Top of main content

Black Credit Card

A premium travel companion with rewards packed in.

Enjoy the best the world has to offer

Our most sophisticated card, packed with enhanced travel benefits and designed in sleek metal for a luxury experience. Plus, enjoy lifestyle, dining and shopping rewards all over the world. 

To apply, you’ll need to have a Premier Account or a monthly salary of at least AED 50,000.


Cash withdrawals and purchases
44.28% APR (fixed)[@aproverduepayments]

Annual fee
AED 1,575 including VAT

Get up to AED 800 cashback

Enjoy AED 600 when you apply for selected credit cards, plus AED 100 the first time you use your card in your mobile wallet, and AED 100 when you apply for your first supplementary card and use it for one transaction.

Eligibility criteria and Terms and conditions apply (PDF, 432 KB). Offer valid from 1 May to 31 July 2024 inclusive. 

Why get a Black Credit Card?

Bonus Air Miles

Get 150,000 sign-up Air Miles, and another 75,000 when you renew your membership, plus every year after that[@bonusairmiles]. 

International concierge

Enjoy luxury travel planning, the best in fine dining and exclusive events with international concierge services[@worldeliteconcierge]. 

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 Black features

Enjoy more of the things you love

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

  • Get exclusive benefits like room upgrades and late checkouts at luxury hotels with a Global Hotel Alliance membership.
  • Enjoy over 11,000 Buy 1 Get 1 Free offers on food deliveries, eating out, spa days and more with the HSBC ENTERTAINER app.
  • Play 2 free rounds of golf every month with Spikes On when you spend at least AED 5,000 a month.
  • Enjoy 30% off unlimited golf rounds at over 800 golf clubs worldwide with Mastercard.
  • 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

Use your credit card to book your next holiday and save on flights and hotels. Plus, enjoy a range of special offers like complimentary room upgrades and transfers. 

Complimentary airport lounge access

Enjoy unlimited complimentary access to over 1,200 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
This link will open in a new window

Your Black card also comes with

  • Upgraded car rentals
    Special benefits with Hertz Gold Plus Rewards® President's Circle membership, like fast track rental queuing, up to 15% off rental rates and more. Terms apply.
  • 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.
  • Careem offers
    Get 6 complimentary airport rides from Careem, saving up to AED 110 on each. Use code MAUAE6. T&Cs apply.
  • Save on Avis car rentals
    Get 20% off your next car rental with Avis and a complimentary upgrade with every rental, worldwide.
  • Cinema discounts
    Buy 1 Get 1 Free movie tickets every month, plus 20% off food and drink at cinemas across the UAE.

Things to know

Who can apply?

You can apply for a Black Credit Card if you:

  • have a Premier Account or earn at least AED 50,000 a month
  • are aged between 21 and 70
  • 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

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.

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'.

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. 


Enjoy a range of travel and lifestyle rewards, including hotel and dining discounts and airport lounge access. Plus no interest for up to 56 days when you pay your monthly balance in full. 


Enjoy exclusive travel and lifestyle rewards on all your spends. 

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.
    Listening to what you have to say about services matters to us. It's easy to share your ideas, stay informed and join the conversation.