HSBC Black Credit Card
The HSBC Black Credit Card comes in a contemporary design rendered in metal1 and is fully loaded with great travel & lifestyle benefits. From travel to culinary experiences, lifestyle and shopping there's no limit to where the benefits can take you.
To apply, you’ll need to have a Premier Account or a minimum monthly salary of AED 50,000.
Annual fee: AED 1,575 including VAT.
Why choose a Black Credit Card?
Bonus Air Miles
Enjoy 150,000 sign-up Air Miles for the first year and 75,000 anniversary Air Miles from the second year onwards.2
Worldwide Lounge Access
Complimentary access to 1000+ 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.
Exclusive concierge service for luxury travel planning, access to the best in fine dining, and exclusive events for your entertainment.
Two free rounds of golf per month in select golf courses in Dubai, Abu Dhabi and Ras Al Khaimah.
'Buy 1 Get 1 Free' movie offers covering 2D, 3D, 4D and other premium experiences 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. As an HSBC Black Credit Cardholder you enjoy the highest earn rates compared to other HSBC cards.
Bonus air miles
Enjoy 150,000 sign-up air miles with your new HSBC Black Credit Card and receive 75,000 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.
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.
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 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 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
Balance transfers and Instalment plans
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 an approval in principle in just 5 minutes.
Once your application is fully approved, your card could be with you within 24 hours.
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.
2The bonus sign-up Air Miles offer applies to the first year only. The bonus anniversary Air Miles offer applies from the second year onwards. You must have paid the annual membership fee for the card, as shown in the Schedule of Services and Tariffs (PDF, 1.6MB), to receive bonus Air Miles.
3Will 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.
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