Cash+ Credit Card

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Cash+ Credit Card

Spend on your Cash+ Credit Card for cashback every day

Earn daily cashback on eligible purchases, with no minimum spend and no earning caps. Plus, enjoy a range of travel and lifestyle benefits.

To apply, you'll need to earn at least AED 30,000 a month.

Rates

Cash withdrawals and purchases

44.28% APR fixed[@aproverduepayments]

Annual fee

AED 0 for the first 12 months. Then AED 1,050 including VAT[@cashplusannualfeewaiver]

Get started

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, 161 KB). Offer valid from 1 May to 31 December 2024 inclusive.

Why get a Cash+ Credit Card?

Earn daily cashback on all your spends

Earn 1% cashback every day on all your purchases, with no minimum spend or earning caps.

10% bonus cashback

Get 10% bonus cashback all year when you meet minimum spends.

Balance transfers

Transfer balances from other credit cards in the UAE to your credit card and save on interest.

Careem Plus

Get a complimentary 12-month Careem Plus subscription. Simply add and use your HSBC credit card on the Careem app.

Discover more Cash+ features

Enjoy more of the things you love

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

Buy 1 Get 1 Free movie tickets every month, up to 25% off food and drink at cinemas across the UAE.
Get deals on shopping, travel, dining and more worldwide with home&Away.
Get up to 8% off accommodation with Booking.com when you book on your credit card. Learn more.
Get up to 50% off dining bills at over 4,000 restaurants across the UAE with your complimentary Zomato Gold membership. Learn more.

Airport lounge access

Unwind before you fly with access to airport lounges worldwide through the Visa Airport Companion app.

Access over 1,000 lounges in more than 300 cities worldwide.
Complimentary access for you and your additional cardholders, plus a guest each. USD 32 for each extra guest, per visit.
Make at least 1 international purchase worth USD 1 with your HSBC Visa card 15 days before you travel to enjoy unlimited visits.
Visit Lounge Key for more information and terms and conditions. Or call LoungeKey™ on 800 0444 1822 (within UAE) or +971 800 0444 1822 (outside UAE).

Your Cash+ card also comes with

24-hour concierge

Visa Concierge takes care of the details, from restaurant bookings and bespoke shopping, to travel plans and more. Call 800 0441 3487 from the UAE or +9714 361 1234 / +44 2078 502 829 from outside the UAE.
Multi-trip travel insurance

Complimentary cover of up to USD 500,000 for you and your family on all trips up to 90 days, including a certificate of insurance[@visainternational].
Extended warranty on your purchases

Automatic extended warranty on purchases you make in full with your card. It doubles the original manufacturer’s warranty for up to 1 year. Offered by Visa International.

YQ Meet & Assist

Save up to 30% on Airport Meet & Assist at over 450 locations worldwide.
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.
Fraud protection

You're covered for fraudulent transactions on your card up to USD 2,500 a claim and up to USD 4,000 a year.[@visainternational]

Things to know

Who can apply?

You don't need an account with us to apply for a Cash+ Credit Card, but you'll need to:

earn at least AED 30,000 a month
be aged between 21 and 65
live in the UAE

All proofs of ID, including your:

passport
Emirates ID
residence visa if you're a non-GCC national

Proof you're a UAE resident. Choose one of the following:

a tenancy agreement or EJARI
title deeds if you’re a homeowner
a utility bill no more than 2 months old

All proofs of income, including:

the last 2 bank statements from the account your salary is paid into, or 2 salary credits into your HSBC account
a salary certificate from your employer issued in the last month

If you're applying for an additional card, you'll also need to provide the passport and Emirates ID information for the additional cardholder.

Once you've been accepted, we'll also ask for a security cheque in the value of 120% of your credit facility. This doesn't apply for existing Premier or Global Private Banking customers.

Additional cardholders usually enjoy the same benefits as existing cardholders. We'll let you know when that's not the case.

Apply for another card

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.

Apply now

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'.

Apply in app This link will open in same window

Apply via callback

Request a callback and a member of our team will help you to apply for your card.

We'll get back to you during working hours, Monday to Friday, 09:00 to 16:30. If you contact us outside these times, we aim to get back to you on the next working day. We may record calls to help improve our service to you.

Get a callback This link will open in new window This link will open in a new window

Frequently asked questions

You can pay your credit card at an HSBC branch or ATM:

by cheque
online with HSBC or another bank
with mobile or phone banking if you have an account with us

Yes, you can pay your credit card using a Flexi instalment or cash instalment plan.

A Flexi instalment plan lets you convert big purchases you make with your credit card into smaller monthly payments. This option offers:

low interest rates
no processing or early repayment fees
the option to spread costs over 3 to 36 months

Apply for a plan on every eligible purchase in the HSBC UAE app.

A cash instalment plan lets you access cash up to your credit limit. You can apply online or by phone for competitive rates, with no need for proof of income.

You can also transfer balances from other credit cards in the UAE to your HSBC Credit Card and:

save on interest
enjoy competitive pricing
get control of your finances by consolidating and repaying your balances more easily

You can apply in online banking, by calling us or by using the instructions we send you. We'll call you within 2 working days.

A Balance Transfer fee applies. Pleese refer to the Schedule of Services and Tariffs for more details.

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.

Spend on your Cash+ Credit Card for cashback every day

Rates

Get up to AED 800 cashback

Why get a Cash+ Credit Card?

Earn daily cashback on all your spends

10% bonus cashback

Balance transfers

Careem Plus

Discover more Cash+ features

Enjoy more of the things you love

Airport lounge access

Your Cash+ card also comes with

Things to know

Who can apply?

What you'll need

Additional cardholders

Important documents

Get started

New to HSBC?

Already an HSBC customer?

Other ways to apply

Frequently asked questions

How do I pay my credit card?

Are there payment plans available?

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