Personal Banking Account
Everyday banking with AED 3,000 balance route
Published salary minimum: Confirm with bank
Account source reviewed 2026-10-22.
HSBC UAE Credit Cards and Bank Accounts
Explore 3 current card products and 2 accounts in our source-reviewed catalogue. Issuer approval, relationship requirements and current campaign terms apply. No bank pays for its position here.
HSBC accounts and salary options
E-Saver Account
Tiered interest up to 2.00% AER
Published salary minimum: Confirm with bank
Account source reviewed 2026-10-22.
All values in AED No paid rankings Conventional & Islamic Terms snapshot 18 Oct · catalogue reviewed 19 Oct 2026
THE UAE REWARDS DIRECTORY
UAE Credit Card Comparison
47 current cards · 13 banksSource-reviewed catalogue. Dated promotions expire automatically; bank changes require a fresh source check.
LIMITED-TIME BOOSTUp to AED 800 welcome cashbackEnds 31 Dec
Conventional banking
HSBCDINING & FUEL
HSBC Live+ Credit Card
Dirham Score 3.8/5100% data coverage · editorial methodHow this score works
- + Cashback rewards
- + Published airport lounge benefit
- + Reward limitations disclosed
- − Reward estimate has stated exclusions
- − Bank FX charge 2.1%; scheme charges may apply
Annual fee AED 313.95Conditional first-year waiver
General income minimum AED 12,500; AED 5,000 applies only to approved-company employees. The salary matcher uses the general threshold.
ESTIMATED FIRST-YEAR VALUE
AED 3,180
Partial estimate · see detailsView breakdown
Regular welcome+ AED 0
Promotional booster+ AED 600
Annual rewards+ AED 2,580
Fee waiver+ AED 313.95
Joining-fee refund+ AED 0
Annual fee− AED 313.95
Actual modelled netAED 3,180
Includes the AED 600 qualifying spend stage; wallet and supplementary-card actions remain excluded. Direct merchant school/utility payments earn 0.5%. All projected spend must be eligible retail within the assigned credit limit.
Calculation assumptionsRewards, fees & important conditions
Read the full HSBC Live+ Credit Card review and fee maths
Buy 1 Get 1; AED 6,000 monthly spend required · 12 annual Visa Airport Companion visits for cardholders; make an international purchase equivalent to at least one US currency unit once per calendar year, at least 15 days before travel.
Monthly interest rate: 3.69%. Bank FX charge: 2.1%.
No separate regular welcome bonus is assumed. The dated 2026 acquisition campaign is shown separately.
Includes the AED 600 qualifying spend stage; wallet and supplementary-card actions remain excluded. Direct merchant school/utility payments earn 0.5%. All projected spend must be eligible retail within the assigned credit limit.
General income minimum AED 12,500; AED 5,000 is restricted to approved-company employees. Credit approval is separate.
AED 3,000 statement retail spend activates dining 6%, fuel 5%, supermarkets and entertainment 2%, each capped at AED 200 per category. Other eligible retail, including direct school and utility payments, earns 0.5%; below the threshold all eligible retail earns 0.5%.
Only eligible merchant retail is modelled; instalment plans, cash equivalents, bank fees, reversals and spend beyond the assigned credit limit are excluded. Entertainment is not a separate matcher input.
Cinema BOGO requires AED 6,000 in the booking month. Twelve annual Visa Airport Companion lounge visits require the stated international purchase and advance processing window.
Bank foreign currency processing is 2.1% including VAT. A separate scheme processing fee up to 1.21% including VAT can apply. Overseas AED processing is 1.05%; these are not all-in currency conversion costs.
Annual fee AED 313.95 including VAT; first-year waiver campaign requires approval by 31 December 2026. Later waiver requires AED 12,000 yearly spend.
Official bank source · checked 2026-10-18Live+ category and direct-merchant terms
Current HSBC tariff, effective 6 October 2026
Official bank promotional artwork depicting this card. WebP copy resized without cropping or changing the depicted card. Image source
Promotional sign-up booster
Up to AED 800 welcome cashbackAED 600 after qualifying spend, plus AED 100 each for wallet and supplementary-card actions. Only the spend stage is modelled.
