Our credit card annual percentage rates are changing
From 15 November 2022, the Annual Percentage Rate on outstanding purchases and cash withdrawals on all of our credit cards will increase to 44.28%.
HSBC Advance Credit Card
The HSBC Advance Credit Card comes with Air Miles rewards, complimentary HSBC ENTERTAINER app, a wide range of travel and lifestyle benefits, including hotel discounts, complimentary airport lounges access and much more.
Why choose an Advance Credit Card?
Air Miles rewards
Earn 1 Air Mile for every AED 1 spend on your card and redeem for flights, hotels and retail vouchers.
Airport lounge access
Complimentary access to a select number of airport lounges worldwide, for you and your supplementary cardholders, through LoungeKey™.
Exclusive dining privileges
Complimentary HSBC ENTERTAINER app, along with hundreds of offers from the I Love Dining programme.
Save on rides with Careem3
Book with your Mastercard to enjoy 20% off Careem Chauffeur Services across the Middle East. Download the Careem app and enter promo code MASTERCARD.
Airline and hotel discounts of up to 30% with Cleartrip.
Complimentary valet parking
Enjoy complimentary valet parking at select Valtrans locations 2 times per month, subject to minimum spends of AED 3,000.
'Buy 1 Get 1 Free' movie tickets at VOX and REEL cinemas across UAE.
Benefits you'll enjoy
Air Miles is the loyalty program of HSBC UAE Credit Cards that rewards cardholders with Air Miles every time they use their credit card.
Foreign currency transactions are being converted to AED and reflect on your statement at the applicable exchange rate as determined by MasterCard.
Air Miles has a fully interactive website and mobile app allowing you to check your Air Miles balance any time and redeem online, choosing from a wide range of travel and entertainment rewards, including flights, hotel stays, retail vouchers and much more. Please visit the Air Miles website to find out more and redeem your miles.
You can review Air Miles Terms and Conditions below and on the Air Miles website.
Air Miles Exchange
Exchange your Air Miles for your favourite airline's loyalty miles. It's easy.
- log on to your Air Miles account at www.airmilesme.com
- go to 'Redeem Air Miles' and select 'Travel‘
- choose your preferred airline
- exchange your Air Miles.
You'll get an email when the exchange is complete and will be able to see your new balance at your airline loyalty programme account.
Please note that:
- you need to have at least 30,000 Air Miles in your Air Miles account to make an exchange
- you must have a valid airline loyalty membership number
- it's your responsibility to provide the correct transaction details
- once you've exchanged Air Miles, you can’t reverse the exchange
- this offer is subject to the terms and conditions of the participating loyalty programmes and the Air Miles programme
Air Miles partners
Collect Air Miles on everyday shopping from a huge range of Air Miles partners including Sharaf DG, Damas, Careem, Al Jaber, Tavola, and many more! Every time you shop at any of the Air Miles partners remember to use your Air Miles card and your HSBC Premier Credit Card to earn more miles faster. Find out more about the programme and discover exciting offers on the Air Miles website.
Remember, with Air Miles you enjoy
- freedom to choose when (time/date of travel), how (class of travel) and which (airline) to fly with
- no black-out dates; if there is a seat available, you can book it on the Air Miles Travel Shop
- pay with miles and top up with cash
- pay for the full cost of the ticket including taxes
Balance transfers and Instalment plans
Things you should know
Fixed Annual Percentage Rate is 41.40% on outstanding purchases and cash withdrawals with no annual fee.4 From 15 November 2022, the new Annual Percentage Rate of 44.28% on outstanding purchases and cash withdrawals will apply.
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.
Who can apply?
How to apply
If you're new to HSBC UAE, you can check your eligibility online and get up to 1,350 in welcome rewards when you apply for an Advance Account and credit card together.
Once your application is fully approved, one of our representative will contact you.
Whether you bank with us already or are new to HSBC UAE, you can ask for a callback.
We'll get back to you within 60 minutes during working hours, Monday to Friday, 9:00 to 16:30. If you contact us outside these times, it will be the next working day.
1AED 300 cashback available to all new and existing HSBC customers who apply for a new primary HSBC Cashback Credit Card or HSBC Zero Credit Card or HSBC Premier Credit Card or HSBC Advance Credit Card and who do not have a primary Credit Card at the time of application and did not have one 6 months prior to application. You must apply before 31 December 2022 to qualify and only eligible spends as referenced in the Terms and Conditions will be accepted.
2Existing HSBC customers and those who do not apply for Premier/Advance account through online cannot avail this offer. New to Bank Campaign Terms & Conditions apply. Offer valid until 30 November 2022 (inclusive).
4Will increase by 12% (6% for HSBC Black, Jade Credit Card and HSBC Premier MasterCard)) 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.
You might be interested in
HSBC Premier Credit Card
The card comes with a wide range of exclusive benefits on travel and lifestyle.