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HSBC Gold Credit Card

HSBC Gold Credit Card

Your HSBC Gold Chip-enabled Credit Card is embedded with state of the art microchip technology for faster transaction processing and enhanced security. It is recognized in over 32 million establishments worldwide, offering you benefits at home and abroad.

Your HSBC Gold Credit Card offers:

No Annual Fee for First 12 Months


And AED 400 thereafter if the minimum spend of AED 5,000 is not met

40% Cash Advance


Get up to 40% of your available credit limit as cash advance

HSBC Entertainer Mobile App


Free download of our ’Buy 1 Get 1 Free’ mobile app with over 8,000 offers across 15 countries.

0% Flexi Installment Plan (FIP)


You can make purchases using your HSBC Gold Credit Card and pay in easy monthly installments at 0% interest

Competitive Interest Rate


You can benefit from a competitive monthly interest rate of 2.99% on retail purchases

Air Miles Rewards Programme


Earn 1.5 Air Mile for every AED 2 spent on retail with your HSBC Advance Credit Card

Minimum Monthly Payment


Pay as low as a minimum of 5% of your monthly outstanding balance or AED 100 (whichever is higher)

Unlimited Supplementary Cards


Get an unlimited number of free supplementary credit cards to share among your family and friends






The HSBC Credit Cards features detailed on this website are subject to change from time to time.

Your HSBC Gold Credit Card provides a number of privileges and rewards, whether you are at home or abroad.

Dining, travel, and entertainment discounts


HSBC Entertainer app with over 8,000 ‘Buy 1 Get 1 Free’ offers across 15 countries


Redeem Air Miles for flights with any airline


Show all Hide all


The HSBC Credit Cards features detailed on this website are subject to change from time to time.








Credit Shield Plus is provided by American Life Insurance Company (MetLife).




Effective July 2009, the HSBC Classic Credit Card is no longer offered to Customers. Fees outlined below for all the different types of cards offered are applicable to existing cardholders only.

Description Platinum Platinum Select Gold Classic
Primary card annual fee AED 600 No annual fee AED 400 AED 150
Supplementary cards (shared limit) No annual fee No annual fee No annual fee No annual fee
Supplementary cards (one time set-up fee for separate limit) AED 100 AED 75 AED 75 AED 50
Minimum payment 5% of Outstanding Balance or AED 100 (whichever is higher) per month
Finance charge on purchases per annum* 35.88%
Finance charge on cash advances per annum* 36%
Cash advance fee 3% of total amount (Minimum AED 100)
Card replacement fee Free
Late payment fee AED200
Over limit fee AED175
Copy of sales slip / Credit Card statement AED25
Returned cheque fee AED100
Charge for disputing a transaction subsequently found to be genuine AED100
Withdrawals from your Current / Savings Account through a VISA /PLUS, Master / CIRRUS ATM Abroad AED20 per transaction
Withdrawals from your Current / Savings Account at an HSBC ATM Inside the UAE: Free
Outside the UAE: AED 10 per transaction
Foreign currency processing fee** 2.80%
Foreign Currency Exchange rate The exchange rate is applied by MasterCard / VISA
Credit Shield Plus 0.6% of Outstanding Balance
Monthly paper statement charges AED10 per statement
eStatement charges Free

Transactions conducted at Exchange Houses will be treated as Cash Advance and will be subject to applicable fees & charges as set out above.

* Will increase by 1% for so long as the Cardholder is overdue on the payment. Original Finance Charge rates will be re-instated when Cardholder is not overdue from the next statement date. In addition, a Collection Agency Fee will be charged to the Cardholder's Account when the Bank appoints an external Collection Agency to follow up on the outstanding payment.

** A processing fee will be charged for international / foreign currency transactions (i.e. any transaction not in your billing currency). Such transactions will first be converted to your billing currency at the applicable foreign currency exchange rate. The processing fee will be charged as a percentage of the transaction amount , after it has been converted to the billing currency using this applicable rate.



Access your account, from anywhere.

  • Pay your personal Etisalat or DEWA bills, via Phone Banking and online banking. Please allow three days for your payment to be debited from your account
  • Pay your card bill quickly and easily - via Phone Banking and online banking, in person at your branch or put a cheque in the post. See the table below to find out more on other easy payment options.
Your payment options How to pay your HSBC Gold Credit Card bill: How long it takes to be credited to your account
Free Autopay Service Call 600 55 4722 to set up a standing instruction to debit your HSBC Current or Savings account every month. Pay 5% to 100% of your monthly outstanding balance. 1 working day
Online banking Transfer money to your credit card account. 1 working day
Cash deposit machines Pay your bill instantly by depositing cash at any of the HSBC Cash Deposit Machines in the UAE. 1 working day
ATMs Transfer money from your HSBC Current or Savings account to your HSBC credit card, from any HSBC ATM in the UAE or worldwide.

Or deposit cash or cheques at any HSBC ATMs in the UAE.
2 working days for cash payments

7 working days for cheque payments
Branches Deposit cash or cheques at any HSBC branch in the UAE. (You may be charged a fee if your cheque is dishonoured.)

