HSBC Advance
HSBC Advance is a UAE credit card with HSBC Points rewards. Qualifying banking relationship required. Its minimum salary is unconfirmed; ask the issuer. The listed annual fee is AED 0. A reliable AED reward estimate is not yet available.
Bank terms reviewed 2026-10-24. Independent comparison; bank approval is required.
Dirham Score 3.6/560% data coverage · editorial methodHow this score works
- + Published free-for-life annual fee
- + Published airport lounge benefit
- + Reward limitations disclosed
- − Annual reward forecast unavailable
- − Salary minimum needs bank confirmation
Explore all HSBC 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 0
- Bank FX charge
- 2.1%; scheme fees may apply
- Monthly interest rate
- 3.69%
- Reward programme
- HSBC Points
- Salary transfer required
- No published requirement
An HSBC Advance Account is required; UAE residents aged 18–65 can apply. Salary alone does not establish eligibility.
Cashback or points earning rules, thresholds and caps
Eligible retail: 1 Point per AED 1
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 earning | Category cap / month | Conditions |
|---|---|---|---|
| Eligible retail | 1 Point per AED 1 | No cap established in product page | HSBC Rewards exclusions and redemption rules apply |
Why this card has no annual AED forecast
Published terms are described separately; no annual reward forecast is assumed until the product-specific exclusions and qualifying conditions are represented in the calculator.
Published earning rates, known fees and bank conditions remain available in this review.
Check HSBC'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.
Published terms are described separately; no annual reward forecast is assumed until the product-specific exclusions and qualifying conditions are represented in the calculator.
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 HSBC Advance Credit Card
HSBC Advance Credit Card
Dirham Score 3.6/560% data coverage · editorial methodHow this score works
- + Published free-for-life annual fee
- + Published airport lounge benefit
- + Reward limitations disclosed
- − Annual reward forecast unavailable
- − Salary minimum needs bank confirmation
An HSBC Advance Account is required; UAE residents aged 18–65 can apply. Salary alone does not establish eligibility.
View breakdown
Published terms are described separately; no annual reward forecast is assumed until the product-specific exclusions and qualifying conditions are represented in the calculator.
Calculation assumptionsRewards, fees & important conditions
Read the full HSBC Advance Credit Card review and fee maths
Eligible retail: 1 Point per AED 1
Buy 1 Get 1 cinema offers, up to two complimentary tickets a month; AED 6,000 calendar-month spending and participating cinema terms apply. · Four complimentary visits a year through Mastercard Travel Pass; cross-border spending of at least USD 1 every three months is required. Guests cost USD 32 each.
Monthly interest rate: 3.69%. Bank FX charge: 2.1%.
Published terms are described separately; no annual reward forecast is assumed until the product-specific exclusions and qualifying conditions are represented in the calculator.
An HSBC Advance Account is required. Applicants must live in the UAE and be aged 18–65; a salary alone does not establish eligibility. No annual card fee applies.
Earn 1 HSBC Point per AED 1 of eligible retail spending. General programme exclusions and redemption terms apply.
Airport lounge access provides four complimentary visits a year through Mastercard Travel Pass. A cross-border transaction of at least USD 1 is required every three months; guests cost USD 32 each.
Cinema benefits provide up to two complimentary tickets a month under Buy 1 Get 1 offers at participating cinemas, subject to AED 6,000 calendar-month spending. The standard rate is 44.28% APR, equivalent to 3.69% monthly before any overdue uplift.
Official bank source · checked 2026-10-24Actual official bank product artwork, proportionally encoded for display. Image source
Lounge, cinema, valet and golf conditions
- Airport lounges: Four complimentary visits a year through Mastercard Travel Pass; cross-border spending of at least USD 1 every three months is required. Guests cost USD 32 each.
- Cinema: Buy 1 Get 1 cinema offers, up to two complimentary tickets a month; AED 6,000 calendar-month spending and participating cinema terms apply.
- Valet: No published benefit verified
- Golf: No published benefit verified
Exclusions and important product notes
- An HSBC Advance Account is required. Applicants must live in the UAE and be aged 18–65; a salary alone does not establish eligibility. No annual card fee applies.
- Earn 1 HSBC Point per AED 1 of eligible retail spending. General programme exclusions and redemption terms apply.
- Airport lounge access provides four complimentary visits a year through Mastercard Travel Pass. A cross-border transaction of at least USD 1 is required every three months; guests cost USD 32 each.
- Cinema benefits provide up to two complimentary tickets a month under Buy 1 Get 1 offers at participating cinemas, subject to AED 6,000 calendar-month spending. The standard rate is 44.28% APR, equivalent to 3.69% monthly before any overdue uplift.
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.
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Compare HSBC Advance Credit Card with CBD Al Islami Super Saver Visa Signature Credit CardHSBC Advance FAQs
What salary do you need for HSBC Advance?
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 HSBC Advance?
The listed annual fee is AED 0. Joining fees, recurring plan charges, borrowing costs and transaction fees may be separate. Check the linked official tariff and any waiver conditions.
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
- HSBC Advance Credit Card official product terms
- HSBC: Official product page
- HSBC: Credit card KFS
- HSBC: 6 October 2026 tariff
- HSBC: Cinema conditions
- HSBC Advance 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.