HSBC Live+ Credit Card

After AED 3,000 total spend in a statement cycle, dining earns 6%, fuel 5%, and groceries and entertainment 2%, each capped at AED 200 per category per cycle. Other eligible spend earns 0.5%.

The first year is free. From the second year, the AED 313.95 fee is waived when annual card spend reaches AED 12,000.

The starting monthly income is AED 5,000 for employees of approved companies and AED 12,500 for other applicants. Final approval remains subject to HSBC's assessment.

New primary cardholders (no HSBC primary card held in the prior 6 months) can earn AED 600 after AED 6,000 spend within 60 days, plus AED 100 for a first mobile-wallet payment and AED 100 for a first supplementary-card use — up to AED 800 in total. The offer is available to applicants who apply by 31 December 2026.

The card includes 12 complimentary lounge visits per year across a network of 1,200+ lounges, available to both the primary and additional cardholders. To activate the benefit, you need to make at least one international purchase of USD 1 or more on the HSBC Visa card each calendar year, at least 15 days before you travel.

You'll need a passport, Emirates ID, proof of UAE residency, two salary-account statements, and a recent salary certificate. HSBC may also ask for a security cheque after your application is approved.