Credit Card - Frequently Asked Questions

You can apply for an HSBC Credit Card in various ways. You can

? Apply Online
? Download application form: Print and fill the form and submit it to your nearest Branch
? Apply on the Phone: Call us now on 800 7010 and let a representative help you
? Apply while you shop: Visit the nearest Customer Service Centre
? Visit the nearest HSBC Branch

Your card will reach you within one week after we receive your completed application form. However, the Bank reserves the right to approve or decline your application.

You can contact us on our 24-hour toll free number 800 HSBC (800 4722)

Yes, you can. However the Bank reserves the right to approve or decline your application for a second Credit card.

The credit limits vary on a case to case basis depending on various criteria, like your income, the card type you have applied for, etc. You can ask for a credit limit enhancement after 6 months of card ownership. Send in your request, with proof of your latest income.

The Cash advance limit depends on your Card type. The table below lists the cash advance limit per Card type:

Classic: Up to 30% of available Credit Limit
Gold: Up to 40% of available Credit Limit
Platinum: Up to 50% of available Credit Limit
Premier: Up to 50% of available Credit Limit

When you conduct a Cash Advance transaction you are charged a fee of 3% of the withdrawal amount or AED 100 (whichever is higher.) This is in addition to the finance charge applicable on the amount withdrawn as Cash Advance. The applicable Cash Advance finance charge on Cash Advance is 3% per month for all Cards except Premier & Amanah.

The Cash Advance finance charge for Premier Cardholders 1.85% per month.

For Amanah Credit Cardholders, the Cash Advance fee is AED 60 with the cash withdrawal limit per transaction as AED 2,000.

When you use your card outside the UAE, the currency of your transaction will be converted into UAE Dirhams (AED) at a wholesale market rate. For all foreign currency transactions, a processing fee will be levied. For details of the current rates and fees, please click the links below:

? Service Charges for Classic, Gold and Platinum Credit Cards
? Service Charges for Etihad Guest Credit Cards
? Service Charges for Premier Credit Cards
? Service Charges for Amanah Credit Cards

You will need the PIN to use the ATM facility. You must not reveal your PIN to anybody and it is recommended that you change the number immediately.

Call us on 800 HSBC, and we will issue you a new PIN.

You have the following easy option to make your credit Card payment:
? Mailing Cheque/ Draft
? Free Autopay service
? ATMs - Cash/Cheque
? Phone Banking
? Internet Banking
? UAE Exchange Centre ? Cash
? Al Ansari Exchange Centre ? Cash
? Al Fardan Exchange Centre ? Cash
? Wall Street Exchange Centre ? Cash
? Al Ghurair Exchange Centre - Cash
? EPPCO and ENOC Stations - Cheque

You can withdraw a maximum of AED 8,000 per day using your HSBC Card through ATMs.

HSBC Premier Cardholders can withdraw a maximum of AED 12,000 per day.

Air Miles is the world?s leading loyalty programme that rewards you for everyday shopping. Being an HSBC Credit Cardholder, you are already enrolled into this programme and earn Air Miles every time you spend on purchases using your HSBC Credit Card. The amount of Air Miles that you receive as an HSBC Cardholder depends on the type of Card you hold, as illustrated below:

? Premier / Platinum: 1 Air Mile earned for every AED 1 spent on purchases
? Gold / Amanah Gold / Classic / Amanah Classic: 1 Air Mile earned for every AED 2 spent on purchases

Within 3 weeks of receiving your HSBC Credit Card, you will also receive your blue Air Miles Card. The blue Air Miles Card is accepted at over 1,500 outlets in the UAE. Simply use your blue Air Miles Card together with your HSBC Credit Card in any of these outlets and you will earn Air Miles twice!

You can redeem your Air Miles for a wide range of exciting rewards. For details about participating outlets, rewards and more, please visit www.airmilesme.com. Alternatively, you can redeem your Air Miles by calling the Air Miles service centre number +9714-3913400 if you?re a Classic or Gold Cardholder. Platinum and Premier Cardholders can call the Air Miles premium line at +9714-3913401

HSBC cards offers you two types of supplementary cards, shared limit supplementary and separate limit supplementary. You can go for a separate limit supplementary card in which you can fix a limit on the card if you want to control the usage.

The Supplementary Cardholder can also enjoy the same benefits that a shared limit Supplementary Cardholder enjoy. These benefits include Travel benefits and Insurance benefits like Purchase Protection etc.