Your HSBC Premier 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 Premier Credit Card offers:
No Annual Fee
Enjoy your HSBC Premier Credit Card without any annual membership fees.
50% Cash Advance
Get up to 50% of your available credit limit as cash advance.
0% Balance Transfer
For the first 6 months enjoy 0% interest on the balance you transfer from another bank to a new HSBC Premier Credit Card account.
HSBC Entertainer Mobile App
Free download of our ’Buy 1 Get 1 Free’ mobile app with over 8,000 offers across 15 countries.
At selected VALTRANS locations around Dubai, get up to 4 free visits per month with your HSBC Premier Credit Card.
Our Best Interest Rate of 2.25%
You can benefit from our competitive monthly interest rate of 2.25% on retail purchases.
1 Air Mile for Every AED 1 Spent
Earn Air Miles on retail purchases with our HSBC Premier Air Miles Reward Programme.
Exclusive Premier Travel Privileges
Discounted hotels and access to airport lounges, are just some of the great benefits that come with your HSBC Premier Credit Card.
Unlimited Supplementary Cards
Get an unlimited number of free supplementary credit cards to share among your family and friends.
Use your HSBC Premier Credit Card to get discounted tickets at VOX Cinemas and Meydan IMAX in the UAE.
Your HSBC Premier Credit Card provides you with exclusive travel benefits and 24 hour international support wherever you are in the world.
Exclusive dining, hotel, and entertainment discounts around the world
24 hour worldwide assistance with an emergency Cash Advance if your card is lost or stolen
Redeem Air Miles for flights with any airline
Meet and Assist service with Al Rostamani Travel and Holidays
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Your HSBC Premier Credit Card provides a number of privileges and rewards in and around the United Arab Emirates.
Dining, hotels and entertainment discounts across the Emirates
HSBC Entertainer app with over 8,000 ‘Buy 1 Get 1 Free’ offers across 15 countries
Cinema offers at VOX Cinema and Meydan IMAX
Redeem Air Miles for shopping vouchers, electronics, entertainment or donations to charity.
Travel Insurance is provided by American Home Assurance Company.
Credit Shield Plus is provided by American Life Insurance Company (Alico).
Purchase Protection is provided by MasterCard International in association with American Home Assurance Company.
|Primary card annual fee||Free|
|Supplementary cards (shared limit)||Free|
|Supplementary cards (set-up fee for separate limit)||Free|
|Minimum payment||5% of outstanding balance or AED100 (whichever is higher)|
|Finance charge on purchases per annum*||27%|
|Finance charge on cash advances per annum*||27%|
|Cash advance fee||3% of total amount (Minimum AED100)|
|Card replacement fee||Free|
|Late payment fee||AED200|
|Over limit fee||Free|
|Copy of sales slip / Credit Card monthly statement||Free|
|Returned cheque fee||AED100|
|Charge for disputing a transaction subsequently found to be genuine||Free|
|Withdrawals from your Currenct / Savings Account through a VISA /PLUS, Master / CIRRUS ATM Abroad||AED20 per transaction|
|Withdrawals from your Currenct / Savings Account at an HSBC ATM||Free|
|Foreign currency processing fee**||2.75%|
|Foreign Currency Exchange rate||The exchange rate is applied by MasterCard / VISA|
|Credit Shield Plus||0.6% of outstanding balance|
|Monthly paper statement charges||Nil|
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.
** 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.
- Pay your personal Etisalat or DEWA bills, via Phone Banking. Please allow three days for your payment to be debited from your account
- Quick and easy ways to pay your card bill - 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
|Your payment options:||How to pay your HSBC Premier Credit Card bill:||How long it takes to be credited to your account|
|Free Autopay Service||Call 800 4320 Â 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|
||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.
|ATMs||Transfer money from your HSBC Current or Savings account to your HSBC credit card, from any HSBC ATM in the UAE or
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. 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 800 4320 to transfer money to your HSBC card account.||1 working day|
|Mailing your payment
|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
|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|
To get an HSBC Premier Credit Card you must also open an HSBC Premier account. You can apply for your Credit Card during the same account opening process. To view the eligibility criteria click here.
How to apply
Follow these simple steps and your application could be approved in less than 30 minutes. We recommend you read our Personal Banking Terms and Conditions before you apply.
To complete your application you will need to provide the documents detailed below - The approval given will be conditional and is subject to the information provided in these documents.
- Signed application form
- Valid Emirates ID
- Original passport
- Valid residence visa (for non-GCC national customers only)
- Proof of UAE residence
- Signed security cheque
- The last two months of original bank statements from the account where your salary is credited
- Original Salary Transfer Letter from your employer,
Original Salary Certificate issued in the last one month,
2 salary credits into an HSBC account
Proof of UAE residence - acceptable documents
To prove you are an UAE resident we will need to see a utility bill, rental agreement/title deeds or employment letter (for GCC national customers only) dated within the last two months.