Gold Credit Card
Choose a card with great travel benefits.
Make the most of our latest offer*:
- 0% balance transfer for 6 months when you transfer your credit card balance from another bank. Processing fee of AED100
- Salary starting from AED7,500 per month
- Up to 56 days interest free credit on purchases - when you settle your monthly outstanding balance in full
- Competitive interest rate - on retail purchases
- 40% cash advance - of your available credit limit, if you need
- Enjoy 0% interest with HSBC 0% Flexi Instalment Plan on monthly Instalments and get great offers and discounts at Red Flag outlets
- Up to 2 supplementary credit cards - to share amongst your family. The Cards are at no charge, if your Card limit is shared
Air Miles Rewards Programme
Earn 1.5 Air Mile for every AED2 spent on your Gold credit card on retail purchases to redeem for airline tickets of your choice, shopping vouchers, electronics, entertainment and accommodation, or donations to charity. It's up to you.
Details
Collecting Air Miles is easy:
- Get Air Miles twice at over 1,500 outlets in the UAE, by showing your Air Miles card when you shop with your HSBC credit card
Use your HSBC Gold credit card to buy a return ticket for AED4,000 and earn 3,000 miles. And if you book your ticket via Al Rostamani Travel and Holidays, you'll earn an extra 2,000 Air Miles giving you 5,000 Air Miles.
Go to airmilesme.com or call +971 4 3913400 for more details
Air Miles collected on your HSBC Gold credit card will be featured on your card statement and are transferred to your Air Miles account every month.
HSBC Traveller
HSBC Traveller with Al Rostamani Travel and Holidays. Enjoy any three of the following privileges* at Dubai, Sharjah, and Abu Dhabi International Airports:
Details
- Airport transfer to or from the airport
- Meet and Assist' service on departure and arrival
- Access to all designated airport lounges - regardless of how often you travel or which class you fly
Just spend over AED2,500 and book you and your travel companion's next trip with your HSBC Gold credit card, via Al Rostamani Travel and Holidays. *
To book call 800 4077
HSBC Credit Shield Plus**
Waives the outstanding balance on your credit card, in the unfortunate event of death or permanent total disability. It also waives your minimum monthly instalment in the event of Involuntary Loss of Employment for employed eligible card holders, or Temporary Total Disability for self-employed cardholders
You can enjoy this benefit for just 0.65% of your monthly outstanding balance which will be reflected in your monthly card statement.
Travel Protect**
Protect your family against medical expenses for accidents or sickness, Emergency Medical Evacuation, flight delays, baggage delays or loss, and death repatriation. Just book you and your family's airfare with your HSBC Gold Credit Card to get this annual multi-trip policy.
To get covered, it costs just AED205 a year. Please allow 3 weeks from the date of application for the certificate of insurance.
Secure Wallet**
Get up to USD2,000 back on any on fraudulent transactions that took place on your card within 48 hours, due to loss or theft. We'll also replace any ID and keys that may have been lost or stolen, at the same time.
To get covered, it costs just AED55 per year, per card. Please allow 3 weeks from the date of application for the certificate of insurance.
Purchase Protection**
Shop and be automatically protected against accidental damage, loss or theft - up to a maximum of USD2,500 per claim annually.
Access your account, from anywhere.
- Pay your personal Etisalat or DEWA bills, via Phone Banking and Internet Banking. Please allow three days for your payment to be credited in your Card account
- Pay your card bill quickly and easily - via Phone Banking and Internet Banking, in person at your branch or put a cheque in the post. See the table below for more details on other easy payment options.
| Easy 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 |
| Internet 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 |
| Money Exchange | Pay your bill in cash, free of
charge at any of the UAE Exchange or Al Ansari Exchange, Al Fardan Exchange, Wall Street Exchange houses and Al Ghurair Exchange Centre in the UAE. (Maximum AED20,000 per day). |
2 working days |
| Service Stations | Pay your bill with cash at any EPPCO/ENOC service stations across the UAE. | 2 working days |
| 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. |
Effective July 2009, HSBC Classic Credit Cards are no longer offered to Customers. Fees outlined below for all these Cards are applicable to existing cardholders only.
| Description | VISA Platinum | VISA/ MasterCard Gold | VISA/ MasterCard Classic/Standard |
|---|---|---|---|
| Primary card annual fee | AED600 | AED400 | AED150 |
| Supplementary cards (shared limit) | 2 Free | 2 Free | 2 Free |
| Supplementary cards (set-up fee for separate limit) | AED100 | AED75 | AED50 |
| Minimum payment | 5% of Outstanding Balance or AED100 (Whichever is higher) | 5% of Outstanding Balance or AED100 (Whichever is higher) | 5% of Outstanding Balance or AED100 (Whichever is higher) |
| Finance charge on purchases per annum* | 35.88% | 35.88% | 35.88% |
| Finance charge on cash advances per annum* | 36% | 36% | 36% |
| Cash advance fee | 3% of total amount (Minimum AED100) | 3% of total amount (Minimum AED100) | 3% of total amount (Minimum AED100) |
| Card replacement fee | Free | Free | AED100 |
| Late payment fee | AED150 | AED150 | AED150 |
| Over limit fee | AED150 | AED150 | AED150 |
| Copy of sales slip/Credit card statement | AED25 | AED25 | AED25 |
| Returned cheque fee | AED100 | AED100 | AED100 |
| Charge for disputing a transaction subsequently found to be genuine | AED100 | AED100 | AED100 |
| Access to HSBC Current/Savings Account through VISA/Plus, Master/Cirrus or UAE Switch ATMs | AED20 per transaction | AED20 per transaction | AED20 per transaction |
| Access to HSBC Current/Savings Account through HSBC ATMs | Inside the UAE: Free Outside the UAE. AED10 per transaction | Inside the UAE: Free Outside the UAE. AED10 per transaction | Inside the UAE: Free Outside the UAE. AED10 per transaction |
| Foreign currency transactions (Card transactions not in your billing currency will be converted at a wholesale market rate attracting a processing fee) | 2.60% | 2.80% | 2.80% |
| Credit Shield Plus | 0.65% of Outstanding Balance | 0.65% of Outstanding Balance | 0.65% of Outstanding Balance |
| Paper statement charges | AED10 per statement | AED10 per statement | AED10 per statement |
Transactions conducted at Exchange Houses will be treated as Cash Advance and will be subject to applicable fees and charges as set out above.
* Subject to increase by 1% in case Cardholder is more than one payment overdue. Original Finance Charge rates will be re-instated when Cardholder is not more than one payment overdue. 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.
Primary applicant
You need to complete the credit card application process by personally visiting any HSBC UAE Branches or Customer Service Centers, with the following documents:
- Original passport
- Valid residence visa (for non-GCC national customers only)
- Proof of UAE residence in the from of either a utility bill/rental agreement/employment letter (for GCC national customers only)
- Security Cheque to be signed by customer for credit card (not applicable if customer is Premier by deposit)
- Original Salary certificate issued in the last three months
or
- Last two months payslips in original
or
- Last two months bank statements in original where your salary has been credited
Supplementary applicant
If you have applied for a supplementary card, you will also need to submit the following documents:
- Copy of passport
- Valid residence visa only for separate limit supplementary card (for non-GCC national customers only)
If you've been wanting to surprise your family, now is the time to apply.