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Advance Credit Card

Enjoy exclusive travel and lifestyle rewards on all your spends.

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.


Cash withdrawals and purchases

44.28% APR (fixed)[@aproverduepayments]

Annual fee


Have up to AED 400 cashback on us

Receive AED 300 cashback when you get this card and spend AED 5,000 within the first 60 days. We’ll also credit AED 100 to your mobile wallet, which will be available to spend for 10 working days.

Available on primary cards only. You can't have a primary credit card when you apply or in the 6 months before applying. Terms and conditions apply (PDF, 141 KB). Offer ends 31 July 2023.

Why get an Advance Credit Card?

Earn Air Miles 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. 

Discover more Advance features

Enjoy more of the things you love

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

  • Enjoy thousands of offers and access to top lifestyle and entertainment venues with the HSBC ENTERTAINER app.
  • 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, plus 20% off food and drink at cinemas across the UAE.
  • 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. 

  • Save up to 30% on roundtrips, flights and hotels with Cleartrip via Priceless. Enter code 'MASTERCARD' when you pay.
  • Enjoy up to 10% cashback when you book your next holiday on your credit card at
  • Up to 10% off British Airways flights (excluding fees) until 31 December 2023 for travel dates up to 30 December 2024. Use code 'HSBCBA'.
  • Enjoy 15% off at over 5,500 IHG hotels worldwide, with free late checkout and the best available rates.

Complimentary airport lounge access

Enjoy unlimited complimentary access 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

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.
  • Careem Rides
    Get 20% off Careem Rides with code 'MASTERCARD', until 30 June 2023.
  • Fraud protection
    You're covered for fraudulent transactions on your card up to USD 2,000 a claim and up to USD 3,000 a year, even if your card is lost or stolen.[@visainternational]
  • 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.
  • Complimentary valet parking
    Enjoy 2 valet parking visits a month when you spend at least AED 3,000 a month.

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

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

Already an Advance customer?

If you've already got an Advance Account, you can 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.

New to Advance

You can apply for the Advance Account and credit card at the same time online.

Frequently asked questions

You might also be interested in


Discover more about our Air Miles rewards on selected credit cards. Earn and exchange them for flights, hotels, shopping and even airline loyalty programmes. 


A simple credit card with zero fees and plenty of rewards. 


Unlock premium rewards and travel benefits. 

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.
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