HSBC
    Updated January 2026

    Best HSBC Credit Cards in UAE 2026

    HSBC is one of the world's largest banking and financial services organizations, with a strong presence in the UAE since 1946. Known for their global rewards program and premium banking services, HSBC offers credit cards that cater to both everyday spenders and frequent international travelers.

    HSBC stands out with generous cashback rates of up to 10%, extensive airport lounge access (up to unlimited visits), and a partnership with Emirates Skywards for miles enthusiasts. Their cards are particularly attractive for those who value international acceptance and premium travel benefits.

    We have curated the 5 best HSBC credit cards to help you find the perfect match for your spending habits and lifestyle.

    Quick Comparison

    CardAnnual FeeMin SalaryKey Benefit
    HSBC - Live+ Credit CardFreeAED 12,500No Annual Fee
    HSBC - Cash+ Credit CardFreeAED 30,000Unlimited Lounges
    HSBC Emirates Skywards Infinite Credit CardAED 2625AED 30,00020K Skywards Bonus

    Featured Cards

    1
    HSBC

    HSBC - Live+ Credit Card

    0.5% base | 6% dining, 5% fuel, 2% groceries

    HSBC - Live+ Credit Card

    Annual Fee

    Free for Life

    Min Salary

    AED 12,500

    Type

    Cashback

    Key Features:

    No Annual Fee - Enjoy the benefit of no annual fee for the first year with the HSBC Live+ Credit Card.
    AED 800 Amazon - Get an AED 800 Amazon gift card when you apply for this card by 31 December 2025, plus AED 100 the first time you use your card in your mobile wallet.
    Free 1st Year Fee - Annual Fee: Free for first year. AED 313.95 including VAT from second year. Fee waiver for second year onwards is subject to AED 12,000 annual spends on the card.
    Up to 7% Back - Get up to 7% back as wallet credits off accommodation with Booking.com when you book on your credit card.
    12 Lounges/Year - Airport Lounge Access: 12 complimentary visits for you and additional cardholders to over 1,200 lounges a year. T&Cs Apply.
    Up to 6% Cashback - Earn 6% (up to AED 200) on Dining, 5% (up to AED 200) on fuel and 2% (up to AED 200) on groceries and entertainment per statement cycle when you spend at least AED 3,000 per month. Earn 0.5% on all other spends and when you spend less than AED 3,000 a month.
    2
    HSBC

    HSBC - Cash+ Credit Card

    1% daily cashback | 10% bonus monthly

    HSBC - Cash+ Credit Card

    Annual Fee

    Free for Life

    Min Salary

    AED 30,000

    Type

    Cashback

    Key Features:

    Unlimited Lounges - Airport Lounge Access: Access over 1,200 lounges in more than 300 cities worldwide. Complimentary access for you and your additional cardholder plus a guest each. T&Cs apply.
    No Annual Fee - Enjoy the benefit of no annual fee for the first year with the HSBC Cash+ Credit Card.
    AED 800 Amazon - Get an AED 800 Amazon gift card when you apply for this card by 31 December 2025, plus AED 100 the first time you use your card in your mobile wallet. Subject to T&Cs.
    10% Bonus Cashback - Get 10% bonus on your total daily cashback monthly
    Free 1st Year Fee - Annual Fee: Free for first year. AED 1,050 including VAT from second year. Fee waiver for second year onwards is subject to AED 24,000 annual spends on the card.
    Travel Insurance - Multi-trip Travel Insurance: Complimentary cover up to USD 500,000 for you and your family on all trips up to 90 days including a certificate of insurance.
    3
    HSBC

    HSBC Emirates Skywards Infinite Credit Card

    2.75 miles/USD | Multiply with partners

    HSBC Emirates Skywards Infinite Credit Card

    Annual Fee

    AED 2625

    Min Salary

    AED 30,000

    Type

    Miles

    Key Features:

    20K Skywards Bonus - Get 20,000 sign-up bonus Skywards Miles when you pay your annual card fee.
    30K Skywards Bonus - Get another 30,000 welcome spend Skywards Miles when you spend AED 50,000 in the first 60 days. T&Cs Apply.
    1200+ Lounges - Airport Lounge Access: Access over 1,200 lounges in more than 300 cities worldwide. Complimentary access for you and your additional cardholder plus a guest each. T&Cs apply.
    Multiply Miles - Accelerate your Skywards Miles earning with Skywards Living. Pay with your HSBC Emirates Skywards Credit Card with Emirates Skywards partners and multiply your Miles earning.
    Travel Insurance - Multi-trip Travel Insurance: Complimentary cover up to USD 500,000 for you and your family on all trips up to 90 days including a certificate of insurance.
    No Miles Expiry - No Skywards Miles expiry: The Skyward Miles you earn with the card won't expire for as long as your Emirates Skywards account and credit card are open.

    Frequently Asked Questions

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