSBC Emirates Skywards Infinite cardholder, you'll need to spend at least AED 10,000. If you don't meet the minimum spend, you'll be charged the cost of the free ticket.

Conditions: Minimum AED 10,000 monthly spend required. Book online only.

Partner: Vox CinemasPartner: Reel CinemasPartner: Roxy CinemasService Area: UAEPartner: VoxPartner: ReelPartner: Roxy

Hotel

Visa Luxury Hotel Collection

Hotel

Stay at luxury hotels worldwide with Visa Luxury Hotels, and get best rate guarantees, room upgrades, complimentary breakfast and more.

Service Area: WorldwidePartner: Visa Luxury Hotel Collection

Booking.com Discounts

Travel

Get up to 7% back as wallet credits with Booking.com accommodations when you book on your credit card.

Partner: Booking.com

Retail Discount

Samsung Discounts

Shopping

Save up to 30% on a range of Samsung products, including phones, laptops, TVs and more.

Partner: Samsung

Rewards Earning

Emirates and flydubai Direct Bookings Earn Rate

Rewards Earning

Get 2.75 Skywards Miles on direct bookings with Emirates and flydubai in AED

Conditions: Direct bookings with Emirates and flydubai in AED

Partner: EmiratesPartner: flydubaiProgram: Emirates Skywards

Non-AED Transactions Earn Rate

Rewards Earning

Get 1.5 Skywards Miles on non-AED transactions

Conditions: Non-AED transactions

Program: Emirates Skywards

AED Transactions Earn Rate

Rewards Earning

Get 1 Skywards Miles on AED transactions

Conditions: AED transactions

Program: Emirates Skywards

Dubai Mall Miles Earning

Rewards Earning

Choose from over 1,300 shops and 200 dining and entertainment outlets. Earn even more Miles when you shop at a Skywards Everyday partner at Dubai Mall.

Conditions: Shop at Dubai Mall

Partner: Dubai MallPartner: Skywards Everyday partnersProgram: Emirates Skywards

Low Earn Rate Categories

Rewards Earning

Get 0.25 Skywards Miles on government services, public transport, utilities, telecoms, education, real estate, fuel, groceries and supermarkets, insurance and auto dealers (AED)

Conditions: Transactions in AED for: government services, public transport, utilities, telecoms, education, real estate, fuel, groceries and supermarkets, insurance and auto dealers

Program: Emirates Skywards

Rewards Miles

No Miles Expiry

Rewards Feature

The Skyward Miles you earn with the card won't expire for as long as your Emirates Skywards account and credit card are open.

Conditions: Miles won't expire as long as your Emirates Skywards account and HSBC Emirates Skywards Infinite Credit Card remains open.

Skywards Miles on AED Transactions

Rewards Earning

Get 1 Skywards Miles on AED transactions.

Welcome Skywards Miles Bonus

Sign Up Bonus

Get 20,000 sign-up bonus Skywards Miles when you pay your annual card fee. Get another 30,000 welcome spend Skywards Miles when you spend a minimum of AED 50,000 in eligible spends in the first 60 days.

Conditions: Spend AED 50,000 in the first 60 days for the 30,000 welcome spend Miles.

Skywards Miles on Non-AED Transactions

Rewards Earning

Get 1.5 Skywards Miles on non-AED transactions.

Skywards Miles on Other Spends

Rewards Earning

Get 0.25 Skywards Miles on government services, public transport, utilities, telecoms, education, real estate, fuel, groceries and supermarkets, insurance and auto dealers (AED).

Skywards Miles on Flight Bookings (Emirates/flydubai)

Rewards Earning

Get 2.75 Skywards Miles on direct bookings with Emirates and flydubai in AED.

Partner: EmiratesPartner: flydubai

Travel Insurance

Multi-Trip Travel Insurance

Insurance

Complimentary cover of up to USD 500,000 for you and your family on all trips up to 90 days, including a certificate of insurance.

Welcome Bonus

Welcome Cashback Offer

Cashback

Receive up to AED 2,500 cashback when you get an HSBC Skywards Infinite Credit Card. Plus, get AED 100 cashback when you add your card to a mobile wallet and use it to make a payment.

Conditions: Available on primary card only. You can't have a primary card when you apply or in the 6 months before applying. Offer ends 31 May 2026.

Program: HSBC Welcome Offer

Active promotions

No verified active promotions yet.

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