Ends 31 Dec · Apply by 2026-12-31 (UAE date, inclusive)
- Apply by 31 December 2026; approval by 31 January 2027. No primary HSBC card currently or in the preceding six months.
- Spend AED 6,000 in 60 days for AED 600.
- Wallet / supplementary-card first purchases within their 60-day windows each earn AED 100; neither action is assumed.
- Keep card for 180 days; first-year fee waiver requires approval by 31 December under the separate fee campaign.
Verified spending-stage cashback: +AED 600 modelled value · Spend AED 6,000 in 60 days
Qualifying extra bonus in this forecast: AED 600.
Official offer termsFEE WAIVERFirst-year annual-fee waiverEnds 31 Dec
Conventional banking
HSBCBANK-SOURCED
Cash+ Credit Card
Dirham Score 2.9/5100% data coverage · editorial methodHow this score works
- + Cashback rewards
- + Published airport lounge benefit
- + Reward limitations disclosed
- − Reward estimate has stated exclusions
- − Bank FX charge 2.1%; scheme charges may apply
Annual fee AED 1,050Conditional first-year waiver
ESTIMATED FIRST-YEAR VALUE
AED 1,440
Partial estimate · see detailsView breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 1,440
Fee waiver+ AED 1,050
Joining-fee refund+ AED 0
Annual fee− AED 1,050
Actual modelled netAED 1,440
Includes verified monthly, quarterly and annual bonuses on base cashback when the repeated-spend forecast reaches each separate target. Leisure perks are excluded; fee waiver remains subject to campaign approval conditions.
Calculation assumptionsRewards, fees & important conditions
Read the full Cash+ Credit Card review and fee maths
1% cashback on eligible retail. Advertised 10% annual bonus is a top-up on earned cashback, not a 10% spending reward.
Buy 1 Get 1 cinema tickets after AED 10,000 calendar-month spend; booking and provider conditions apply. · Unlimited Visa Airport Companion lounge visits for you and one guest after an international purchase equivalent to at least one US currency unit, at least 15 days before travel.
Monthly interest rate: 3.69%. Bank FX charge: 2.1%.
Includes verified monthly, quarterly and annual bonuses on base cashback when the repeated-spend forecast reaches each separate target. Leisure perks are excluded; fee waiver remains subject to campaign approval conditions.
AED 30,000 monthly income; annual fee AED 1,050 including VAT. First-year fee waiver campaign runs through 31 December 2026; subsequent waiver requires AED 24,000 yearly spend.
Base cashback is 1% of eligible retail. Monthly AED 5,000, quarterly AED 25,000 and annual AED 125,000 retail targets each award a separate 10% bonus on the relevant base cashback, not 10% of spending. Bonuses do not compound on one another.
The model repeats the entered monthly spend over complete one-, three- and twelve-month cycles. Actual account periods, cleared payments, reversals and credit limits affect entitlement.
Cinema BOGO requires AED 10,000 in the booking month. The current Visa card uses Visa Airport Companion, not Mastercard Travel Pass.
Foreign currency processing: bank 2.1% including VAT plus a separate scheme fee up to 1.21% including VAT. Overseas AED processing is 1.05%; merchant exchange rates can add costs.
Official bank source · checked 2026-10-18Current HSBC tariff, effective 6 October 2026
Official Cash+ cashback bonus terms
Official product hero asset has a light grey background and generous margins around the card; downloaded unchanged. Visible card face reads Cash+ Credit and Visa Infinite. WebP copy resized without cropping or changing the depicted card. Image source
Promotional sign-up booster
First-year annual-fee waiverApply and receive approval during the July–December 2026 fee-waiver campaign.
Ends 31 Dec · Apply by 2026-12-31 (UAE date, inclusive)
- Apply and receive approval within the campaign period.
- No primary HSBC card at application or in preceding six months.
- Good standing; first approved card only.
Qualifying extra bonus in this forecast: AED 0.
