HSBC Premier: HSBC Points under the published conditions. National Bank of Umm Al Qaiwain NBQ Infinite: Other rewards under the published conditions. Start with eligibility, reward use and total recurring cost.
HSBC Points under the published conditions
Published minimum salary: AED 40,000 / month
Partial reward estimate · Restricted points or miles value
Other rewards under the published conditions
Published minimum salary: AED 30,000 / month
AED rewards not estimated · Reward value unconfirmed
Carrying a balance? Interest or profit charges can outweigh rewards. Check repayment costs before choosing a rewards card.
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 | HSBC Premier | National Bank of Umm Al Qaiwain NBQ Infinite |
|---|---|---|
| Minimum monthly salary | AED 40,000 | AED 30,000 |
| Modelled fees · first year | AED 0 | AED 1,050 |
| Modelled fees · ongoing year | AED 0 | AED 1,050 |
| Estimated first-year net | AED 2,240 | Not estimated |
| Estimated ongoing net / year | AED 840 | Not estimated |
| Reward redemption model | Restricted points or miles value | Reward value unconfirmed |
| Bank FX charge | 2.1%; scheme charges may apply | 2.6145%; 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.
Monthly budget: Groceries: AED 2,500; School Fees: AED 1,500; Utilities: AED 1,000; Dining: AED 1,500; Fuel: AED 1,000; Online Shopping: AED 1,000; International Spend: AED 500; Other: AED 1,000.
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.
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.
AED 1,050 including 5% VAT; current retail tariff quotes AED 1,000 before VAT. No first-year or renewal waiver established.
An annual reward forecast is not available from the verified data; this does not mean the card has no value.
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.
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.
Groceries: AED 1,000; School Fees: AED 0; Utilities: AED 300; Dining: AED 500; Fuel: AED 500; Online Shopping: AED 200; International Spend: AED 0; Other: AED 500.
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.
Groceries: AED 2,500; School Fees: AED 1,500; Utilities: AED 1,000; Dining: AED 1,500; Fuel: AED 1,000; Online Shopping: AED 1,000; International Spend: AED 500; Other: AED 1,000.
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.
Groceries: AED 1,000; School Fees: AED 0; Utilities: AED 500; Dining: AED 3,000; Fuel: AED 500; Online Shopping: AED 1,000; International Spend: AED 2,500; Other: AED 1,500.
The selector can check published eligibility and compare first-year with ongoing value for your profile.
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.
Product terms reviewed 2026-10-18.
Product terms reviewed 2026-10-24.
Read the reward calculation methodology · Browse practical UAE card comparisons