HSBC Private Bank
HSBC Private Bank 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 4.0/560% data coverage · editorial methodHow this score works
- + Published free-for-life annual fee
- + Published airport lounge benefit
- + Published golf privilege
- − 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 Private Bank Account is required. This is a relationship product; no general salary threshold is published.
Cashback or points earning rules, thresholds and caps
Eligible travel merchants: 2.5 Points per AED 1; Online and foreign-currency retail: 1.5 Points per AED 1; Other 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 travel merchants | 2.5 Points per AED 1 | Not established | Airline, hotel and car-rental merchant categories |
| Online and foreign-currency retail | 1.5 Points per AED 1 | Not established | One earning category per transaction; rewards do not stack |
| Other eligible retail | 1 Point per AED 1 | Not established | International AED purchases count as general retail; fees are excluded |
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 Private Bank Credit Card
HSBC Private Bank Credit Card
Dirham Score 4.0/560% data coverage · editorial methodHow this score works
- + Published free-for-life annual fee
- + Published airport lounge benefit
- + Published golf privilege
- − Annual reward forecast unavailable
- − Salary minimum needs bank confirmation
An HSBC Private Bank Account is required. This is a relationship product; no general salary threshold is published.
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 Private Bank Credit Card review and fee maths
Eligible travel merchants: 2.5 Points per AED 1; Online and foreign-currency retail: 1.5 Points per AED 1; Other eligible retail: 1 Point per AED 1
Buy 1 Get 1 movie tickets advertised; confirm the Private Bank card’s spending requirement and ticket allowance. · 14 complimentary visits a year for the cardholder and one guest through Mastercard Travel Pass; cross-border spending of at least USD 1 every three months is required. Additional guests cost USD 32.
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.
The card requires successfully opening an HSBC Private Bank Account. General salary eligibility is not published. No annual card fee applies.
Earn 2.5 HSBC Points per AED 1 at eligible travel merchants, 1.5 Points on eligible online or foreign-currency spending, and 1 Point on other eligible retail. Categories do not stack. Black Card anniversary points do not apply to this product.
Mastercard Travel Pass provides 14 complimentary visits a year for the cardholder and one guest. A cross-border transaction of at least USD 1 is required every three months; additional guests cost USD 32.
Golf and cinema privileges are subject to provider terms and qualifying spending. Confirm the Private Bank card’s current cinema ticket allowance and spending requirement before booking.
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: 14 complimentary visits a year for the cardholder and one guest through Mastercard Travel Pass; cross-border spending of at least USD 1 every three months is required. Additional guests cost USD 32.
- Cinema: Buy 1 Get 1 movie tickets advertised; confirm the Private Bank card’s spending requirement and ticket allowance.
- Valet: No published benefit verified
- Golf: Published benefit; qualifying conditions apply
Exclusions and important product notes
- The card requires successfully opening an HSBC Private Bank Account. General salary eligibility is not published. No annual card fee applies.
- Earn 2.5 HSBC Points per AED 1 at eligible travel merchants, 1.5 Points on eligible online or foreign-currency spending, and 1 Point on other eligible retail. Categories do not stack. Black Card anniversary points do not apply to this product.
- Mastercard Travel Pass provides 14 complimentary visits a year for the cardholder and one guest. A cross-border transaction of at least USD 1 is required every three months; additional guests cost USD 32.
- Golf and cinema privileges are subject to provider terms and qualifying spending. Confirm the Private Bank card’s current cinema ticket allowance and spending requirement before booking.
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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What salary do you need for HSBC Private Bank?
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 Private Bank?
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 Private Bank Credit Card official product terms
- HSBC: Official product page
- HSBC: Credit card KFS
- HSBC: Private Banking earning terms
- HSBC: 6 October 2026 tariff
- HSBC Private Bank 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.