HSBC · UAE CARD REVIEW

HSBC Live+ 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.

Explore all HSBC cards and accounts · Conventional credit card · Primary bank sources reviewed 2026-10-18

Salary eligibility, annual fees and borrowing charges

Minimum monthly salary

AED 12,500

Annual fee

AED 313.95

Bank FX charge

2.1%; scheme fees may apply

Monthly interest rate

3.69%

Reward programme

Cashback

Salary transfer required

No published requirement

General income minimum AED 12,500; AED 5,000 applies only to approved-company employees. The salary matcher uses the general threshold.

Cashback or points earning rules, thresholds and caps

Base earning: 0.5 % cashback.

Minimum earning gate: See published category rules. Accelerated-rate spending gate: AED 3,000. 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 3,180 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 the AED 600 qualifying spend stage; wallet and supplementary-card actions remain excluded. Direct merchant school/utility payments earn 0.5%. All projected spend must be eligible retail within the assigned credit limit.

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

LIMITED-TIME BOOSTUp to AED 800 welcome cashbackEnds 31 Dec

Conventional banking

HSBCDINING & FUEL

HSBC Live+ Credit Card

Dirham Score 3.8/5100% 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 12,500

6% dining 5% fuelCinema BOGOLounge access

Annual fee AED 313.95Conditional first-year waiver

General income minimum AED 12,500; AED 5,000 applies only to approved-company employees. The salary matcher uses the general threshold.

ESTIMATED FIRST-YEAR VALUE

AED 3,180

Partial estimate · see details

View breakdown

Regular welcome+ AED 0

Promotional booster+ AED 600

Annual rewards+ AED 2,580

Fee waiver+ AED 313.95

Joining-fee refund+ AED 0

Annual fee− AED 313.95

Actual modelled netAED 3,180

Includes the AED 600 qualifying spend stage; wallet and supplementary-card actions remain excluded. Direct merchant school/utility payments earn 0.5%. All projected spend must be eligible retail within the assigned credit limit.

Calculation assumptions

View bank offer Add to compareRead full review & fee mathsCard details & offers

Rewards, fees & important conditions

Read the full HSBC Live+ Credit Card review and fee maths

Buy 1 Get 1; AED 6,000 monthly spend required · 12 annual Visa Airport Companion visits for cardholders; make an international purchase equivalent to at least one US currency unit once per calendar year, at least 15 days before travel.

Monthly interest rate: 3.69%. Bank FX charge: 2.1%.

No separate regular welcome bonus is assumed. The dated 2026 acquisition campaign is shown separately.

Includes the AED 600 qualifying spend stage; wallet and supplementary-card actions remain excluded. Direct merchant school/utility payments earn 0.5%. All projected spend must be eligible retail within the assigned credit limit.

General income minimum AED 12,500; AED 5,000 is restricted to approved-company employees. Credit approval is separate.

AED 3,000 statement retail spend activates dining 6%, fuel 5%, supermarkets and entertainment 2%, each capped at AED 200 per category. Other eligible retail, including direct school and utility payments, earns 0.5%; below the threshold all eligible retail earns 0.5%.

Only eligible merchant retail is modelled; instalment plans, cash equivalents, bank fees, reversals and spend beyond the assigned credit limit are excluded. Entertainment is not a separate matcher input.

Cinema BOGO requires AED 6,000 in the booking month. Twelve annual Visa Airport Companion lounge visits require the stated international purchase and advance processing window.

Bank foreign currency processing is 2.1% including VAT. A separate scheme processing fee up to 1.21% including VAT can apply. Overseas AED processing is 1.05%; these are not all-in currency conversion costs.

Annual fee AED 313.95 including VAT; first-year waiver campaign requires approval by 31 December 2026. Later waiver requires AED 12,000 yearly spend.

Official bank source · checked 2026-10-18

Live+ category and direct-merchant terms

Current HSBC tariff, effective 6 October 2026

Official campaign terms

Official campaign terms

Official bank promotional artwork depicting this card. WebP copy resized without cropping or changing the depicted card. Image source

Promotional sign-up booster

Up to AED 800 welcome cashback

AED 600 after qualifying spend, plus AED 100 each for wallet and supplementary-card actions. Only the spend stage is modelled.

Ends 31 Dec · Apply by 2026-12-31 (UAE date, inclusive)

• Apply by 31 December 2026; approval by 31 January 2027. No primary HSBC card currently or in the preceding six months.
• Spend AED 6,000 in 60 days for AED 600.
• Wallet / supplementary-card first purchases within their 60-day windows each earn AED 100; neither action is assumed.
• Keep card for 180 days; first-year fee waiver requires approval by 31 December under the separate fee campaign.

Verified spending-stage cashback: +AED 600 modelled value · Spend AED 6,000 in 60 days

Qualifying extra bonus in this forecast: AED 600.

