- Joining Fee
- Free
- Annual Fee
- AED 1,050
- Minimum Salary
- AED 10,000
HSBC Emirates Skywards Signature Credit Card
Earn Skywards Miles on eligible spending and redeem them through Emirates Skywards.
≈ AED 8,428 potential value / year · incl. perks
Welcome offer
Signup miles
25,000 Skywards Miles
Pay the annual fee. Apply and receive approval from 1 September to 31 October 2026. Campaign eligibility: UAE resident aged 21 or older, with no primary HSBC Skywards card now or in the previous 12 months.
See full breakdownWelcome-spend miles
15,000 Skywards Miles
Spend AED 20,000 on eligible purchases within 60 days of account opening. Balance transfers, cash, fees and spending above the credit limit do not qualify. The same spend qualifies for Skywards Silver membership.
See full breakdownRewards
0.75Skywards Miles
per USD 1 on other eligible spending.
Eligible AED purchases outside airline and reduced-rate categories.
See full breakdown1Skywards Miles
per USD 1 on eligible international spending.
Non-AED purchases, including foreign-currency airline bookings.
See full breakdown1.75Skywards Miles
per USD 1 on Emirates and flydubai spending.
Direct Emirates and flydubai bookings in AED.
See full breakdown0.1Skywards Miles
per USD 1 on reduced categories.
Applies to government, groceries, utilities, education, fuel, real estate and public transport, insurance and car dealers. Applies to AED transactions; non-AED purchases earn the foreign-currency rate.
See full breakdownRewards Calculator
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Eligibility
18
Minimum Age
10,000AED
Minimum Income
Employer eligibility
AED 10,000 monthly income for approved-company employees; AED 12,500 for other applicants.
Documents ready
Emirates ID + passport with residence visa
Have your Emirates ID and passport with residence visa on hand — UAE banks require these for any credit card application.
Check your AECB report
Recent rejections or missed payments can stall approval
A recent credit-card rejection or missed payment on your AECB report is one of the most common reasons a UAE card application stalls — worth checking your report before applying if you're unsure.
September 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
- AED 500 bonus on AED 5,000
- 20% back in credits on noon Food
- 5% back in credits on noon
3.9/5
EMIRATES NBD
ENBD Voyager World Credit Card
- Salary: AED 12,000+
- 75,000 Miles on AED 35,000
- No Annual Fee
- 6 Miles/AED on Voyager Portal
- 3 Miles/AED on other travel
EMIRATES NBD
ENBD Voyager World Elite Credit Card
- Salary: AED 25,000+
- 150,000 Miles on AED 70,000
- No Annual Fee for the first year
- 12 Miles/AED on Voyager Portal
- 6 Miles/AED on other travel
Additional Benefits
Skywards Miles Redemption
Flights, upgrades, hotels and gift cards.
Miles are credited to your linked Emirates Skywards account and can be redeemed with Emirates and flydubai on flights, upgrades, partner airlines, hotels and gift cards. Emirates programme rules apply.
See full breakdownVisa Airport Companion Lounge Access
12 visits a year to 1,200+ lounges worldwide.
12 complimentary visits a year for you and additional cardholders to over 1,200 lounges. Needs one international purchase worth USD 1 on the card each calendar year, at least 15 days before travel. Register in the Visa Airport Companion app.
See full breakdownEmirates Skywards Silver Tier
Fast track in year 1, then AED 180,000 annual spend to renew.
Silver Tier membership comes with the welcome offer on qualifying spend. From year 2 it renews on at least AED 180,000 of eligible spend over 12 months, including at least AED 10,000 directly with Emirates.
See full breakdownCareem Plus
Complimentary 12-month Careem Plus subscription.
Add and use the card in the Careem app to activate a complimentary 12-month Careem Plus subscription.
See full breakdownCinema Offers
2 free tickets a month, plus 20% off food and drink.
Buy-one-get-one-free movie tickets at VOX, Reel and Roxy cinemas across the UAE, up to 2 free tickets a month per card account, plus 20% off food and drink. Requires over AED 6,000 of spend in the ticket booking calendar month.
See full breakdownZomato Gold
Up to 50% off dining at 4,000+ UAE restaurants.
Complimentary Zomato Gold membership giving up to 50% off dining bills at over 4,000 restaurants across the UAE.
See full breakdownMulti-Trip Travel Insurance
Up to USD 500,000 cover on trips of up to 90 days.
Complimentary multi-trip travel cover of up to USD 500,000 for you and your family on all trips of up to 90 days, with a certificate of insurance issued through Visa.
See full breakdownVisa Luxury Hotel Collection
Best-rate guarantee, room upgrades and breakfast.
Book through Visa Luxury Hotels for best-rate guarantees, room upgrades, complimentary breakfast and other member privileges at luxury properties worldwide.
See full breakdownAiralo Data Roaming
2GB free roaming data plus 15% off extra packages.
2GB of complimentary Airalo data roaming, plus 15% off additional data packages.
See full breakdownFees
1,050AED
Annual fee
Free
Supplementary card
HSBC charges no annual fee on supplementary cards.
44.28%
APR
Rises by up to 1% a month (12% annualised) for as long as the account is overdue, and reverts once it is not. A collection agency fee applies if HSBC appoints an external agency.
Cash advance3.15%*
*3.15% of the total amount or AED 105, whichever is higher. Purchases at exchange houses, foreign-currency purchases and other quasi-cash transactions are charged as cash advances and carry the cash interest rate.
Late paymentAED 241.5*
*Per instance.
Over-limitAED 288.75*
*Charged each billing period until the balance above the credit limit is cleared.
Foreign currency fee2.1%*
*Of the transaction amount as converted into your billing currency. A card-scheme processing fee of up to 1.21% also applies.
International, billed in AED1.05%*
*Applies where an international transaction is billed in AED, in addition to the card-scheme processing fee.
Card replacementFree*
*HSBC charges no card replacement fee.
Returned chequeAED 105
Liability letterAED 52.5*
*A no-liability certificate costs the same.
International deliveryAED 157.5
Credit Shield Plus0.1465%*
*Of the outstanding balance, per month. Optional cover.
Frequently Asked Questions
Get answers to common questions about HSBC Emirates Skywards Signature Credit Card credit card
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