Each HSBC Branch Teller transaction incurs an AED25 fee. If you're a Premier and Advance customer, you don't have to pay this fee.
1 working day for cash payments


7 working days for cheque payments
Phone Banking Call our Phone Banking Service on 600 55 4722 to transfer money to your HSBC Card account. 1 working day
Mailing your payment
(No cash)
Please write your HSBC Credit Card number on the reverse side of the cheque/draft and attach the bottom tear-off portion of your Card Statement, to ensure prompt credit into your HSBC Card account. Allow sufficient time for payment to be credited to your
account.
Direct Debit Please visit any of our HSBC Branch or Customer Service Centers to register for the Direct Debit Authority for payments towards your HSBC Credit Card. 2 working days

 


Important Information


This promotion is offered by Visa and not HSBC Bank Middle East Limited or any other HSBC group entity ("HSBC"). HSBC does not accept any responsibility and makes no representations about this promotion. When activating this link you leave www.hsbc.ae website and HSBC has not carried out any checks on the websites of third parties, nor is it liable in any way for their content or terms and conditions.



Important Information

This link may allow you to access a non - HSBC website. HSBC Bank Middle East Limited has no control over the linked website and is not liable for your use of it.


Important Information

This link may allow you to access a non - HSBC website. HSBC Bank Middle East Limited has no control over the linked website and is not liable for your use of it.


Important Information

This link may allow you to access another HSBC Group website. Please read the terms and conditions of the linked website, which may differ from the terms and conditions of HSBC Bank Middle East Limited website.


Arabic

HSBC Gold Credit Card

HSBC Gold Credit Card

Overview

Your HSBC Gold Chip-enabled Credit Card is embedded with state of the art microchip technology for faster transaction processing and enhanced security. It is recognized in over 32 million establishments worldwide, offering you benefits at home and abroad.

Your HSBC Gold Credit Card offers:

  • No Annual Fee for First 12 Months
    And AED 400 thereafter if the minimum spend of AED 5,000 is not met
  • 40% Cash Advance
    Get up to 40% of your available credit limit as cash advance
  • HSBC Entertainer Mobile App
    Free download of our ’Buy 1 Get 1 Free’ mobile app with over 8,000 offers across 15 countries.
  • 0% Flexi Installment Plan (FIP)
    You can make purchases using your HSBC Gold Credit Card and pay in easy monthly installments at 0% interest
  • Competitive Interest Rate
    You can benefit from a competitive monthly interest rate of 2.99% on retail purchases
  • Air Miles Rewards Programme
    Earn 1.5 Air Mile for every AED 2 spent on retail with your HSBC Advance Credit Card
  • Minimum Monthly Payment
    Pay as low as a minimum of 5% of your monthly outstanding balance or AED 100 (whichever is higher)
  • Unlimited Supplementary Cards
    Get an unlimited number of free supplementary credit cards to share among your family and friends

The HSBC Credit Cards features detailed on this website are subject to change from time to time.

 

Privileges and rewards:
VALTRANS and Air Miles terms and conditions apply in relation to these offers.

Credit Card terms and conditions, and fees and charges apply.

Privileges & Rewards

Your HSBC Gold Credit Card provides a number of privileges and rewards, whether you are at home or abroad.

  • Dining, travel, and entertainment discounts
  • HSBC Entertainer app with over 8,000 ‘Buy 1 Get 1 Free’ offers across 15 countries
  • Redeem Air Miles for flights with any airline


 

  Air Miles Rewards Programme

  Free HSBC Entertainer mobile app

  Special offers at home

  Special offers abroad

The HSBC Credit Cards features detailed on this website are subject to change from time to time.

 

VALTRANS and Air Miles terms and conditions apply in relation to these offers.

Credit Card terms and conditions, and fees and charges apply.

Protection

  Credit Shield Plus

Credit Shield Plus is provided by American Life Insurance Company (MetLife).

 

Credit Card terms and conditions, and fees and charges apply.

Fees, Charges & Payments

Effective July 2009, the HSBC Classic Credit Card is no longer offered to Customers. Fees outlined below for all the different types of cards offered are applicable to existing cardholders only.

Description Platinum Platinum Select Gold
Primary card annual fee AED 600 No annual fee AED 400
Supplementary cards (shared limit) No annual fee No annual fee No annual fee
Supplementary cards (one time set-up fee for separate limit) AED 100 AED 75 AED 75
Minimum payment 5% of Outstanding Balance or AED 100 (whichever is higher) per month
Finance charge on purchases per annum* 35.88%
Finance charge on cash advances per annum* 36%
Cash advance fee 3% of total amount (Minimum AED 100)
Card replacement fee Free
Late payment fee AED200
Over limit fee AED175
Copy of sales slip / Credit Card statement AED25
Returned cheque fee AED100
Charge for disputing a transaction subsequently found to be genuine AED100
Withdrawals from your Current / Savings Account through a VISA /PLUS, Master / CIRRUS ATM Abroad AED20 per transaction
Withdrawals from your Current / Savings Account at an HSBC ATM Inside the UAE: Free
Outside the UAE: AED 10 per transaction
Foreign currency processing fee** 2.80%
Foreign Currency Exchange rate The exchange rate is applied by MasterCard / VISA
Credit Shield Plus 0.6% of Outstanding Balance
Monthly paper statement charges AED10 per statement
eStatement charges Free

Transactions conducted at Exchange Houses will be treated as Cash Advance and will be subject to applicable fees & charges as set out above.

