Emirates NBD Infinite: ENBD Plus Points under the published conditions. HSBC Premier: HSBC Points under the published conditions. Start with eligibility, reward use and total recurring cost.
Same AED 10,000 monthly budget, paid in full. Net value is eligible rewards plus qualifying welcome offers, less modelled card, joining and plan fees. FX charges, borrowing costs and unpriced perks are excluded.
Compare
Emirates NBD Infinite
HSBC Premier
Minimum monthly salary
AED 30,000
AED 40,000
Modelled fees · first year
AED 1,575
AED 0
Modelled fees · ongoing year
AED 1,575
AED 0
Estimated first-year net
Not estimated
AED 2,240
Estimated ongoing net / year
Not estimated
AED 840
Reward redemption model
Reward value unconfirmed
Restricted points or miles value
Bank FX charge
Unconfirmed
2.1%; scheme charges may apply
Earning spend gate
Category and programme conditions apply
Category and programme conditions apply
An AED-value winner is not established because a reward conversion or recurring fee is unconfirmed. Use the verified differences and ask the issuer about missing terms.
A higher estimate does not establish eligibility. Restricted points and miles need a redemption you can use. Benchmark calculated 2026-10-25; product terms retain the review dates below. Negative values show fees exceeding modelled rewards.
Conditional welcome and campaign value included: Not estimated. It requires the bank’s new-customer, application-date and spending conditions; it is not a guaranteed payment.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
Published annual fee including VAT: AED 1575. Confirm the issued terms.
No annual forecast: the complete current earning exclusions, redemption rules and applicable product fee treatment are not yet represented in the calculator.
HSBC Premier assumptions
Conditional welcome and campaign value included: AED 1,400. It requires the bank’s new-customer, application-date and spending conditions; it is not a guaranteed payment.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
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.
A lighter budget can miss a spending gate; a bill-heavy budget can earn reduced rates. These examples use the same rules as the personal selector.
Compare three example budgets
Light everyday · AED 3,000/month
Emirates NBD InfiniteOngoing net / year: Not estimated
HSBC PremierOngoing net / year: AED 252
An AED-value winner is not established because a reward conversion or recurring fee is unconfirmed. Use the verified differences and ask the issuer about missing terms.
Emirates NBD InfiniteOngoing net / year: Not estimated
HSBC PremierOngoing net / year: AED 840
An AED-value winner is not established because a reward conversion or recurring fee is unconfirmed. Use the verified differences and ask the issuer about missing terms.
Emirates NBD InfiniteOngoing net / year: Not estimated
HSBC PremierOngoing net / year: AED 840
An AED-value winner is not established because a reward conversion or recurring fee is unconfirmed. Use the verified differences and ask the issuer about missing terms.
Check approval criteria, payment-channel exclusions, fee waivers and the benefits you plan to use. Product-source dates are shown separately; this comparison is not bank approval.
Emirates NBD Infinite: benefit conditions and official sources
Perks and exclusions
Lounges: Visa Airport Companion access at 1,000+ lounges. Check current app registration, qualifying transactions, visit and guest conditions before travel.
Cinema: Buy-one-get-one movie benefits advertised; participating venues, booking limits and spend conditions apply.
Plus Points are a reward currency. Merchant, cashback and airline redemptions can have different values. Published point rates are not treated as guaranteed cash returns.
The bank also advertises golf and selected Abu Dhabi valet benefits. No cash saving or visit quota is inferred from the headline.
HSBC Premier: benefit conditions and official sources
Perks and exclusions
Lounges: Eight annual lounge visits via Mastercard Travel Pass; qualifying non-AED purchase in the preceding 90 days required.
Cinema: Buy 1 Get 1 cinema tickets after AED 6,000 monthly spend; current booking conditions apply.
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.