Official offer termsLIMITED-TIME BOOSTUp to 330,000 welcome Reward PointsEnds in 13 days
Conventional banking
HSBCBANK-SOURCED
Premier Credit Card
Dirham Score 3.1/5100% data coverage · editorial methodHow this score works
- + Published free-for-life annual fee
- + Published airport lounge benefit
- + Reward limitations disclosed
- − Reward estimate has stated exclusions
- − Bank FX charge 2.1%; scheme charges may apply
Annual fee Free for life
Premier account required. General salary route: AED 40,000 monthly transfer and AED 500,000 total relationship balance within 12 months; Emirati salary route AED 30,000. Other relationship / shared-status routes exist. Salary filter uses the general salary route.
ESTIMATED FIRST-YEAR VALUE
AED 2,240
Partial estimate · see detailsView breakdown
Regular welcome+ AED 0
Promotional booster+ AED 1,400
Annual rewards+ AED 840
Fee waiver+ AED 0
Joining-fee refund+ AED 0
Annual fee− AED 0
Actual modelled netAED 2,240
AED 0.007 per point is an illustrative redemption assumption, not a fixed bank cash rate. Non-spend bonus actions and leisure benefits are excluded.
Calculation assumptionsRewards, fees & important conditions
Read the full Premier Credit Card review and fee maths
1 HSBC Reward Point per AED eligible retail spend. Cash-equivalent value depends on redemption; illustrative value used.
Buy 1 Get 1 cinema tickets after AED 6,000 monthly spend; current booking conditions apply. · Eight annual lounge visits via Mastercard Travel Pass; qualifying non-AED purchase in the preceding 90 days required.
Monthly interest rate: 3.69%. Bank FX charge: 2.1%.
AED 0.007 per point is an illustrative redemption assumption, not a fixed bank cash rate. Non-spend bonus actions and leisure benefits are excluded.
No annual card fee; a qualifying HSBC Premier relationship is required. The salary route and relationship-balance condition are shown separately; other Premier eligibility routes exist.
Earn one point per eligible AED of spending. The model uses an illustrative AED 0.007 per point, not a guaranteed cash rate.
Eight annual Mastercard Travel Pass visits; qualifying foreign purchase at least once every three months. Guests are paid unless the app confirms an applicable entitlement.
Bank FX fee is 2.1% including VAT, plus a separate scheme fee up to 1.21% including VAT. Overseas AED processing fee is 1.05%.
Current welcome offer ends 31 October 2026. Only the 200,000-point qualifying spend stage is included; wallet, supplementary and foreign-transaction actions are excluded.
Official bank source · checked 2026-10-18Official Premier account eligibility
Current HSBC tariff, effective 6 October 2026
Current UAE official product is titled Premier Credit Card; its page calls it HSBC Premier Mastercard Credit Card. A distinct UAE product named Premier World Elite Mastercard was not verified. Do not treat HSBC Expat/UK artwork or terms as UAE evidence. Current official artwork is a vertical black Premier Credit Mastercard design on a light grey background, downloaded unchanged. The card face does not show World Elite text. WebP copy resized without cropping or changing the depicted card. Image source
Promotional sign-up booster
Up to 330,000 welcome Reward Points200,000 points after qualifying spend, plus up to 130,000 for wallet, supplementary-card and single foreign-purchase actions. Only the spend stage is modelled.
Ends in 13 days · Apply by 2026-10-31 (UAE date, inclusive)
- Apply by 31 October 2026; approval by 30 November. No primary HSBC card currently or in the preceding six months.
- Spend AED 15,000 within 60 days for 200,000 points.
- Other stages: wallet purchase 30,000, supplementary-card purchase 50,000, one foreign transaction equivalent to at least AED 500 earns 50,000. These actions are not assumed.
- Keep card for at least 180 days and remain in good standing.
Verified general-spend stage: 200,000 points: +AED 1,400 modelled value · Spend AED 15,000 in 60 days
Qualifying extra bonus in this forecast: AED 1,400.
Official offer termsFirst-year value uses AED 10,000 monthly spending across our benchmark categories. Foreign spending assumes eligible non-European general retail and excludes FX charges. Miles use editorial assumptions. See the maths and exclusions.
Read the bank’s terms before applying
The individual reviews link to the issuer’s product pages and available fee schedules. Relationship tiers, employer listing, residence, salary-transfer channels and bureau checks can affect your eligibility independently of a card’s minimum published salary.
Compare salary-transfer commitments and offers