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
Welcome Bonus: AED 800 Amazon gift card
1% cashback every day on all your purchases, with no minimum spend or earning caps
Complimentary Careem Plus subscription
HSBC
HSBC Live+ Credit Card
Welcome Bonus: AED 800 Amazon gift card
6% cashback on dining (up to AED 200)
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 |
June Spotlight
Liv by Emirates NBD
Liv by Emirates NBD offers fully digital credit cards designed for everyday spenders and lifestyle-focused users. The lineup covers cashback-led options and Tamayaz travel rewards, giving users flexibility across groceries, dining, travel, and online spending.
LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback Credit Card
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
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HSBC
HSBC Cash+ Credit Card
Salary: AED 30,000+
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)
Not sure which card to pick?
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