HSBC Black Credit Card

The HSBC Black Credit Card comes in a contemporary design rendered in metal and is fully loaded with great travel & lifestyle benefits. From travel to culinary experiences, culture and shopping there's no limit to where the benefits can take you.

You will require an HSBC Premier Account to apply for this card.


Annual membership fee: AED 1,500 (AED 1,575 inclusive of VAT).


View the most recent Schedule of Services and Tariffs (PDF, 236KB)


With the HSBC Black Credit Card you will get:

  • Bonus Air Miles
    Enjoy 200,000 sign-up Air Miles for the first year and 100,000 anniversary Air Miles from the second year onwards.
  • Worldwide Lounge Access
    Complimentary access to 850+ airport lounges worldwide, for you and your supplementary cardholders, plus one accompanying free guest each, through LoungeKey™.
  • Exclusive dining privileges
    Complimentary HSBC Entertainer app, with access to Fine Dining and Cheers, along with hundreds of offers from the I Love Dining programme.
  • International Concierge
    Exclusive concierge service for luxury travel planning, access to the best in fine dining, and exclusive events for your entertainment.
  • Golfing privileges
    Complimentary tee time once per month, for you and your supplementary cardholders in Dubai and Abu Dhabi.
  • Cinema privileges
    'Buy 1 Get 1 Free' movie offers covering 2D, 3D, 4D and other premium experiences across UAE.

More Black card benefits

Air Miles is the loyalty program of HSBC UAE Credit Cards that rewards cardholders with Air Miles every time they use their credit card. As an HSBC Black Credit Cardholder you enjoy the highest earn rates compared to other HSBC cards.

Bonus air miles

Enjoy 200,000 sign-up air miles with your new HSBC Black Credit Card and receive 100,000 anniversary air miles on renewal of your membership from the second year onwards. The air miles will be credited to your Air Miles account within 60 working days after the annual membership fee has been paid. 

Earning miles

Spend anytime, anywhere with your HSBC Black Credit Card and earn air miles:

  • Travel: Earn 2.5 air miles for every AED 1 spent on travel related purchases, including airlines, hotels and car rentals
  • Foreign currency: Earn 1.5 air miles for every AED 1 spent in all currencies other than UAE Dirhams
  • Online: Earn 1.5 air miles for every AED 1 spent on all online purchases
  • General retail: Earn 1 air mile for every AED 1 spent on all other spends

You will earn air miles up to the credit limit assigned to your credit card. You may review the detailed Air Miles Terms and Conditions below.

Foreign currency transactions are being converted to AED and reflect on your statement at the applicable exchange rate as determined by MasterCard.

Redeeming miles

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.

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
  • 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. 

Emirates Skywards

Exchange your Air Miles to Emirates Skywards Miles at a ratio of 12:1.

Etihad Guest

Exchange your Air Miles to Etihad Guest Miles at a ratio of 9:1.

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 Spinneys, Sharaf DG, Careem, Toy Store, Agoda and many more. Every time you shop at any of the Air Miles partners remember to use your Air Miles card and your HSBC Black 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

Eligibility criteria

To get an HSBC Black Credit Card you must also open an HSBC Premier account. You can apply for your credit card during the same account opening process.

Apply for HSBC Black Credit Card

Have us call you

Our representative will call you back within 60 minutes.


Apply by phone

Call us on 800 444 7773.

For any query call us: 800 4320 (within UAE) or +971 4 224 1000 (outside UAE).

Apply online

For new to HSBC UAE customers.

Get instant online credit card and limit approval, as well as 24-hour card delivery.

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