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Advance Credit Card

Earn rewards every time you spend

With the HSBC Advance Credit Card, you’re never far from a reward. Collect Air Miles every time you spend and get a host of travel, lifestyle and dining benefits. Just for Advance customers.

To apply, you'll need to have an Advance Account.

Get started Start application for the Advance credit card

Why get an Advance Credit Card?

Earn rewards on all your spends

Spend anytime, anywhere and earn 1 Air Mile for every AED 1 you spend on your credit card.

Purchase protection

Shop confidently knowing your purchases are protected for up to 90 days in case of theft or damage, and covered for up to USD 5,000 a year (up to 2,000 per claim)[@purchaseprotectionadvance].

Interest free days

Enjoy no interest on purchases for up to 56 days when you pay your monthly balance in full.

Careem Plus

Get a complimentary 12-month Careem Plus subscription. Simply add and use your HSBC credit card on the Careem app.

Discover more Advance features

Enjoy more of the things you love

A range of rewards on shopping, eating out and more, worldwide.

Get up to 50% off dining bills at over 4,000 restaurants across the UAE with your complimentary Zomato Gold membership. Learn more.
Get discounts at over 400 restaurants across the UAE when you pay with your credit card
Get deals on shopping, travel, dining and more worldwide with home&Away.
Buy 1 Get 1 Free movie tickets every month when you spend at least AED 6,000 in the calendar month of booking and up to 25% off food and drink at cinemas across the UAE.[@cards-cinema-minimum-spend-generic]
Get a free 2-year MyUS membership for up to 30% off international shipping.
VIP lounge access, 15% off shopping and more at Bicester Villages worldwide. Read terms.

Travel the world for less

Book flights and hotels with your credit card to enjoy discounts all year round.

Earn up to 7% back as wallet credits on stays capped to EUR 200 with Booking com. Learn more
Enjoy 15% off at over 5,500 IHG hotels worldwide, with free late checkout and the best available rates.

Complimentary airport lounge access

Enjoy 4 complimentary visits a year to selected airport lounges worldwide with the Mastercard Travel Pass app. You can add guests for USD 32 each.

Download the Mastercard Travel Pass app and register your HSBC credit card
See the lounges near you, and whether they offer complimentary access
Once you choose a lounge, book your visit to generate a QR code
Present the app QR code or your membership number to access the lounge

To activate and enjoy your complimentary lounge access throughout the whole year, you’ll need to make a cross-border transaction of USD 1 or more with your card at least once every 3 months. Conditions apply[@mastercard-airport-lounge-access-premier-advance].

Find out more about Mastercard's Travel Pass This link will open in a new window

Your Advance card also comes with

Save on Avis car rentals

Get 20% off your next car rental with Avis and a complimentary upgrade with every rental, worldwide.

Save on Budget truck and car rentals

Save up to 10% on your next car or truck rental with Budget in over 3,350 locations worldwide.
Digital cards

Add your HSBC UAE cards to your digital wallet for instant contactless purchases. You don't even need to wait for them to be delivered - just access your card details in the HSBC UAE app.

Things to know

Who can apply?

You can apply for an Advance Credit Card if you:

have an Advance Account
are aged between 21 and 65
live in the UAE

Fees and rates

44.28% APR fixed[@aproverduepayments] on cash withdrawals and purchases
No annual fee

All proofs of ID, including your:

passport
Emirates ID
residence visa if you're a non-GCC national

Proof you're a UAE resident. Choose one of the following:

a tenancy agreement or EJARI
title deeds if you’re a homeowner
a utility bill no more than 2 months old

All proofs of income, including:

the last 2 bank statements from the account your salary is paid into, or 2 salary credits into your HSBC account
a salary certificate from your employer issued in the last month

If you're applying for an additional card, you'll also need to provide the passport and Emirates ID information for the additional cardholder.

Once you've been accepted, we'll also ask for a security cheque in the value of 120% of your credit facility.

Extra cardholders will usually enjoy the same benefits as you. We'll let you know when that's not the case.

If you're new to the UAE, you won't have built up a credit history here yet, which can make getting a new credit card a hassle. But with HSBC, you can use the credit history you've built up elsewhere, making it easier to get a card here in your new home.

At present, you can share your credit history from any of the following countries:

Australia
Canada
Dominican Republic
India
Kenya
Mexico
Nigeria
Philippines
Spain
Switzerland
United Kingdom
United States

To use your international credit history, just apply for your credit card like normal. If you're eligible, we'll ask you during your application if you'd like to share your credit history with us.

More about using your international credit history

If you do not meet the repayments/payments on your loan/financing, your account will go into arrears. This may affect your credit rating, which may limit your ability to access financing in the future.

Get started

New to HSBC?

Check your eligibility online and get an approval in principle in just 5 minutes.

Once we've approved your application, your card could be with you within 24 hours.

Apply now Apply for the Advance credit card

Already an HSBC customer?

Apply for your card in minutes in the HSBC UAE app. Just open the app, scroll to 'Products & services', then select 'Apply for credit card'.

Apply in app This link will open in same window

Apply via callback

Request a callback and a member of our team will help you to apply for your card.

We'll get back to you during working hours, Monday to Friday, 09:00 to 16:30. If you contact us outside these times, we aim to get back to you on the next working day. We may record calls to help improve our service to you.

Get a callback This link will open in new window This link will open in a new window

Frequently asked questions

You can pay your credit card at an HSBC branch or ATM:

by cheque
online with HSBC or another bank
with mobile or phone banking if you have an account with us

Yes, you can pay your credit card using a Flexi instalment or cash instalment plan.

A Flexi instalment plan lets you convert big purchases you make with your credit card into smaller monthly payments. This option offers:

low interest rates
no processing or early repayment fees
the option to spread costs over 3 to 36 months

Apply for a plan on every eligible purchase in the HSBC UAE app.

A cash instalment plan lets you access cash up to your credit limit. You can apply online or by phone for competitive rates, with no need for proof of income.

You can also transfer balances from other credit cards in the UAE to your HSBC Credit Card and:

save on interest
enjoy competitive pricing
get control of your finances by consolidating and repaying your balances more easily

You can apply in online banking, by calling us or by using the instructions we send you. We'll call you within 2 working days.

A Balance Transfer fee applies. Please refer to the Schedule of Services and Tariffs (PDF) for more details.

Additional information

We've described the benefits and features of this card on this page. However, we may change these at any time at our discretion. We'll try and let you know about any changes, either before the change or shortly afterwards.

Advance Credit Card

Earn rewards every time you spend

Why get an Advance Credit Card?

Earn rewards on all your spends

Purchase protection

Interest free days

Careem Plus

Discover more Advance features

Enjoy more of the things you love

Travel the world for less

Complimentary airport lounge access

Your Advance card also comes with

Things to know

Who can apply?

Fees and rates

Documents you'll need

Additional cardholders

If you're new to the UAE

Important documents

Get started

New to HSBC?

Already an HSBC customer?

Other ways to apply

Frequently asked questions

How do I pay my credit card?

Are there payment plans available?

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