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HSBC UAE

Private Bank Credit Card

Earn Points on all your spends and redeem them for flights, hotel stays, shopping vouchers or frequent flyer miles. Plus, access airport lounges worldwide and a range of lifestyle rewards.

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

30.00%

Enjoy 30% off unlimited golf rounds at over 800 golf clubs worldwide with Mastercard.

foreign currency

30.00%

Get a free 2-year MyUS membership for up to 30% off international shipping.

Eligibility

Eligibility details not available yet.

Annual fee

AED 0

APR / interest

44.28%

B.E.S.T cashback ladder

Full rewards table

Rates increase with monthly total spend. Scan each category row for the spend band, rate, and cap.

Categories
4
Best rate
50.00%
Top cap
AED 0
D

Dining

Up to 50.00% cashback

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.

D

Default

Up to 30.00% cashback

Spend tier

Published reward rule

Rate

30.00%

Cap

No cap listed

Enjoy 30% off unlimited golf rounds at over 800 golf clubs worldwide with Mastercard.

Spend tier

Published reward rule

Rate

15.00%

Cap

No cap listed

VIP lounge access, 15% off shopping and more at Bicester Villages worldwide.

Spend tier

Published reward rule

Rate

25.00%

Cap

No cap listed

Buy 1 Get 1 Free movie tickets every month and up to 25% off food and drink at cinemas across the UAE.

FC

Foreign Currency

Up to 30.00% cashback

Spend tier

Published reward rule

Rate

30.00%

Cap

No cap listed

Get a free 2-year MyUS membership for up to 30% off international shipping.

TG

Travel General

Up to 20.00% cashback

Spend tier

Published reward rule

Rate

7.00%

Cap

No cap listed

Earn up to 7% back as wallet credits on stays capped to EUR 200 with Booking.com

Spend tier

Published reward rule

Rate

10.00%

Cap

No cap listed

Enjoy discounted hotel stays including 10% at Soneva

Spend tier

Published reward rule

Rate

15.00%

Cap

No cap listed

15% discount at IHG hotels

Spend tier

Published reward rule

Rate

20.00%

Cap

No cap listed

Get 20% off your next car rental with Avis and a complimentary upgrade with every rental, worldwide.

Benefits

Travel

Booking.com Credits

Cashback

Earn up to 7% back as wallet credits on stays capped to EUR 200 with Booking.com

Conditions: Up to 7% wallet credits, capped at EUR 200

Partner: Booking.com

Soneva Discounts

Hotel Discount

Enjoy discounted hotel stays including 10% at Soneva

Partner: Soneva

Agoda Discounts

Hotel Discount

Discounted hotel stays at Agoda

Partner: Agoda

Ministry of Villas Discounts

Hotel Discount

Discounted villa stays at Ministry of Villas

Partner: Ministry of Villas

IHG Hotels Discount

Hotel Discount

15% discount at IHG hotels

Partner: IHG

Airalo Data Roaming

Travel Discount

Get 15% off additional data packages with Airalo.

Conditions: 15% discount on roaming data packages

Partner: Airalo

Hertz Gold Plus Rewards President's Circle

Car Rental Membership

Special benefits with Hertz Gold Plus Rewards® President's Circle membership, like fast track rental queuing.

Conditions: Complimentary upgraded membership

Partner: HertzProgram: Hertz Gold Plus Rewards President's Circle

Global Hotel Alliance Black Membership

Hotel Membership

Get exclusive benefits like room upgrades and late checkouts at luxury hotels with a Global Hotel Alliance membership.

Conditions: Available to cardholders

Program: Global Hotel Alliance

onefinestay Discounts

Hotel Discount

Luxury serviced apartments discounts at onefinestay

Partner: onefinestay

Mastercard Travel Pass Airport Lounge Access

Lounge Access

Enjoy 14 complimentary visits a year for you and a guest to over 1,200 airport lounges worldwide with the Mastercard Travel Pass app. You can add more guests for USD 32 each.

Conditions: 14 complimentary visits per year for cardholder and 1 guest. To activate and enjoy complimentary lounge access, need to make a cross-border transaction of USD 1 or more at least once every 3 months. From May 1, 2025, limited to 2 visits per calendar year if no qualifying transaction made within 3-month period.

Service Area: WorldwidePartner: MastercardPartner: DragonPassProgram: Mastercard Travel Pass

Avis Car Rental Discount

Car Rental Discount

Get 20% off your next car rental with Avis and a complimentary upgrade with every rental, worldwide.

