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Live+ Credit Card

The credit card that earns you cashback all year round

Earn 6% cashback on dining, 5% cashback on fuel and 2% cashback on supermarket and entertainment spending, and have it paid in to your credit card every month. Terms and conditions apply.

Get started

Get rewards up to AED 900

Get an AED 800 Amazon gift card when you apply for this card by 30 November 2025 and spend AED 10,000 within the first 60 days, plus AED 100 the first time you use your card in your mobile wallet.

Available on primary cards only. You can't have a primary card when you apply or in the 6 months before applying.

Eligibility criteria and T&Cs (PDF) apply.

Spend on your credit card to earn cashback rewards on eligible purchases.

Pay no annual fee for the first year, and when you spend at least AED 12,000 a year after that[@cashbackannualfeewaiver].

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

Get up to 50% off dining bills at over 4,000 restaurants across the UAE with your complimentary Zomato Gold membership. Learn more.

Discover more Live+ features

Earn more cashback

Get up to 6% cashback on everyday spending.

Earn 6% (up to AED 200) on dining, 5% (up to AED 200) on fuel and 2% (up to AED 200) on groceries and entertainment per statement cycle when you spend at least AED 3,000 a month.
Earn 0.5% on all other spends, and when you spend less than AED 3,000 a month

Try our cashback calculator

Enjoy more of the things you love

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

Get up to 50% off dining bills at over 4,000 restaurants across the UAE with your complimentary Zomato Gold membership. Learn more.
Get discounts at over 400 restaurants across the UAE when you pay with your credit card
Buy 1 Get 1 Free movie tickets every month when you spend at least AED 6,000 in the calendar month of booking and up to 25% off food and drink at cinemas across the UAE.[@cinemadiscountminspend]
Enjoy over 200 offers across dining, retail and accommodation across MENA with the Timeout and Golf Access Programme.

Travel the world for less

Enjoy discounts on holiday bookings and extra airport privileges.

Get up to 7% back as wallet credits with Booking.com accommodations when you book on your credit card.
12 complimentary visits for you and additional cardholders to over 1,200 lounges a year when you make at least 1 international purchase worth USD 1 once every calendar year with your HSBC Visa card 15 days before you travel.[@visainternational] [@airportloungeaccess]

Your Cashback card also comes with

home&Away offers

Get deals on shopping, travel, dining and more worldwide with home&Away.
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.

24-hour concierge

Visa Concierge takes care of the details, from restaurant bookings to travel plans and more. Call 800 0441 3487 from the UAE or +9714 361 1234 / +44 2078 502 829 from outside the UAE.
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 HSBC bank account to apply for a Live+ Credit Card, but you'll need to:

Earn a monthly income starting from AED 5,000[@eligibility-subject-to-change] for employees of approved companies, or AED 12,500 for all other applicants
Be aged between 21 and 65
Live in the UAE

Fees and rates

44.28% APR fixed[@aproverduepayments] on cash withdrawals and purchases
AED 0 for the first year. Then AED 313.95 including VAT[@cashbackannualfeewaiver]

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.

Enjoy even more benefits with the new Signature card. Replace your existing Platinum card, or request an additional card, for free.

You can request a replacement for all cardholders, or apply for a new additional cardholder.

Apply in online banking and we'll respond within 5 days.

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

Get your replacement card

If you're new to the UAE, you won't have built up a credit history here yet, which can make getting a new credit card a hassle. But with HSBC, you can use the credit history you've built up elsewhere, making it easier to get a card here in your new home.

At present, you can share your credit history from any of the following countries:

Australia
Canada
Dominican Republic
India
Kenya
Mexico
Nigeria
Philippines
Spain
Switzerland
United Kingdom
United States

To use your international credit history, just apply for your credit card like normal. If you're eligible, we'll ask you during your application if you'd like to share your credit history with us.

More about using your international credit history

Flexi Instalment Terms and Conditions

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

Arrange a 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

Give us a call

From within and outside the UAE:

+9714 3216834

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

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. Please refer to the Schedule of Services and Tariffs (PDF) for more details.

Not the right card?

Discover more credit cards to find the one that's best for you.

Cash+ Credit Card

The credit card that rewards you when you shop.

HSBC Emirates Skywards Signature Credit Card

Earn Skywards Miles on every eligible spend and enjoy a host of travel and lifestyle benefits.

HSBC Emirates Skywards Infinite Credit Card

Earn extra Skywards Miles on every eligible spend and even more travel and lifestyle benefits.

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.

Live+ Credit Card

The credit card that earns you cashback all year round

Get rewards up to AED 900

Why get a Live+ Credit Card?

Cashback everyday

Annual fee waiver

Careem Plus

Zomato Gold

Discover more Live+ features

Earn more cashback

Enjoy more of the things you love

Travel the world for less

Your Cashback card also comes with

Things to know

Who can apply?

Fees and rates

What you'll need

Visa Signature card

If you're new to the UAE

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?

Not the right card?

Cash+ Credit Card

HSBC Emirates Skywards Signature Credit Card

HSBC Emirates Skywards Infinite Credit Card

Additional information

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