Black Credit Card

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.

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. 

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.

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.

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.

• 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

Unwind before you fly and enjoy unlimited complimentary access for you and your supplementary cardholders, plus one accompanying guest each to 850+ airport lounges worldwide through LoungeKey™. View Mastercard's lounge list or download the Mastercard for You mobile app.

To access a participating lounge:

• identify yourself as a LoungeKey member to the lounge reception staff
• show your HSBC Black Credit card to the lounge staff to register your visit and grant you access to the lounge

Please note over your free visits entitlement, a charge of 32 USD will be debited to your card for any additional guest per visit.

Mastercard and Partners Terms and Conditions apply.

Book flights and hotels with your HSBC Black Credit Card and avail the following discounts:

10% discount on any international roundtrip. To redeem visit Cleartrip to book your trip, enter promocode MCWORLD and pay with your HSBC Black Credit Card.

10% discount on Expedia hotels for bookings made on Expedia's HSBC Premier page.

You'll also get a complimentary 1 year Expedia+ Gold Membership, which includes top priority on complimentary room upgrades at over 2,000 participating +VIP Access™ hotels and thousands of extra discounts and special offers to enjoy.

Up to 7% discount at more than 180,000 hotels worldwide with Agoda.com. To book please visit Agoda's  HSBC Premier page.

You'll also receive instant confirmation and best rate guarantee, so you can focus on planning the rest of your trip with more savings to spend while you're there.

• 10% discount on villa bookings
• Complimentary bottle of champagne upon arrival
• Complimentary airport transfers (5 nights or more)

Booking enquiries must be made through the Ministry of Villas Premier page. A villa specialist will contact you within 24 hours.

Book 2 nights at a participating Marriott Bonvoy™ hotels, pay with your HSBC Black Credit Card and get the 3rd night free. Alternatively, book 3 nights and get the 4th night free or book 4 nights and get the 5th and 6th nights free.

The offer is applicable at over 200 participating Marriott Bonvoy™ hotels in the Middle East & Africa including hotels such as St. Regis, JW Marriott, Le Méridien, Luxury Collection, W Hotels, Westin, Sheraton.

To book your stay, visit Mastercard's Marriott Bonvoy™ Hotels page or simply call the HSBC Black World Elite Concierge on 800-0444-0899. 

Now when you travel for extended periods of time, you can feel at home with discounts of up to 10% on your stay at 2,000 onefinestay properties across Europe, US and Australia.

To find out more and to book simply call the HSBC Black World Elite Concierge on 800-0444-0899.

Mastercard and Partners Terms and Conditions apply. 

As a HSBC Black cardholder you're entitled to a complimentary DISCOVERY Black membership of the Global Hotel Alliance loyalty programme. Revel in the comfort of DISCOVERY across more than 550 luxury hotels, including Anantara, Corinthia, Kempinski, and Pan Pacific Hotels and Resorts, in 76 countries around the world and access exclusive benefits like:

• Guaranteed room availability for bookings made up to 24 hours prior to arrival
• Double room upgrades
• Early check in from 9am
• Late checkout until 6pm

To find out more and to enroll visit the Mastercard's DISCOVERY Benefit page and get instantly upgraded to the Black membership simply call the HSBC Black World Elite Concierge on 800-0444-0899.

Mastercard and Partners Terms and Conditions apply.

Receive a complimentary upgrade to Gold tier in Qatar Airways Privilege Club² and enjoy top-tier benefits with Qatar Airways and the entire oneworld® airline alliance, including:

• Complimentary access (with one guest) at over 600 oneworld® airport lounges
• Priority check-in
• Excess baggage allowance
• oneworld® airline alliance includes carriers like British Airways, Qantas, Cathay Pacific, American Airlines and much more

²Due to current geopolitical developments beyond the control of Mastercard, eligible cardholders in the UAE may not be able to use this benefit at this time.

Find out more on Mastercard's Qatar Benefit page and simply call the HSBC Black World Elite Concierge on 800-0444-0899 with your Qatar Airways Privilege Club membership number to be upgraded to the Gold tier. 

