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Rewards Mechanism

For every AED 1:

  • 2.5 HSBC Points for spending in travel-related purchases, including airlines, hotels, and car rental MCCs
  • 1.5 HSPC Points in all online purchases
  • 1 Point for all other spends and all other MCCs.
  • 1.5 HSBC Points in all currencies other than UAE Dirhams

Why We Choose It

  • Generous Welcoming bonus

Welcoming Gift/Bonus

HSBC Black Credit Card isn’t available to new customers. You get 75,000 Points when you renew your membership, plus every year after that.

 

Annual Fee (inclusive of Vat)

AED 1,575

Minimum Salary Requirement

AED 50,000

APR*

Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia compliance
3.69%

Rewards program

  • HSBC Rewards Programme
Reward Mechanism:

For every AED 1:

  • 2.5 HSBC Points for spending in travel-related purchases, including airlines, hotels, and car rental MCCs
  • 1.5 HSPC Points in all online purchases
  • 1 Point for all other spends and all other MCCs.
  • 1.5 HSBC Points in all currencies other than UAE Dirhams

Redeem points:

The HSBC Rewards Programme allows you to earn Points for every eligible purchase you make with your HSBC Credit Card. Depending on your card type, you can also earn extra Points in popular categories like dining, travel and international transactions. You can redeem your Points in exciting ways, such as booking travel, shopping on Amazon, or exchanging them for other loyalty programmes. Plus, it’s easy to view and redeem your Points online using the HSBC Mobile App.

Key benefits

  • 14 Complementary Lounge access for you and a guest.
  • International concierge.
  • Complimentary 12-month Careem Plus subscription.
  • 2 free rounds of golf every month with The SpikesOn.com mobile app

Other benefits

  •  Buy 1 Get 1 Free movie tickets every month, up to 25% off food and drink at cinemas across the UAE cinemas across the UAE.
  • 4 complimentary airport rides from Careem.

Why We Choose It

  • Generous Welcoming bonus

What We Did Not Like

  • This credit card isn’t available to new customers.

You ask, we answer

At CardsMatcher, our goal is to help people take control of their financial health and achieve their financial aspirations. We began with credit card matching, but we are committed to supporting individuals across the UAE in leading a financially healthy lifestyle, making informed decisions, and overcoming financial insecurity

Our reviews and ratings are based on competitive intelligence analysis, which compares UAE credit cards across various categories. We use different simulation techniques to identify the top cards for each category, tailored to different income profiles.

First, complete the “Find Your Card” survey to receive personalized recommendations for the best credit cards suited to your profile. Then, visit our Financial Wellness Library for useful tips and guides on credit cards. Stay tuned, as we plan to expand our coverage to include other banking products in the UAE.

Our team is reviewing your data and working diligently to recommend 3 credit cards that best match your profile. Please allow 3-5 business days for this process.

Yes, our service is entirely free, and we are committed to not charging any participants unless they opt for a private consultation. However, please be aware that we may receive compensation from banks for advertising purposes on our website, but this does not influence the recommendations we provide.

Yes, your privacy and security are our top priority. We ensure that your data is handled with the utmost care. We never share your information with third parties without your consent.

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*Every response helps us better understand saving behaviors in the UAE and build smarter financial tools for everyone.