* Will increase by 1% for so long as the Cardholder is overdue on the payment. Original Finance Charge rates will be re-instated when Cardholder is not overdue from the next statement date. In addition, a Collection Agency Fee will be charged to the Cardholder's Account when the Bank appoints an external Collection Agency to follow up on the outstanding payment.

** A processing fee will be charged for international / foreign currency transactions (i.e. any transaction not in your billing currency). Such transactions will first be converted to your billing currency at the applicable foreign currency exchange rate. The processing fee will be charged as a percentage of the transaction amount , after it has been converted to the billing currency using this applicable rate.


Access your account, from anywhere.

  • Pay your personal Etisalat or DEWA bills, via Phone Banking and online banking. Please allow three days for your payment to be debited from your account
  • Pay your card bill quickly and easily - via Phone Banking and online banking, in person at your branch or put a cheque in the post. See the table below to find out more on other easy payment options.

 

Your payment options: How to pay your HSBC Advance Credit Card bill: How long it takes to be credited to your account
Free Autopay Service Call 600 55 4722 to set up a standing instruction to debit your HSBC Current or Savings account every month. Pay 5% to 100% of your monthly outstanding balance. 1 working day
Online Banking
Transfer money to your Credit Card. 1 working day
Cash deposit machines Pay your bill instantly by depositing cash at any of the HSBC Cash
Deposit Machines in the UAE.
1 working day
ATMs Transfer money from your HSBC Current or Savings account to your HSBC Credit Card, from any HSBC ATM in the UAE or
worldwide.

Or deposit cash or cheques at any HSBC ATMs in the UAE.
2 working days for cash payments


7 working days for cheque payments
Branches Deposit cash or cheques at any HSBC branch in the UAE. (You may be charged a fee if your cheque is dishonoured).

Each HSBC Branch Teller transaction incurs an AED 25 fee. Because you're an Advance customer, you don't have to pay this fee.
1 working day for cash payments


7 working days for cheque payments
Phone Banking Call our Phone Banking Service on 600 55 4722 to transfer money to your HSBC card account. 1 working day
Mailing your payment
(No cash)
Please write your HSBC Credit Card number on the reverse side of the cheque/draft and attach the bottom tear-off portion of your Card Statement, to ensure prompt credit into your HSBC Card account. Allow sufficient time for payment to be credited to your account.
Direct Debit Please visit any of our HSBC Branch or Customer Service Centers to register for the Direct Debit Authority for payments towards your HSBC Credit Card. 2 working days

 

Credit Card terms and conditions, and Fees & Charges apply.

You are leaving hsbc.ae

This link may allow you to access a non - HSBC website. HSBC Bank Middle East Limited has no control over the linked website and is not liable for your use of it.

You are leaving hsbc.ae

This link may allow you to access a non - HSBC website. HSBC Bank Middle East Limited has no control over the linked website and is not liable for your use of it.

You are leaving hsbc.ae

This link may allow you to access a non - HSBC website. HSBC Bank Middle East Limited has no control over the linked website and is not liable for your use of it.

You are leaving hsbc.ae

This link may allow you to access another HSBC Group website. Please read the terms and conditions of the linked website, which may differ from the terms and conditions of HSBC Bank Middle East Limited website.

Proceed

You are leaving hsbc.ae

This link may allow you to access another HSBC Group website. Please read the terms and conditions of the linked website, which may differ from the terms and conditions of HSBC Bank Middle East Limited website.

Proceed

You are leaving hsbc.ae

This link may allow you to access a non - HSBC website. HSBC Bank Middle East Limited has no control over the linked website and is not liable for your use of it.

Proceed

You are leaving hsbc.ae

This link may allow you to access a non - HSBC website. HSBC Bank Middle East Limited has no control over the linked website and is not liable for your use of it.

Proceed

You are leaving hsbc.ae

This link may allow you to access another HSBC Group website. Please read the terms and conditions of the linked website, which may differ from the terms and conditions of HSBC Bank Middle East Limited website.

Proceed

How to apply

Are you already an HSBC UAE customer?

Or call: 600 55 4722

What if I'm not eligible

HSBC works to develop products and services to meet your requirements. To simplify the criteria for each product we provide a minimum salary or deposit criteria.


Find out more about HSBC Gold Credit Card

Thank you for wishing to bank with HSBC. To apply for this product simply click Apply Now to fill out your details and let one of our experienced HSBC representatives call you back. Alternatively you can call us on the number below, whatever is more convenient for you.

Or call: 600 55 4722