HSBC UAE
A simple credit card with zero fees and plenty of rewards
Sources and verification
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.
Rewards
Listed earn rates, spend bands, and caps from the latest source-backed rules for this card.
Up to 1.00 Points
Spend tier
Published reward rule
Rate
1.00 Points/AED
Cap
No cap listed
Automatic extended warranty on purchases you make in full with your card. It doubles the original manufacturer's warranty for up to 1 year. Offered by Visa International.
SourceThese are discounts, welcome bonuses, or financing offers. They are not card earn rates and are not used in the Optimiser or directory headlines.
Enjoy 0% interest on your purchases for the first 3 months. To benefit from the 3 months no fee period, you must make the minimum payment by the due date. The 3 months no interest period is only available for new HSBC credit cardholders.
Stored as 0.00% · 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
Balance Transfer
Finance
Transfer balances from your other credit cards with no processing fees or early repayment fees. Terms apply.
Conditions: Terms apply
Digital Cards
Convenience
Add your HSBC UAE cards to your digital wallet for instant contactless purchases. You don't even need to wait for them to be delivered - just access your card details in the HSBC UAE app.
Conditions: Available through HSBC UAE app
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
Conditions: Complimentary 12-month membership
Dining Discounts
Discount
Get discounts at over 400 restaurants across the UAE when you pay with your credit card
No Added Fees
Fee Waiver
Pay zero fees for annual membership, going over your credit limit and withdrawing cash
0% Interest on Purchases
Promotional Interest
Enjoy 0% interest on your purchases for the first 3 months
Conditions: To benefit from the 3 months no fee period, you must make the minimum payment by the due date. Otherwise, the applicable interest rate as set out in Schedule of Services and Tariffs will apply. The 3 months no interest period is only available for new HSBC credit cardholders.
Visa Luxury Hotels
Travel
Stay at luxury hotels worldwide with Visa Luxury Hotels, and get best rate guarantees, room upgrades, complimentary breakfast and more
Conditions: Available at participating Visa Luxury Hotels
Interest Free Days
Finance
Enjoy no interest on purchases for up to 56 days when you pay your monthly balance in full
Conditions: Must pay monthly balance in full
home&Away
Lifestyle
Get deals on shopping, travel, dining and more worldwide with home&Away
Conditions: Available worldwide
0% Interest Introductory Offer
Finance
Enjoy 0% interest on your purchases for the first 3 months. To benefit from the 3 months no fee period, you must make the minimum payment by the due date. The 3 months no interest period is only available for new HSBC credit cardholders.
Conditions: New HSBC credit cardholders only, must make minimum payment by due date
Purchase Protection
Insurance
Shop confidently knowing your purchases are protected in full against theft or damage. Buyers Protection is offered by Visa International.
Conditions: Offered by Visa International
Extended Warranty
Insurance
Automatic extended warranty on purchases you make in full with your card. It doubles the original manufacturer's warranty for up to 1 year. Offered by Visa International.
Conditions: Purchases made in full with card
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Ready when you are
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→ Salary-transfer bonuses worth switching for
→ Perks that replace memberships you already pay for