Cashback %
- Earn 6% back on dining, 5% on fuel, and 2% on groceries & entertainment (each capped at AED 200 per statement cycle) when your monthly spend reaches AED 3,000.
- Earn 0.5% on all other spends, and when you spend less than AED 3,000 a month
Rewards Mechanism
- Earn 6% back on dining, 5% on fuel, and 2% on groceries & entertainment (each capped at AED 200 per statement cycle) when your monthly spend reaches AED 3,000.
- Earn 0.5% on all other spends, and when you spend less than AED 3,000 a month
Why We Choose It
- A variety of benefits.
Welcoming Gift/Bonus
New HSBC Live+ Credit Card customers (7 Jan–31 Mar 2026) can earn AED 500 cashback with AED 6,000 spend in 60 days , or up to AED 1,500 for Premier customers based on Net New Money kept for 3 months, with AED 10,000 spend in 60 days.
Annual Fee (inclusive of Vat)
Minimum Salary Requirement
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia complianceCashback Info:
- Earn 6% back on dining, 5% on fuel, and 2% on groceries & entertainment (each capped at AED 200 per statement cycle) when your monthly spend reaches AED 3,000.
- Earn 0.5% on all other spends, and when you spend less than AED 3,000 a month
Rewards program
Reward Mechanism:
Redeem points:
Airlines Program:
Key benefits
- Exclusive discounts at 400+ restaurants across the UAE.
- Buy 1 Get 1 Free movie tickets + up to 25% off cinema food & drinks.
Other benefits
- 200+ offers on dining, retail & stays with the Timeout & Golf Access Programme.
- Up to 50% off at 4,000+ restaurants with Zomato Gold.
- a complimentary 12 month Careem Plus subscription.
Why We Choose It
- A variety of benefits.
What We Did Not Like
- Limited cashback on grocery spending.
- A minimum monthly spend of AED 3,000 is required to earn cashback benefits.
Cashback %
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)
Minimum Salary Requirement
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia complianceCashback Info:
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.
Airlines Program:
HSBC Points
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.
