Rewards Credit Card | Max Rewards Credit Card

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Max Rewards Credit Card

Enjoy more of life with a credit card packed with rewards

Maximise your rewards across dining, entertainment, travel and more. Plus, double your Air Miles earnings when you increase your monthly spending.

To apply, you'll need to earn at least AED 10,000 a month.

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Have AED 500 cashback on us

Get AED 500 cashback when you apply for this card by 30 June 2025 and spend AED 6,000 within the first 60 days.

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

Eligibility criteria and Terms and conditions apply (PDF, 173KB).

Why get a Max Rewards Credit Card?

Earn rewards on all your spends

Earn rewards on all your credit card spends and exchange them for flights, hotels and more.

Fitness First

Enjoy 8 Fitness First visits a month for AED 1 each when you spend over AED 6,000 a month. T&Cs apply (PDF, 132KB).

Offer is valid till 23rd July 2025.

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 Max Rewards features

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 deals on shopping, travel, dining and more worldwide with home&Away.
Enjoy Buy 1 Get 1 Free movie tickets every month, plus 20% off food and drink at cinemas across the UAE[@cinemadiscountminspend].

Travel the world for less

Make the most of your travels with airport offers and a range of rewards around the world.

12 complimentary visits for you and additional cardholders to over 1,000 lounges a year when you make at least 1 international purchase worth USD 1 with your HSBC Visa card 15 days before you travel.[@visainternational] [@airportloungeaccess]
Get up to 8% off accommodation with Booking.com when you book on your credit card. Learn more.

Your Max Rewards card also comes with

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].
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.
Annual fee waiver

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

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.
Purchase protection

Shop confidently knowing your purchases are protected in full against theft or damage. Buyers Protection is offered by Visa International.

Things to know

Who can apply?

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

Earn at least AED 10,000 a month
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 630 including VAT[@maxrewardsannualfeewaiver]

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 Jade 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'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

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

Max Rewards Credit Card

Enjoy more of life with a credit card packed with rewards

Have AED 500 cashback on us

Why get a Max Rewards Credit Card?

Earn rewards on all your spends

Fitness First

Balance transfers

Careem Plus

Discover more Max Rewards features

Enjoy more of the things you love

Travel the world for less

Your Max Rewards card also comes with

Things to know

Who can apply?

Fees and rates

What you'll need

Additional cardholders

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?

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