Mastercard and Partners Terms and Conditions apply.

You are automatically eligible for Hertz Gold Plus Rewards® President's Circle membership upgrade, to enjoy special privileges and benefits, such as:

• Bypassing the rental queue at many of the world's busiest airports
• Guaranteed one car class upgrade at participating locations
• Faster returns with Hertz Instant Return
• Up to 15% off best publicly available rates at participating Hertz locations worldwide.
• Free additional driver (spouse/domestic partner for Gold Plus Rewards Members)

Are you a Hertz Gold Plus Rewards member already? If yes, log in to your Hertz profile and enter CDP 1795034 to upgrade to President's Circle. 

If not, find out how to get upgraded to President's Circle status on the Mastercard's Hertz Benefit page. 

Mastercard and Partners Terms and Conditions apply.

Enjoy the stunning views of the Indian Ocean on the Thailand resort, in an unrivalled combination of luxury, environmentally friendly design and unforgettable, authentic Thai experiences. This special offer includes:

• 2 complimentary nights for two in a one bedroom villa at Soneva Fushi or Soneva Kiri
• Sonu's Picnic at Soneva Fushi or Private Cinema Paradiso experience at Soneva Kiri

Visit Mastercard for further details and call the HSBC Black World Elite Concierge on 800-0444-0899 to book.

Mastercard and Partners Terms and Conditions apply.

Find a key to your city with Priceless Cities by Mastercard. Access handpicked experiences and offers in cities around the world. To find out more and see the offers available visit the Priceless website.

Never miss out on an offer with the free HSBC Entertainer mobile app. Simply download the free HSBC Entertainer app to your smartphone and enjoy over 11,000 'Buy 1 Get 1 Free' offers across dining, leisure, retail and wellness. What's more, HSBC Black Credit Cardholders enjoy exclusive complimentary access to the Fine Dining and Cheers Dubai and Abu Dhabi 'Buy 1 Get 1 Free' offers.

HSBC Entertainer app terms and conditions apply.

Get up to 30% discount at hundreds of restaurants across UAE when you pay using your HSBC Black Credit Card.

HSBC and Third Party Terms & Conditions apply.

The world, one phone call away, with personalised concierge assistance, whenever you need it.

For luxury travel planning, access to the best in fine dining, and exclusive events for your entertainment, let the World Elite Concierge take care of everything for you while you make the most of your time.

The dedicated HSBC Black World Elite Concierge number is:

• UAE Toll Free: 800-0444-0899
• International: +1-669-272-1471

Mastercard and Partner Terms and conditions apply.

Choose the car type that suits your taste, book on the spot or schedule for a later pickup, enjoy the comfort of your ride and avail of the following benefits when you travel across the Middle East:

• Your first ride free (applicable for new Careem customers only, using promo code MC1RIDE)
• 20% OFF three rides every month, using promo code MASTERCARD

This is valid for bookings via the Careem Mobile App. To enable, you just have to enter the promo code mentioned above and set your HSBC Black Credit Card as your default payment card in the Careem app.

Mastercard and Partner Terms & Conditions apply.

Your complimentary rounds of golf are a touch away! Enjoy two free rounds of golf per month (one in Dubai and one in Abu Dhabi) and book your tee times instantly at the Spikes On app or at www.spikeson.com. All you have to do is download the app and enjoy instant booking, guest discounts and more convenience to search, book and play golf in the UAE than ever before.

• To avail of this benefit you will have to create a profile by downloading the SpikesOn.com mobile app or at www.spikeson.com

• You will enjoy two (2) complimentary rounds of golf per month, 24 in total per year – 12 in Dubai and 12 in Abu Dhabi, as per the info outlined in the above table.

• Any unused rounds of golf at the end of a month will not be rolled over in to the next month.

• No over the counter bookings are allowed at the participating golf clubs and all bookings must be made through the SpikesOn.com mobile app or online at www.spikeson.com.

• You are eligible for complimentary golf if you have made a minimum spend of AED 1,000 during that specific calendar month or on average during the last three months on your HSBC Black Credit Card. Where the minimum spend requirement is not met, the cost of the golf visit will become chargeable.

