HSBC Gold Credit Card

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HSBC Gold Credit Card

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%.

Enjoy Air Miles and more

Your HSBC Gold Credit Card is all you need for your day-to-day transactions. It is recognised in over 32 million establishments worldwide, offering you a bunch of benefits at home and abroad.

This card isn't available for new customers at the moment.

Benefits

With the HSBC Gold Credit Card you get:

HSBC ENTERTAINER mobile app

Free download of our 'Buy 1 Get 1 Free' mobile app with over 10,000 offers across dining, leisure, retail and wellness, including over 260 delivery offers.
0% Flexi Instalment Plan (FIP)

Make purchases using your HSBC Gold Credit Card and pay in easy monthly instalments at 0% interest.
Air Miles Rewards Programme

Earn 1.5 Air Miles for every AED 2 spent on retail purchases with your HSBC Gold Credit Card.

Complimentary supplementary cards

Get complimentary supplementary credit cards to share among your family.
Travel privileges

Discover up to a 15% discount on British Airways fares.

What you'll get

Air Miles is the loyalty programme for HSBC UAE credit cards that rewards you with Air Miles every time you use your credit card.

Earning miles

Spend anytime, anywhere with your HSBC Gold Credit Card and earn 1.5 Air Miles for every AED 2 spent.

You will earn Air Miles up to the credit limit assigned to your credit card.

Redeeming miles

Check and redeem your Air Miles balance at the Air Miles website or mobile app. You can choose from a wide range of travel and entertainment rewards, including flights, hotel stays, retail vouchers and much more.

Explore the Air Miles website This link will open in a new window

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.

Emirates Skywards

Exchange your Air Miles to Emirates Skywards Miles at a ratio of 12:1.

Exchange your Air Miles for Emirates Skywards Miles This link will open in a new window

Etihad Guest

Exchange your Air Miles to Etihad Guest Miles at a ratio of 9:1.

Exchange your Air Miles for Etihad Guest Miles This link will open in a new window

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 credit card to earn more miles faster. Find out more about the programme and discover exciting offers on the Air Miles website.

Explore the Air Miles website This link will open in a new window

Remember, with Air Miles you enjoy:

freedom to choose when (time/date of travel), how (class of travel) and with which airline to fly
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

Air Miles is the loyalty programme for HSBC UAE credit cards that rewards you with Air Miles every time you use your credit card.

Earning miles

Spend anytime, anywhere with your HSBC Gold Credit Card and earn 1.5 Air Miles for every AED 2 spent.

You will earn Air Miles up to the credit limit assigned to your credit card.

Redeeming miles

Explore the Air Miles website This link will open in a new window

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.

Emirates Skywards

Exchange your Air Miles to Emirates Skywards Miles at a ratio of 12:1.

Exchange your Air Miles for Emirates Skywards Miles This link will open in a new window

Etihad Guest

Exchange your Air Miles to Etihad Guest Miles at a ratio of 9:1.

Exchange your Air Miles for Etihad Guest Miles This link will open in a new window

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

Explore the Air Miles website This link will open in a new window

Remember, with Air Miles you enjoy:

freedom to choose when (time/date of travel), how (class of travel) and with which airline to fly
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

British Airways

Get up to 10% off airfares (excluding applicable taxes, charges and fees) when you book with your HSBC Gold Credit Card from 1 January 2022 until 31 December 2022, for travel dates up to 30 December 2023.

To book click below and to access the page please use password HSBCBA.

Book with British Airways for British Airways tickets This link will open in a new window

Find out more

Special offers abroad

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

Explore the offers This link will open in a new window

HSBC ENTERTAINER app

Never miss out on an offer with the free HSBC ENTERTAINER mobile app. Simply download the app to your smartphone and enjoy over 10,000 'Buy 1 Get 1 Free' offers across dining, leisure, retail and wellness, including over 260 delivery offers.

HSBC ENTERTAINER mobile app terms and conditions apply.

Find out more about the Entertainer app

I Love Dining

Get up to 30% off at over 400 restaurants across the UAE when you pay using your HSBC credit card.

