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.
This card isn't available to new customers. If you have a Black card, find out more about your rewards and benefits on this page.
Rates
Cash withdrawals and purchases
44.28% APR (fixed)[@aproverduepayments]
Annual fee
AED 1,575 including VAT
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].
Fitness First
Enjoy 12 Fitness First visits a month for AED 1 each when you spend over AED 10,000 a month. T&Cs apply (PDF, 132KB).
Offer is valid till 23rd July 2025.
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.
- Get up to 50% off dining bills at over 4,000 restaurants across the UAE with your complimentary Zomato Gold membership. Learn more.
- Play 2 free rounds of golf every month with Spikes On[@play-golf-for-free].
- Enjoy 30% off unlimited golf rounds at over 800 golf clubs worldwide with Mastercard.
- Save up to 30% on a range of Samsung products, including phones, laptops, TVs and more. Learn more.
- 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.
- Get 12% off off on roundtrips, flights or hotels with Cleartrip. Enter code ‘MCWORLDELITE’ when you pay.
- Earn 10% money back when you book your next Booking.com stay on your credit card. Learn more.
- Enjoy discounted hotel stays including 10% at Soneva, Agoda, onefinestay and Ministry of Villas, and 15% at IHG hotels.
Complimentary airport lounge access
Enjoy 14 complimentary visits a year for you and a guest to over 1,200 airport lounges worldwide with the Mastercard Travel Pass app. You can add more 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
To activate and enjoy your complimentary lounge access throughout the whole year, you’ll need to make a cross-border transaction of USD 1 or more with your card at least once every 3 months. Conditions apply[@mastercard-airport-lounge-access].
Your Black card also comes with
- Upgraded car rentalsSpecial 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 cardsAdd 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 offersGet 6 complimentary airport rides from Careem, saving up to AED 110 on each ride. Use code MAUAE6. T&Cs apply.
- Get a free 2-year MyUS membership for up to 30% off international shipping.
- Save on Avis car rentalsGet 20% off your next car rental with Avis and a complimentary upgrade with every rental, worldwide.
- Cinema discountsBuy 1 Get 1 Free movie tickets every month, up to 25% off food and drink at cinemas across the UAE.
- Interest free daysEnjoy no interest on purchases for up to 56 days when you pay your monthly balance in full.
Things to know
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.
Frequently asked questions
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Your Black rewards
Find out what you can do when you use your Black Credit Card
Premier Credit Card
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.
Advance Credit Card
Enjoy exclusive travel and lifestyle rewards on all your spends.