Official offer terms

HSBC

HSBC Live+ Credit Card

Regular welcome offer

No separate regular welcome bonus is assumed. The dated 2026 acquisition campaign is shown separately.

Qualifying welcome value: AED 0.

Promotional sign-up booster

Up to AED 800 welcome cashback

AED 600 after qualifying spend, plus AED 100 each for wallet and supplementary-card actions. Only the spend stage is modelled.

Ends 31 Dec · Apply by 2026-12-31 (UAE date, inclusive)

• Apply by 31 December 2026; approval by 31 January 2027. No primary HSBC card currently or in the preceding six months.
• Spend AED 6,000 in 60 days for AED 600.
• Wallet / supplementary-card first purchases within their 60-day windows each earn AED 100; neither action is assumed.
• Keep card for 180 days; first-year fee waiver requires approval by 31 December under the separate fee campaign.

Verified spending-stage cashback: +AED 600 modelled value · Spend AED 6,000 in 60 days

Qualifying extra bonus in this forecast: AED 600.

Official offer terms

Fees, rewards & eligibility

Read the full HSBC Live+ Credit Card review and fee maths

Buy 1 Get 1; AED 6,000 monthly spend required · 12 annual Visa Airport Companion visits for cardholders; make an international purchase equivalent to at least one US currency unit once per calendar year, at least 15 days before travel.

Monthly interest rate: 3.69%. Bank FX charge: 2.1%.

No separate regular welcome bonus is assumed. The dated 2026 acquisition campaign is shown separately.

Includes the AED 600 qualifying spend stage; wallet and supplementary-card actions remain excluded. Direct merchant school/utility payments earn 0.5%. All projected spend must be eligible retail within the assigned credit limit.

General income minimum AED 12,500; AED 5,000 is restricted to approved-company employees. Credit approval is separate.

AED 3,000 statement retail spend activates dining 6%, fuel 5%, supermarkets and entertainment 2%, each capped at AED 200 per category. Other eligible retail, including direct school and utility payments, earns 0.5%; below the threshold all eligible retail earns 0.5%.

Only eligible merchant retail is modelled; instalment plans, cash equivalents, bank fees, reversals and spend beyond the assigned credit limit are excluded. Entertainment is not a separate matcher input.

Cinema BOGO requires AED 6,000 in the booking month. Twelve annual Visa Airport Companion lounge visits require the stated international purchase and advance processing window.

Bank foreign currency processing is 2.1% including VAT. A separate scheme processing fee up to 1.21% including VAT can apply. Overseas AED processing is 1.05%; these are not all-in currency conversion costs.

Annual fee AED 313.95 including VAT; first-year waiver campaign requires approval by 31 December 2026. Later waiver requires AED 12,000 yearly spend.

Official bank source · checked 2026-10-18

Live+ category and direct-merchant terms

Current HSBC tariff, effective 6 October 2026

Official campaign terms

Official campaign terms

Official bank promotional artwork depicting this card. WebP copy resized without cropping or changing the depicted card. Image source

Lounge, cinema, valet and golf conditions

• Airport lounges: 12 annual Visa Airport Companion visits for cardholders; make an international purchase equivalent to at least one US currency unit once per calendar year, at least 15 days before travel.
• Cinema: Buy 1 Get 1; AED 6,000 monthly spend required
• Valet: No published benefit verified
• Golf: No published benefit verified

Exclusions and important product notes

• General income minimum AED 12,500; AED 5,000 is restricted to approved-company employees. Credit approval is separate.
• AED 3,000 statement retail spend activates dining 6%, fuel 5%, supermarkets and entertainment 2%, each capped at AED 200 per category. Other eligible retail, including direct school and utility payments, earns 0.5%; below the threshold all eligible retail earns 0.5%.
• Only eligible merchant retail is modelled; instalment plans, cash equivalents, bank fees, reversals and spend beyond the assigned credit limit are excluded. Entertainment is not a separate matcher input.
• Cinema BOGO requires AED 6,000 in the booking month. Twelve annual Visa Airport Companion lounge visits require the stated international purchase and advance processing window.
• Bank foreign currency processing is 2.1% including VAT. A separate scheme processing fee up to 1.21% including VAT can apply. Overseas AED processing is 1.05%; these are not all-in currency conversion costs.
• Annual fee AED 313.95 including VAT; first-year waiver campaign requires approval by 31 December 2026. Later waiver requires AED 12,000 yearly spend.

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.

Official bank sources and application information

• HSBC Live+ Credit Card official product terms
• HSBC: Live+ category and direct-merchant terms
• HSBC: Current HSBC tariff, effective 6 October 2026
• HSBC: Official campaign terms
• HSBC: Official campaign terms
• HSBC Live+ 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.