Search for participating restaurants in the HSBC ENTERTAINER app.

Terms and conditions apply.

Credit Shield Plus

Credit Shield Plus (CSP) is an optional insurance cover that you may have if you have an HSBC credit card issued by HSBC Bank Middle East Limited in the UAE (HSBC).

CSP is not available for new enrolments with effect from 8 October 2017. If you already have CSP insurance cover on your cards, you will not be impacted and you will continue to have the insurance cover.

CSP provides insurance cover if you are unable to pay your credit card debts in the event of:

loss of life
permanent total disability
critical Illness
involuntary loss of employment (for salaried cardholders only)
temporary total disability (for self-employed cardholders only)

If you do not have an outstanding balance on your HSBC credit card statement date, then there is no charge for CSP that month. Please refer to the terms and conditions for more details.

Credit Shield Plus Terms & Conditions (PDF, 184KB) Download link

Balance transfers

Transfer balances from other credit cards in the UAE to your HSBC Credit Card and benefit from:

save on the interest amount you would have paid in on your credit card balance
benefit from competitive pricing
take control of your finances by consolidating your balances and making it easier to repay

You can apply through online banking or by calling us. If we've already contacted you about a balance transfer, then just follow the instructions and we'll get back to you in 2 working days.

A balance transfer fee is applicable.

Cash Instalment Plan

Enjoy easy access to cash through the available limit of your credit card with a Cash Instalment Plan. Apply today and benefit from:

no income documentation required
competitive interest rates

You can apply through online banking or by calling us. If we've already contacted you about a Cash Instalment Plan, then just follow the instructions and we'll get back to you in 2 working days.

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

Flexi Instalment Plan

A Flexi Instalment Plan is a great way to spread the cost of eligible purchases and get what you need now while paying more easily in monthly instalments. Apply in a few quick taps via the HSBC UAE app and benefit from:

low interest rates
no processing fees
no early repayment fees
repayment over 3 to 36 months

Cards for family members

Get 2 free supplementary credit cards for your family. Supplementary cardholders usually enjoy the same benefits as existing cardholders; we'll let you know when that's not the case.

Banking on the go

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

Online banking lets you set up standing instructions, transfer money, view monthly card statements and much more.

Mobile wallets

Pay in an easy, safe and private way using the mobile devices you use every day, wherever contactless payments are accepted.

Chip & PIN security

All our debit and credit cards come with state-of-the-art microchip technology and a unique 6-digit authentication PIN for greater security and protection against fraud.

Interest free days

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

Different ways to pay your bill

You can pay your credit card bill:

at HSBC branches or HSBC ATMs across the UAE
by cheque at HSBC cheque deposit machines in our branches and customer service units
via other banks' online banking platforms, by transferring money to your HSBC Gold Credit Card

If you have an HSBC bank account you can also pay your credit card bill through online, mobile or phone banking.

Things you should know

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 let you know about any changes that may affect you either before the change or shortly afterwards.

HSBC Credit Card Agreement Terms, Balance Transfer Terms and Conditions, Cash Instalment Plan Terms and Conditions, Flexi Instalment Plan Terms and Conditions, and Schedule of Services and Tariffs apply. Third party terms and conditions apply.

The Annual Percentage Rate 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. In addition to annual fee of AED 400 (AED 420 inclusive of VAT) – not offered to new customers¹

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.

Disclaimers

¹Will 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.

Enjoy Air Miles and more

Benefits

What you'll get

Earning miles

Redeeming miles

Air Miles Exchange

Emirates Skywards

Etihad Guest

Air Miles partners

British Airways

Special offers abroad

HSBC ENTERTAINER app

I Love Dining

Credit Shield Plus

Balance transfers

Cash Instalment Plan

Flexi Instalment Plan

Cards for family members

Banking on the go

Mobile wallets

Chip & PIN security

Interest free days

Different ways to pay your bill

Air Miles

Travel

Lifestyle

Protection

Balance transfers and instalment plans

Convenience

Things you should know

Disclaimers

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