HSBC · UAE CARD REVIEW

Cash+ Credit Card: UAE Review

Compare published eligibility, rewards, fees and benefit conditions. Bank terms reviewed 2026-10-18. This is an independent review, not bank approval.

Salary eligibility, annual fees and borrowing charges

Minimum monthly salary

AED 30,000

Annual fee

AED 1,050

Bank FX charge

2.1%; scheme fees may apply

Monthly interest rate

3.69%

Reward programme

Cashback

Salary transfer required

No published requirement

Cashback or points earning rules, thresholds and caps

1% cashback on eligible retail. Advertised 10% annual bonus is a top-up on earned cashback, not a 10% spending reward.

Monthly spend gate: See issuer conditions. Monthly reward cap: See specific categories and issuer terms. Reward earning delay: 0 modelled months.

First-year AED value and conditional welcome offers

The benchmark produces AED 1,440 estimated first-year headline value. It assumes AED 10,000 monthly spending across the stated categories and does not include borrowing costs or unmodelled perks.

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.

Calculate this card using your own monthly spending. The interactive panel below applies current offer dates and exposes the full fee and welcome breakdown.

FEE 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

Min. salary: AED 30,000

Cinema BOGOLounge access

Annual fee AED 1,050Conditional first-year waiver

ESTIMATED FIRST-YEAR VALUE

AED 1,440

Partial estimate · see details

View 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 assumptions

View bank offer Add to compareCard details & offers

Rewards, fees & important conditions

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 2026-10-18

Current HSBC tariff, effective 6 October 2026

Official Cash+ cashback bonus terms

Official campaign 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 waiver

Apply 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 terms

HSBC

Cash+ Credit Card

Regular welcome offer

Qualifying welcome value: AED 0.

Promotional sign-up booster

First-year annual-fee waiver

Apply 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 terms

Fees, rewards & eligibility

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 2026-10-18

Current HSBC tariff, effective 6 October 2026

Official Cash+ cashback bonus terms

Official campaign 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

Lounge, cinema, valet and golf conditions

• Airport lounges: 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.
• Cinema: Buy 1 Get 1 cinema tickets after AED 10,000 calendar-month spend; booking and provider conditions apply.
• Valet: No published benefit verified
• Golf: No published benefit verified

Exclusions and important product notes

• 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 sources and application information

• Cash+ Credit Card official product terms
• HSBC: Current HSBC tariff, effective 6 October 2026
• HSBC: Official Cash+ cashback bonus terms
• HSBC: Official campaign terms
• Cash+ Credit Card official artwork source

Eligibility is subject to the bank’s full assessment. Figures are a source-reviewed snapshot. Confirm current terms before applying. Read the reward calculation and Dirham Score methodology.