HSBC Credit Cards

HSBC UAE credit card interest is capped at 3.45% per month (the UAE Central Bank limit). The exact rate varies by card and customer profile — check your card's Schedule of Fees on hsbc.ae for the published rate.

HSBC UAE cards earn rewards in different formats: HSBC Cash Plus earns cashback, Live Plus and Max Rewards earn Reward Points convertible to vouchers and partner programmes, and Premier Air Miles earns air miles. Points typically don't expire as long as the card stays active.

HSBC Premier Air Miles is the card available to HSBC Premier banking customers — a wealth-banking tier requiring AED 1M in qualifying balances or an AED 35,000+ monthly salary. Benefits include air miles earning, unlimited Priority Pass lounge access, premium travel insurance, and dedicated relationship banking.

HSBC Premier Air Miles includes unlimited Priority Pass airport lounge access for the cardholder. Selected lower tiers (HSBC Platinum Select, Max Rewards) include a limited number of complimentary lounge visits per year — confirm the count on each card.

HSBC UAE credit card cash advances typically charge a 3% fee with an AED 100 minimum. Interest accrues from the transaction date with no grace period. Most ATMs accept HSBC cards; daily cash withdrawal limits are usually 30-50% of the total credit limit.

HSBC Advance is the credit card tied to HSBC Advance banking — a mid-tier relationship banking package for career professionals, typically requiring AED 15,000+ monthly salary. It includes preferential rates, Advance current account, and a credit card matched to the tier.

Compare HSBC UAE credit cards by annual fee, minimum salary, rewards type (cashback vs points vs air miles), lounge access, and Premier or Advance banking tie-in. HSBC Cash Plus is the entry cashback option from AED 8,000; Premier Air Miles is the top tier from AED 35,000.