HSBC UAE credit card interest rates are capped at 3.45% per month (the UAE Central Bank limit). Specific rates vary by card and customer profile — confirm the rate on your card's Schedule of Fees on hsbc.ae.
Best HSBC Credit Cards in the UAE
Compare HSBC UAE credit cards: Cash Plus (cashback), Live Plus (lifestyle), plus FAQs on the Premier and Advance banking tiers, lounge access, and rewards.
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HSBC
HSBC Cash+ Credit Card
≈ AED 3,600 potential value / year
1% cashback every day on all your purchases, with no minimum spend or earning caps
10% bonus cashback each month, quarter and year on top
Complimentary Careem Plus subscription
HSBC
HSBC Live+ Credit Card
≈ AED 8,264 potential value / year · incl. perks
Up to AED 800 welcome cashback
6% dining cashback
5% fuel cashback
Best HSBC Credit Cards in the UAE compared
A side-by-side snapshot of annual fees, salary requirements, and standout benefits.
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| Paid | AED 8,000 | Cashback-focused HSBC card for everyday UAE spending |
| Paid | AED 8,000 | Lifestyle rewards across dining, entertainment, and travel |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| Paid | AED 8,000 | Cashback-focused HSBC card for everyday UAE spending |
| Paid | AED 8,000 | Lifestyle rewards across dining, entertainment, and travel |
August Spotlight
Emirates NBD
Three Emirates NBD credit cards spanning everyday rewards to premium travel — the ENBD noon One Visa Card earns up to 20% back as noon Credits on noon Food with no annual fee, the ENBD Voyager World Credit Card earns 6 Voyager Miles per AED 1 on the Voyager Travel Portal with complimentary airport lounge access, and the premium ENBD Voyager World Elite doubles that to 12 Voyager Miles per AED 1 with added airport transfers and fast-track privileges.
4.1/5
EMIRATES NBD
ENBD noon One Visa Credit Card
- Salary: AED 5,000+
- No Annual Fee
- Welcome Bonus: AED 500 when you spend AED 5,000 in the first two months
- Get 20% back as noon credits when you spend on noon food
- Get 5% back as noon credits when you spend on noon
3.9/5
EMIRATES NBD
ENBD Voyager World Credit Card
- Salary: AED 12,000+
- 75,000 Miles after AED 35,000 spend
- No Annual Fee
- 6 Voyager Miles on every AED spent on Voyager Travel Portal
- 3 Voyager Miles on every AED spent on other travel bookings
EMIRATES NBD
ENBD Voyager World Elite Credit Card
- Salary: AED 25,000+
- 150,000 Miles after AED 70,000 spend
- No Annual Fee for the first year
- 12 Voyager Miles on every AED spent on Voyager Travel Portal
- 6 Voyager Miles on every AED spent on other travel bookings
Why choose HSBC Credit Cards in the UAE
1.
HSBC Premier ecosystem
HSBC Premier banking customers (AED 1M+ wealth or AED 35,000+ salary) get the Premier Air Miles card with unlimited Priority Pass lounges, dedicated relationship manager, and HSBC global account benefits.
2.
Spread of fee tiers
From Platinum Select (mid-tier) to Premier Air Miles (top-tier), HSBC offers credit card options at most salary bands above AED 8,000.
2 cards in the UAE
HSBC
HSBC Cash+ Credit Card
- Salary: AED 30,000+
- No Annual Fee for the first year
- 1% cashback every day on all your purchases, with no minimum spend or earning caps
- 10% bonus cashback each month, quarter and year on top
- Complimentary Careem Plus subscription
HSBC
HSBC Live+ Credit Card
- Salary: AED 5,000+
- First year fee-free
- Up to AED 800 welcome cashback
- 6% dining cashback
- 5% fuel cashback
Eligibility criteria
General requirements for credit card applications in the UAE. Exact thresholds vary by bank and card tier.
| Minimum age | 21 years |
| Monthly salary | AED 5,000–30,000 |
| Employment | Salaried employees or self-employed professionals |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Credit history | AECB credit score is checked; a clean record strengthens approval |
| Minimum age | 21 years |
| Monthly salary | AED 5,000–30,000 |
| Employment | Salaried employees or self-employed professionals |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Credit history | AECB credit score is checked; a clean record strengthens approval |
Always confirm the latest eligibility details with the issuing bank before applying.
Documents you will need
Prepare these before you start an application. Some banks accept digital uploads; others require originals at a branch.
UAE nationals
1.Emirates ID
2.Khulasat Al Qaid (Family Book)
3.Salary certificate (less than 30 days old)
4.Bank statements — last 3 months
5.Passport copy
Expats & residents
1.Emirates ID
2.Valid passport with residence visa page
3.Salary certificate or employment letter
4.Bank statements — last 3 months
5.Proof of address (utility bill or tenancy contract)
The final list of required documents may differ based on the bank and card. Self-employed applicants may also need a trade licence and audited financial statements.
Frequently asked questions
Common questions about Best HSBC Credit Cards in the UAE
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