Top of main content

HSBC Cash+ Credit Card

Spend your way, cashback any way.

Our credit card annual percentage rates are changing

From 15 November 2022, the Annual Percentage Rate on outstanding purchases and cash withdrawals on all of our credit cards will increase to 44.28%.

Daily cashback, on the go

Enjoy 1% daily cashback on all eligible purchases, with no minimum spend and no earning caps.

Your daily cashback is credited to your account automatically at the end of every working day. Plus, you can get 10% bonus on your total daily cashback monthly, quarterly and annually, subject to minimum spends.

You’ll also enjoy a wide range of premium travel and lifestyle benefits. All you need is a minimum monthly salary of AED 30,000. You don’t have to open a bank account with us.

Image of HSBC Visa Cash+ Credit Card

Save on deliveries, rides and bike rentals at the Careem app.

Just use your HSBC Visa Signature or Infinite card by 30 September 2022. Terms and conditions apply.

Apply today for AED 500 cashback and no annual fee

Enjoy a welcome cashback when you take a Cash+ Credit Card before 31 December 2022 and spend AED 5,000 in the first 60 days.  Terms and conditions apply1You'll also pay no annual fee for the first year, and from the second year onwards if you spend at least AED 24,000 a year2.

Key benefits

Daily cashback

Get 1% daily cashback on all eligible purchases, with no minimum spend or caps.

Automatic cashback 

Your daily cashback is automatically credited to your credit card account each day.

Bonus cashback

Automatically receive 10% bonus cashback on your daily cashback every month, quarter and year, subject to minimum spends.

Earn bonus cashback up to 17 times a year

Cashback

Frequency of earning

cashback

Cashback percentage Minimum spend required (AED)
Daily Cashback

Daily

1% of total spend made in a day

No minimum spend

Bonus Cashback

Monthly

10% of daily cashback earned in a month

5,000 in the month

Bonus Cashback

Quarterly

10% of daily cashback earned in a quarter

25,000 in the quarter

Bonus Cashback

Annually

10% of daily cashback earned in a year

125,000 in the year

Earn bonus cashback up to 17 times a year

Cashback Daily Cashback

Frequency of earning

cashback

Daily

Cashback percentage

1% of total spend made in a day

Minimum spend required (AED)

No minimum spend

Cashback Bonus Cashback

Frequency of earning

cashback

Monthly

Cashback percentage

10% of daily cashback earned in a month

Minimum spend required (AED)

5,000 in the month

Cashback Bonus Cashback

Frequency of earning

cashback

Quarterly

Cashback percentage

10% of daily cashback earned in a quarter

Minimum spend required (AED)

25,000 in the quarter

Cashback Bonus Cashback

Frequency of earning

cashback

Annually

Cashback percentage

10% of daily cashback earned in a year

Minimum spend required (AED)

125,000 in the year

Bonus Cashback is only calculated on the basis of Daily Cashback and does not include any of the monthly, quarterly or annual Bonus Cashback earned.

For more details please refer to the HSBC Cash+ Credit Card Terms and Conditions (PDF).

Enjoy all these lifestyle benefits

Save on entertainment

Get access to over 10,000 'Buy 1 Get 1 Free' offers, whether it's a lavish brunch, food delivery, a calming spa day, a getaway or anything in between, with the HSBC ENTERTAINER app.

What's more, you can enjoy access to premium gyms, beach clubs, hotel pools and more with HSBC ENTERTAINER soleil. Get 5% off single or family membership when you buy the soleil membership with your HSBC Credit Card on the HSBC ENTERTAINER app.

Save on cinema tickets

VOX Cinemas

Book online and get 4 'Buy 1 Get 1 Free' tickets per month. Offer is valid for: 2D, 2D Premium View, 2D MAX, 2D MAX Premium View, 2D MAX Atmos, 2D KIDS, 3D KIDS, 3D, 3D Premium View, 3D MAX and Gold.

REEL Cinemas

Book online and get 2 'Buy 1 Get 1 Free' tickets per month. Offer is valid for Premium View, 3D MAX and Gold, Standard 2D, Standard Plus 2D, Standard 3D, Standard Plus 3D, Platinum 2D, Platinum 3D and Reel JuniorAlso enjoy 20% discount on food and beverages at both cinemas’ locations.

Also enjoy 20% discount on food and beverages at both cinemas’ locations.

Check our Cinema offers page for more details. VOX and REEL Terms and Conditions apply.

Access airport lounges*

Get unlimited access to 1000+ airport lounges in more than 300 cities all around the world, for you and 1 guest with LoungeKey.

You can enjoy 2 complimentary visits straight away. To enjoy unlimited complimentary visits, you must complete at least one international purchase worth at least USD 1 with your card. Later visits will be charged to your card if the condition isn't met.

Or call LoungeKey on 80004441054 (within UAE).

Save on airport transfers, food delivery and rides with Careem*

Enjoy the convenience of 4 free airport transfers a year to or from a UAE domestic airport with Careem, up to AED 100 per ride. Use promo code UAEVI for airport transfers.  

Additionally, you can also get:

  • 20% off on 3 Careem rides a month in the UAE
  • 50% off on 3 food and shop orders in the UAE through Careem every month

For Careem rides, food and shop orders, use promo code VISAINFINITEUAE.

For more information and details, visit Visa card holder benefits.