• Back9 Digital Limited and participating golf clubs terms and conditions apply.

Enjoy unlimited complimentary valet parking at selected VALTRANS locations across Dubai and Abu Dhabi.

At selected VALTRANS locations around Dubai and Abu Dhabi - see the table below for find out more.

Here's how to enjoy valet parking:

• Present your HSBC Black Credit Card to the Valtrans personnel who will swipe it in their POS machine and get you to sign
• You get unlimited free visits per month

Terms and conditions:

Standard Complimentary Parking Validity:

For all Valtrans locations with standard complimentary parking validity, the maximum time period that a single visit can amount to, is the period from the time the Cardholder hands over the keys at the valet desk, to the end of valet operational hours on the same day.

Limited Time Complimentary Parking Validity:

For all Valtrans locations with limited time complimentary parking validity, the maximum time period that a single visit can amount to, is set out in the table above.

Important: If the Cardholder's vehicle is parked at a Valtrans location for a time period exceeding the limited time complimentary parking validity, the Cardholder will be liable to pay the charges for excess usage/overtime as set out in the table above. These charges may either be payable in cash on location at the Valtrans kiosk, or charged to the Primary Cardholder's Card Account, which will be reflected in the Primary Cardholder's monthly statement. 

Use your HSBC Black Credit Card to purchase tickets online and get 4 Buy 1 Get 1 Free tickets per month. Offer is valid for the following experiences: Standard 2D Standard 2D VIP, 2D MAX, 2D Max VIP, 2D Max Atmos, 2D Premium Mercatoand Nation Tower, 3D, 3D VIP, 3D Max, 3D Max VIP, 3D Mad Atmos, 3D Premium (Mercatoand Nation Tower) IMAX Standard, IMAX VIP, Theatre by Rhodes, Galleria. Also enjoy 20% discount on select combos at VOX locations.

Terms and conditions apply.

Use your HSBC Black Credit Card to purchase tickets online and get 4 Buy 1 Get 1 Free tickets per month. Offer is valid for the following experiences: 
Standard 2D, Standard Plus, Standard 3D, Standard Plus 3D, Screen X, MX 4D, Dolby ATMOS, Platinum 2D, Platinum 3D. Also enjoy 20% discount on food and beverages at REEL Cinemas locations.

Terms and Conditions apply. 

Shop at over 100,000 US retailers, including Apple, Amazon and Ralph Lauren and get fast, reliable, affordable international shipping with MyUS.com and receive: 

• A MyUS address to use at checkout with your favorite online stores
• Free Premium Membership for 2 years (a $120 value)
• Free account setup (a $20 value)
• 30% off shipping for first month following registration
• 20% off shipping for remainder of 2 year membership

Simply visit the MyUS website to register and use your HSBC Black credit card on the payment page.

Get access to a set of benefits at The Bicester Village Shopping Collection®, like:

• VIP invitations for an additional 10% discount on purchases in participating boutiques
• 15% discount on shopping packages
• 15% discount on chauffeur drive experience at participating villages
• 15% discount on Shopping Express
• Access to VIP lounges (subject to availability)

All of this and more is available at the following villages:

• Bicester Village - London, UK
• Fidenza Village - Milan, Italy
• Ingolstadt Village - Munich, Germany
• Kildare Village - Dublin, Ireland
• La Roca Village - Barcelona Spain
• Las Rozas Village - Madrid, Spain
• La Vallee Village - Paris, France
• Maasmechelen Village - Brussels, Belgium
• Wertheim Village - Frankfurt Village

Visit The Bicester Village Shopping Collection® Mastercard page to redeem these offers.

Travel doesn't always go as planned. If you encounter an obstacle, you shouldn't have to face the inconvenience alone, so World Elite Mastercard® can compensate you for baggage loss, baggage delay, trip cancellation, trip delay etc.

Find out more about this cover on Mastercard's Travel Inconvenience page or call the HSBC Black World Elite Concierge on 800-0444-0899.

