Habib Bank AG Zurich Classic
Habib Bank AG Zurich Classic is a UAE credit card with bank-specific benefits. Self-employed business owners only. Its minimum salary is unconfirmed; ask the issuer. The listed annual fee is AED 105. A reliable AED reward estimate is not yet available.
Bank terms reviewed 2026-10-24. Independent comparison; bank approval is required.
Dirham Score 2.5/560% data coverage · editorial methodHow this score works
- + Official fees and product sources linked
- + Official product sources linked
- + Reward limitations disclosed
- − Annual reward forecast unavailable
- − Salary minimum needs bank confirmation
Explore all Habib Bank AG Zurich cards and accounts · Conventional credit card · Primary bank sources reviewed 2026-10-24
Salary eligibility, annual fees and borrowing charges
- Minimum monthly salary
- Unconfirmed — ask the bank
- Annual fee
- AED 105
- Bank FX charge
- 2.625%; scheme fees may apply
- Monthly interest rate
- 1.99%
- Reward programme
- Other rewards
- Salary transfer required
- No published requirement
AED 105.00 including 5% VAT. No first-year or renewal waiver is assumed.
Self-employed business owners onlyThe September 2026 KFS limits this product to self-employed company owners whose business banks with HBZ. Minimum business income is AED 60,000 per year, pro rata to the applicant’s shareholding. This is not a published AED 5,000 salary-card route.
Cashback or points earning rules, thresholds and caps
No recurring cashback or points earning schedule was established. Visa offers have separate conditions and are not valued as annual cash rewards.
Published rates are reference terms; the bank’s transaction-level gates, classifications and rounding still apply. No annual aggregate forecast is calculated.
| Spend category | Published model rate | Category cap / month | Below-gate rate |
|---|
Why this card has no annual AED forecast
No recurring points or cashback earning schedule has been verified. Visa discounts and unpriced benefits are excluded from annual value estimates.
Published earning rates, known fees and bank conditions remain available in this review.
Check Habib Bank AG Zurich's official reward termsFirst-year AED value and conditional welcome offers
An annual reward forecast is not available for this card. Review the programme and transaction limitations below.
No recurring points or cashback earning schedule has been verified. Visa discounts and unpriced benefits are excluded from annual value estimates.
Use the personal card selector to compare cards with supported forecasts. The offer details below retain this card’s verified conditions.
Full offer and qualification details for Habib Bank AG Zurich Visa Classic Credit Card
Habib Bank AG Zurich Visa Classic Credit Card
Dirham Score 2.5/560% data coverage · editorial methodHow this score works
- + Official fees and product sources linked
- + Official product sources linked
- + Reward limitations disclosed
- − Annual reward forecast unavailable
- − Salary minimum needs bank confirmation
AED 105.00 including 5% VAT. No first-year or renewal waiver is assumed.
Self-employed business owners onlyThe September 2026 KFS limits this product to self-employed company owners whose business banks with HBZ. Minimum business income is AED 60,000 per year, pro rata to the applicant’s shareholding. This is not a published AED 5,000 salary-card route.
View breakdown
No recurring points or cashback earning schedule has been verified. Visa discounts and unpriced benefits are excluded from annual value estimates.
Calculation assumptionsRewards, fees & important conditions
Read the full Habib Bank AG Zurich Visa Classic Credit Card review and fee maths
No recurring cashback or points earning schedule was established. Visa offers have separate conditions and are not valued as annual cash rewards.
No cinema benefit verified. · No airport lounge entitlement: the current bank comparison lists LoungeKey as not applicable for this tier.
Monthly interest rate: 1.99%. Bank FX charge: 2.625%.
No recurring points or cashback earning schedule has been verified. Visa discounts and unpriced benefits are excluded from annual value estimates.
The KFS requires repayment through the HBZ account and may require a security cheque equal to 120% of the card limit. Credit approval remains separate from business income.
The current tariff shows a 2.5% foreign-currency conversion fee plus 5% VAT on that fee: 2.625% of the transaction. It also applies to AED transactions at merchants outside the UAE; any additional scheme or exchange-rate effects are not fully verified.
Cash advances have separate charges and do not earn an assumed reward. Borrowing charges and lifestyle offers are excluded from the value model.
Official bank source · checked 2026-10-24Consumer credit card comparison, June 2026
Credit card KFS, September 2026
Personal tariff valid until 31 December 2026
Exact embedded card image from the official June 2026 Consumer Credit Cards Comparison, page 1. The current product page’s older Infinite image differs; the current comparison artwork is used. Image source
Lounge, cinema, valet and golf conditions
- Airport lounges: No airport lounge entitlement: the current bank comparison lists LoungeKey as not applicable for this tier.
- Cinema: No current offer verified
- Valet: No published benefit verified
- Golf: No published benefit verified
Exclusions and important product notes
- The KFS requires repayment through the HBZ account and may require a security cheque equal to 120% of the card limit. Credit approval remains separate from business income.
- The current tariff shows a 2.5% foreign-currency conversion fee plus 5% VAT on that fee: 2.625% of the transaction. It also applies to AED transactions at merchants outside the UAE; any additional scheme or exchange-rate effects are not fully verified.
- Cash advances have separate charges and do not earn an assumed reward. Borrowing charges and lifestyle offers are excluded from the value model.
Other charges to check in the official tariff
Supplementary card, cash advance and late-payment fees are not consistently verified across this catalogue. They are not assumed to be zero and are excluded from rewards-only estimates. Check the linked bank schedule and key facts statement before borrowing.
How this card compares
These alternatives share its published salary bracket and broad reward type. Values use the same AED 10,000 monthly benchmark, rather than paid placement. Bank-specific approval and exclusions still apply.
Emirates Islamic Switch Cashback Card
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Compare Habib Bank AG Zurich Visa Classic Credit Card with Emirates Islamic Switch Cashback CardADIB Cashback Visa Covered Card
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Compare Habib Bank AG Zurich Visa Classic Credit Card with ADIB Cashback Visa Covered CardCBD Al Islami Super Saver Visa Signature Credit Card
CBD · minimum salary Confirm with bank
Compare Habib Bank AG Zurich Visa Classic Credit Card with CBD Al Islami Super Saver Visa Signature Credit CardHabib Bank AG Zurich Classic FAQs
What salary do you need for Habib Bank AG Zurich Classic?
A current minimum monthly salary is not confirmed in this record. Ask the bank before applying; salary alone never guarantees approval.
What is the annual fee for Habib Bank AG Zurich Classic?
The listed annual fee is AED 105. AED 105.00 including 5% VAT. No first-year or renewal waiver is assumed.
Does the estimated value include borrowing costs?
No. The reward calculations assume full, on-time repayment and exclude interest or profit charges. The personal card calculator also excludes FX charges and unpriced lifestyle perks; the detailed rewards calculator can deduct verified FX charges.
Official bank sources and application information
- Habib Bank AG Zurich Visa Classic Credit Card official product terms
- Habib Bank AG Zurich: Consumer credit card comparison, June 2026
- Habib Bank AG Zurich: Credit card KFS, September 2026
- Habib Bank AG Zurich: Personal tariff valid until 31 December 2026
- Habib Bank AG Zurich Visa Classic 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.