HSBC UAE
Get up to 6% cashback on daily spends and no annual fees for the first year
dining
50.00%
Get up to 50% off dining bills at over 4,000 restaurants across the UAE with your complimentary Zomato Gold membership.
default
25.00%
Buy 1 Get 1 Free movie tickets every month when you spend at least AED 6,000 in the calendar month of booking and up to 25% off food and drink at cinemas across the UAE.
travel general
15.00%
Get 15% off additional data packages with Airalo.
Eligibility
Min income: AED 5,000
Age: 21 to 65
Salary transfer: Not required
Annual fee
AED 314
First year fee
AED 0
APR / interest
44.28%
B.E.S.T cashback ladder
Rates increase with monthly total spend. Scan each category row for the spend band, rate, and cap.
Up to 50.00% cashback
Spend tier
Published reward rule
Rate
6.00%
Cap
No cap listed
Earn 6% cashback (up to AED 200) on dining per statement cycle when you spend at least AED 3,000 a month.
Spend tier
Published reward rule
Rate
50.00%
Cap
No cap listed
Get up to 50% off dining bills at over 4,000 restaurants across the UAE with your complimentary Zomato Gold membership.
Up to 25.00% cashback
Spend tier
Published reward rule
Rate
5.00%
Cap
No cap listed
Earn 5% cashback (up to AED 200) on fuel per statement cycle when you spend at least AED 3,000 a month.
Spend tier
Published reward rule
Rate
2.00%
Cap
No cap listed
Earn 2% cashback (up to AED 200) on groceries and entertainment per statement cycle when you spend at least AED 3,000 a month.
Spend tier
Published reward rule
Rate
0.50%
Cap
No cap listed
Earn 0.5% on all other spends, and when you spend less than AED 3,000 a month
Spend tier
Published reward rule
Rate
25.00%
Cap
No cap listed
Buy 1 Get 1 Free movie tickets every month when you spend at least AED 6,000 in the calendar month of booking and up to 25% off food and drink at cinemas across the UAE.
Spend tier
Published reward rule
Rate
1.00 Points/AED
Cap
No cap listed
Automatic extended warranty on purchases you make in full with your card. It doubles the original manufacturer's warranty for up to 1 year.
Spend tier
Published reward rule
Rate
6.00%
Cap
No cap listed
Get up to 6% cashback on daily spends and no annual fees for the first year
Up to 5.00% cashback
Spend tier
Published reward rule
Rate
5.00%
Cap
No cap listed
Earn 5% cashback (up to AED 200) on fuel per statement cycle when you spend at least AED 3,000 a month. [Derived category mapping: fuel]
Up to 15.00% cashback
Spend tier
Published reward rule
Rate
7.00%
Cap
No cap listed
Get up to 7% back as wallet credits with Booking.com accommodations when you book on your credit card.
Spend tier
Published reward rule
Rate
15.00%
Cap
No cap listed
Get 15% off additional data packages with Airalo.
Airport Lounge Access
Airport Lounge
12 complimentary visits for you and additional cardholders to over 1,200 lounges a year when you make at least 1 international purchase worth USD 1 once every calendar year with your HSBC Visa card 15 days before you travel.
Conditions: Make at least 1 international purchase worth USD 1 once every calendar year 15 days before travel
Airalo Data Roaming Discount
Discount
Get 15% off additional data packages with Airalo
Booking.com Cashback
Cashback
Get up to 7% back as wallet credits with Booking.com accommodations when you book on your credit card
Multi-trip Travel Insurance
Insurance
Complimentary cover of up to USD 500,000 for you and your family on all trips up to 90 days.
Conditions: Offered by Visa International
Booking.com Credits
Discount
Get up to 7% back as wallet credits with Booking.com accommodations when you book on your credit card.
Airalo Roaming Data Discount
Discount
Get 15% off additional data packages with Airalo.
Careem Plus Subscription
Membership
Complimentary 12-month Careem Plus subscription when you add and use your HSBC credit card on the Careem app
Timeout and Golf Access Programme
Discount Program
Enjoy over 200 offers across dining, retail and accommodation across MENA with the Timeout and Golf Access Programme.
24-hour Concierge Service
Concierge
Visa Concierge takes care of the details, from restaurant bookings to travel plans and more
home&Away Offers
Discount
Get deals on shopping, travel, dining and more worldwide with home&Away
24-hour Visa Concierge
Concierge
Visa Concierge takes care of the details, from restaurant bookings to travel plans and more.
Conditions: Available 24/7 by calling 800 0441 3487 from the UAE or +9714 361 1234 / +44 2078 502 829 from outside the UAE
home&Away Programme
Discount Program
Get deals on shopping, travel, dining and more worldwide with home&Away.
Extended Warranty
Purchase Protection
Automatic extended warranty on purchases you make in full with your card. It doubles the original manufacturer's warranty for up to 1 year.
Conditions: Offered by Visa International
Base Cashback
Cashback
Earn 0.5% on all other spends, and when you spend less than AED 3,000 a month
Conditions: Applies to all spends outside bonus categories or when monthly spend is below AED 3,000
Welcome Cashback
Welcome Bonus
Receive up to AED 1,500 cashback when you get a Live+ Credit Card and meet the spends and funding requirements. Plus, get AED 100 cashback when you add your card to a mobile wallet and use it to make a payment.
Conditions: Available on primary card only. You can't have a primary card when you apply or in the 6 months before applying. Offer ends 31 May 2026.
Cinema Buy 1 Get 1 Free
Entertainment
Buy 1 Get 1 Free movie tickets every month when you spend at least AED 6,000 in the calendar month of booking and up to 25% off food and drink at cinemas across the UAE.
Conditions: Minimum spend of AED 6,000 in the calendar month of booking required
Zomato Gold Membership
Membership
Get up to 50% off dining bills at over 4,000 restaurants across the UAE with your complimentary Zomato Gold membership.
Restaurant Discounts UAE
Discount
Get discounts at over 400 restaurants across the UAE when you pay with your credit card
Cashback on Dining
Cashback
Earn 6% cashback (up to AED 200) on dining per statement cycle when you spend at least AED 3,000 a month.
Conditions: Minimum monthly spend of AED 3,000 required. Maximum AED 200 cashback per statement cycle.
Cashback on Entertainment
Cashback
Earn 2% cashback on entertainment, up to AED 200 per statement cycle when you spend at least AED 3,000 a month
Conditions: Minimum monthly spend of AED 3,000 required
Cashback on Fuel
Cashback
Earn 5% cashback (up to AED 200) on fuel per statement cycle when you spend at least AED 3,000 a month.
Conditions: Minimum monthly spend of AED 3,000 required. Maximum AED 200 cashback per statement cycle.
Cashback on Groceries
Cashback
Earn 2% cashback on groceries, up to AED 200 per statement cycle when you spend at least AED 3,000 a month
Conditions: Minimum monthly spend of AED 3,000 required
Cashback on Groceries and Entertainment
Cashback
Earn 2% cashback (up to AED 200) on groceries and entertainment per statement cycle when you spend at least AED 3,000 a month.
Conditions: Minimum monthly spend of AED 3,000 required. Maximum AED 200 cashback per statement cycle.
Fraud Protection
Insurance
You're covered for fraudulent transactions on your card up to USD 2,500 a claim and up to USD 4,000 a year.
Conditions: Offered by Visa International
Careem Plus Membership
Membership
Get a complimentary 12-month Careem Plus subscription. Simply add and use your HSBC credit card on the Careem app.
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