For greater peace of mind, enhanced protection options are available to ensure that while you're traveling, your health and safety needs are met promptly and efficiently. As an HSBC Black Credit Cardholder, you enjoy complimentary cover for personal accident insurance, emergency medical evacuation and repatriation, medical emergency expenses and daily in-hospital cash benefit.

Find out more about this cover on Mastercard's Travel Medical Insurance page or call the HSBC Black World Elite Concierge on 800-0444-0899.

Sometimes accidents happen, whether or not they are your fault. With rental collision and loss damage Waiver on your HSBC Black Credit Card you enjoy insurance on rental vehicles and hence you're covered for physical damage to the rental car in addition to loss of use, theft, and natural calamities, vehicle towing and vehicle drop off charges.

Find out more about this cover on Mastercard's Rental Insurance page or call the HSBC Black World Elite Concierge at 800-0444-0899.

Obtaining a travel insurance confirmation letter has never been easier, as you can generate a letter online seamlessly and immediately for your Schengen or other visa requirements. 

Mastercard® or HSBC does not undertake any insurance business or acting as an insurer, insurance broker, insurance advisor or insurance agent. American International Group, Inc. (AIG) or their authorized representative, and not Mastercard or HSBC, is providing the relevant insurance benefits. Complimentary insurance cover is available to HSBC Black credit cardholders, provided that the travel tickets, car rental services or eligible goods have been purchased solely using eligible HSBC Black credit card. Find out more and see the terms that apply on Mastercard's Insurance Benefits website.  

Transfer your balance from any other credit card in the UAE to your HSBC Black Credit Card at an interest rate as low as 0% for the first 12 months. Apply today and benefit from:

• Saving on the interest amount you would have paid in your credit card 
• Competitive pricing 
• Get in control of your finances by consolidating and repaying easier your balances

You may apply through online banking or by calling us or by following instructions provided in any communications sent in this regard and we will call you within 2 working days. 

Balance Transfer fee is applicable, please refer to the Schedule of Services and Tariffs for further details. 

Enjoy easy access to cash through the available limit of your credit card with a Cash Instalment Plan. You can choose from repayment terms of 6,12 or 24 months at interest rates as low as 0.75%³ per month. Apply today and benefit from:

• No Income documentation required
• Competitive interest rates

You may apply through online banking or by calling us or by following instructions provided in any communications sent in this regard and we will call you within 2 working days. 

³Based on reducing balance, which is the interest calculated on a monthly basis on the remaining principal amount.

Buy now and pay in easy monthly instalments with as low as 0% interest with our Flexi Instalment Plan.

• Online banking lets you set up standing instructions, transfer money, view monthly card statements and much more
• Use our Mobile Banking app to view your accounts and stay updated on Credit Card offers to never miss out again. Search for 'HSBC Mobile Banking' in your app store.

Apple Pay changes how you pay with contactless payment technology and unique security features. So you can pay in an easy, safe, and private way using the devices you use every day. Apple Pay is available with all HSBC Credit and Debit Cards.

It's accepted everywhere you can make contactless purchases, wherever you see the contactless riple mark or Apple Pay symbols. 

No more carrying wallets full of plastic. The new way of payment - Samsung Pay through HSBC is simple, secure and accepted everywhere. All you need to do is register your HSBC Credit and Debit Cards on the Samsung Pay.

The next time you are out shopping, just swipe up and authorise the purchase on your phone.

State-of-the-art microchip technology and a unique 6 digit PIN authentication number for greater security and protection against fraud.

Enjoy no interest on purchases for up to 56 days if you settle your monthly outstanding balance in full.

You may pay your credit card with any of the following options:

• At HSBC branches across the UAE or HSBC ATMs

Cheque deposit at HSBC cheque deposit machines located across HSBC branches and HSBC customer service units.

Via other banks’ online banking platforms, by transferring money to the HSBC credit card account

Customers who hold an HSBC account, they can additionally use any of the following options to pay a credit card:

• HSBC online banking
• HSBC mobile banking
• HSBC call centre

Our wealth management team is available from Sunday to Thursday, 9:00am to 4:30pm. If your form is submitted outside of these times, we will call you back on the next working day.