Your Cash+ Credit Card also comes with

Even more travel and dining benefits

  • Special offers abroad

    Get exclusive offers on shopping, dining, leisure and entertainment at 19,000 outlets across 160 countries and regions.

    Find out more and see the offers available on the Home&Away website

  • Airport dining offers*

    Save at over 200 airport restaurants worldwide with DragonPass Dine & Travel. App terms and conditions apply.

  • YQ Meet & Assist

    Enjoy a personalised greeting and exceptional airport experience that your status deserves, with up to 25% discount on Airport Meet & Assist at over 450 locations globally.

Using your card

  • Multi-trip travel insurance*

    Complimentary cover of up to USD 500,000 for you and your family on all trips up to 90 days. Get your certificate of insurance and find out more.

  • Dine well for less

    With I Love Dining get up to 30% off at hundreds of participating restaurants across the UAE when you pay using your eligible credit card. Terms and conditions apply.

  • 24-hour concierge*

    Visa Concierge takes care of the details, from restaurant reservations and bespoke shopping to travel arrangements and more. Call 800 0441 3487 from UAE or +9714 361 1234 / +44 2078 502 829 from overseas.

  • Supplementary cards

    Get unlimited supplementary credit cards for your family with no fees.

  • Peace of mind*

    You'll be protected against the theft or accidental damage of purchases you make in full with your HSBC visa credit card. Purchase Protection is offered by Visa International.

  • Balance transfers

    Transfer balances from other UAE credit cards to your HSBC credit card to save on interest, benefit from our competitive pricing and get control of your finances.

    Apply through online banking or by calling us. Find out more. Terms and Conditions, fees and charges apply.  

  • Mobile wallets

    Pay in an easy, safe and private way using your mobile device, wherever contactless payments are accepted. Just register your card to Apple Pay™, Google Pay™ or Samsung Pay™.

  • Extended warranty

    The extended warranty applies automatically to purchases you make in full with your HSBC visa credit card. It doubles the original manufacturer’s warranty for up to 1 year. Offered by Visa International.

  • The Annual Percentage Rate

    The Annual Percentage Rate is 41.40% per annum on outstanding purchases and cash withdrawals. From 15 November 2022, the new Annual Percentage Rate of 44.28% on outstanding purchases and cash withdrawals will apply.

  • Buy now pay later

    Spread the cost of eligible purchases with a Flexi Instalment Plan. Get what you need now while paying more easily in monthly instalments. Terms and Conditions, fees and charges apply.

  • Cash Instalment Plan

    Enjoy easy access to cash through the available limit of your credit card with a Cash Instalment Plan.

    Apply through online banking or by calling us. Find out moreTerms and Conditions, fees and charges apply.  

  • Card protection*

    Get covered against unauthorised transactions or fraudulent use of your card with reimbursement up to USD 2,500 per occurrence. Up to USD 4,000 annual aggregate limit. Terms and conditions apply.

  • Banking on the go

    With the HSBC UAE Mobile Banking app you can view your accounts and transactions, set monthly spend limits on your cards, temporarily block and unblock cards, convert transactions into Flexi Instalment Plans and more. Download from the Apple App Store or Google Play.

  • Annual fee waiver

    There'll be no annual fee of AED 1,000 (AED 1,050 inclusive of VAT) for the first year and it'll be waived from the second year onwards, subject to you meeting a minimum spend of AED 24,000.2

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.

How to apply

Please read the important documents before applying.

Who can apply?

You can apply for the Cashback Plus Credit Card if you:

  • earn a monthly minimum salary of AED 30,000
  • are between 21 and 65 years old
  • live in the UAE

You don't have to have an HSBC bank account.

New to HSBC?

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.

Already an HSBC customer?

Don't fill out your details again, let us call you back. We'll get back to you within 60 minutes during working hours, 9:00 to 16:30 Monday to Friday. After this time, it will be the next working day.

Apply by phone

We can process your card application on a quick phone call.

+9714 3216834 (within and outside UAE)

Lines are open 24/7. We may record calls to help improve our service to you.

Important documents

Things you should know

You might also be interested in

 

Get the account with everything you need. Switch to a rewarding banking experience.

 

Unlock your Android™ phone to tap and pay without even opening an app.

 

Spread your spending with a Flexi Instalment Plan.

 

The multi-currency digital account that lets you manage, send and receive money in different currencies across the world.

The small print

*Offered by Visa International and subject to their terms and conditions. Visit ae.visamiddleeast.com for latest updates on Infinite card benefits. The benefits and features set out are current as at the date they appear in our document. However, they may be subject to change at any time in accordance with the applicable product terms and conditions.

1AED 500 cashback available to new primary HSBC Cash+ Credit Card applicants, who do not have a primary Credit Card at the time of or did not have one 6 months prior to application. Terms and Conditions apply.

2No annual fee for the first year providing your application is approved by 31 December 2022. After the first year and on an annual basis thereafter, your Annual Fee will be waived provided you spend a minimum of AED 24,000 in the previous 12 months. If you do not meet the minimum spend, we will charge you the Annual Fee of AED 1,000 (AED 1,050 inclusive of VAT) in the 13th month. Please refer to the latest Schedule of Services and Tariffs for full details.

The HSBC Credit Card Agreement Terms, HSBC Cash+ Credit Card Terms and Conditions, HSBC Personal Banking General Terms and Conditions (UAE), and Schedule of Services and Tariffs apply.

 

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.