Conditions: 20% discount plus complimentary upgrade on every rental

Service Area: WorldwidePartner: Avis

Lifestyle

World Elite Mastercard Concierge

Concierge Service

Enjoy luxury travel planning, the best in fine dining and exclusive events with international concierge services

Conditions: Available to cardholders

Mastercard Golf

Golf Discount

Enjoy 30% off unlimited golf rounds at over 800 golf clubs worldwide with Mastercard.

Conditions: 30% discount at 800+ golf clubs worldwide

Service Area: WorldwidePartner: Mastercard

Spikes On Golf

Golf Access

Play 2 free rounds of golf every month with Spikes On.

Conditions: 2 complimentary rounds per month

Partner: Spikes On

Rewards

HSBC Rewards Programme

Points Earning

Earn rewards on all your credit card spends and exchange them for flights, hotels and more.

Conditions: All purchases qualify for rewards points

Travel Rewards

Rewards Earn

Earn 2.5 Points for every AED 1 spent on travel, including airlines, hotels and car rental

Conditions: Use card for travel purchases

Foreign Currency and Online Purchase Rewards

Rewards Earn

Earn 1.5 Points for every AED 1 spent in all currencies other than UAE Dirhams and on online purchases

Conditions: Spend in foreign currency or make online purchases

Base Rewards Earning

Rewards Earn

Earn 1 Point for every 1 AED spent on all other spends

Conditions: Regular spending on card

Airline Miles Redemption

Rewards Redemption

Exchange your Points with leading airline partners and unlock more ways to travel and experience the world

Conditions: Redeem through HSBC UAE app

Vouchers Redemption

Rewards Redemption

Redeem your Points for a wide range of e-vouchers across your favourite brands, dining, and lifestyle partners instantly and conveniently

Conditions: Redeem through HSBC UAE app

Hotel Points Redemption

Rewards Redemption

Exchange your Points with leading hotel partners and unlock more ways to experience comfort and luxury during your travels

Conditions: Redeem through HSBC UAE app

Shopping

MyUS Membership

Complimentary Membership

Get a free 2-year MyUS membership for up to 30% off international shipping.

Conditions: Complimentary 2-year membership

Partner: MyUS

Bicester Villages Shopping

Shopping Discount

VIP lounge access, 15% off shopping and more at Bicester Villages worldwide.

Conditions: Available at Bicester Villages worldwide

Partner: Bicester VillagesService Area: WorldwidePartner: Bicester Village Shopping Collection

Convenience

Digital Wallet Support

Digital Feature

Add your HSBC UAE cards to your digital wallet for instant contactless purchases. You don't even need to wait for them to be delivered - just access your card details in the HSBC UAE app.

Conditions: Available in HSBC UAE app

Dining

Zomato Gold Membership

Complimentary Membership

Get up to 50% off dining bills at over 4,000 restaurants across the UAE with your complimentary Zomato Gold membership.

Conditions: Complimentary 12-month membership worth AED 149

Service Area: UAEPartner: ZomatoProgram: Zomato Gold

Entertainment

Cinema Offers UAE

Entertainment Discount

Buy 1 Get 1 Free movie tickets every month and up to 25% off food and drink at cinemas across the UAE.

Conditions: BOGO movie tickets monthly, up to 25% off F&B

Service Area: UAE

Transportation

Careem Plus Subscription

Complimentary Membership

Get a complimentary 12-month Careem Plus subscription. Simply add and use your HSBC credit card on the Careem app.

Conditions: Add and use HSBC credit card on Careem app

Partner: CareemProgram: Careem Plus

Careem Airport Transfers

Airport Transfer

Get 4 complimentary airport rides from Careem per year, up to AED 84 on each ride. Use code MAUAE6.

Conditions: 4 complimentary rides per year, up to AED 84 per ride, use code MAUAE6

Partner: Careem

Travel Protection

Rental Collision and Loss Damage Waiver

Insurance

Get covered for physical damage to the rental vehicles, plus loss of use, theft, and natural calamities, vehicle towing and vehicle drop off charges.

Conditions: Complimentary coverage when renting with card

Partner: Mastercard

Travel Medical Insurance

Insurance

Complimentary medical cover including personal accident, emergency medical evacuation and repatriation, medical emergency expenses and daily in-hospital cash benefit.

Conditions: Complimentary when booking trips with card

Partner: Mastercard

Travel Inconvenience Insurance

Insurance

Get compensation if things go wrong when you travel, like delayed or lost bags, delayed or cancelled flights and more.

Conditions: Complimentary when booking trips with card

Partner: Mastercard

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