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Premier Credit Card

Unlock worldwide benefits, privileges and great value

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%.

HSBC Premier Credit Card

The HSBC Premier Credit Card comes with Air Miles rewards, complimentary HSBC Entertainer app, a wide range of travel and lifestyle benefits, including hotel discounts, complimentary airport lounges access, complimentary travel inconvenience insurance and much more.

Welcome offer: Get AED 300 cashback when you apply for an Premier Credit Card today1, and up to AED 2300 when you apply online for a Premier Account2

Why choose a Premier Credit Card?

  • Air Miles rewards

    Earn 1 Air Mile for every AED 1 spend on your card and redeem for flights, hotels and retail vouchers.

  • Airport Lounge Access

    Complimentary access to a select number of airport lounges worldwide, for you and your supplementary cardholders, through LoungeKey™.

  • Exclusive dining privileges

    Complimentary HSBC ENTERTAINER app, along with hundreds of offers from the I Love Dining program.

  • Save on rides with Careem3

    Book with your Mastercard to enjoy 20% off Careem Chauffeur Services across the Middle East. Download the Careem app and enter promo code MASTERCARD.

  • Free global Wi-Fi

    Enjoy unlimited Wi-Fi at over 1 million hotspots worldwide through Boingo.

  • Complimentary valet parking

    Enjoy complimentary valet parking at select Valtrans locations 4 times per month.

  • Cinema privileges

    'Buy 1 Get 1 Free' movie offers covering 2D, 3D, 4D and other premium experiences across UAE.

Benefits you'll enjoy

Air Miles is the loyalty program of HSBC UAE Credit Cards that rewards cardholders with Air Miles every time they use their credit card.

Earning miles

Spend anytime, anywhere with your HSBC Premier Credit Card & earn 1 Air Mile for every AED 1 spent.

You will earn Air Miles up to the credit limit assigned to your credit card. You may review the detailed Air Miles terms and conditions below.

Redeeming miles

Air Miles has a fully interactive website and mobile app allowing you to check your Air Miles balance any time and redeem online, choosing from a wide range of travel and entertainment rewards, including flights, hotel stays, retail vouchers and much more. Please visit the Air Miles website to find out more and redeem your miles. 

You can review Air Miles Terms and Conditions below and on the Air Miles website.

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
  • 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.

Etihad Guest

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

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 Premier Credit Card to earn more miles faster. Find out more about the program and discover exciting offers on the Air Miles website.

Remember, with Air Miles you enjoy

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

Things you should know

HSBC Personal Banking General Terms and Conditions, other third party benefits Terms and Conditions and other fees and charges apply as outlined in our Schedule of Services and Tariffs.

Fixed Annual Percentage Rate is 38.88% on outstanding purchases and cash withdrawals with no annual fee.5 From 15 November 2022, the new Annual Percentage Rate of 44.28% on outstanding purchases and cash withdrawals will apply.

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.

Who can apply?

You can apply for the Premier Credit Card if you:

  • have a Premier Account 
  • are between 21 and 70 years old
  • live in the UAE

Join HSBC Premier

Experience a premium bank account, with priority services, global support and no monthly fees.6 If you're an HSBC Premier customer in another country or region, then you'll automatically be eligible for a Premier Account in the UAE. If you'd like to apply for a Premier Account, you can apply for the Premier Credit Card at the same time. It's easier than ever to apply and get an instant approval in principle.

How to apply


If you're new to HSBC UAE, you can check your eligibility online and get up to 2,600 in welcome rewards when you apply for a  Premier Account and credit card together. 

Once your application is fully approved, one of our representative will contact you.


Whether you bank with us already or are new to HSBC UAE, you can ask for a callback.

We'll get back to you within 60 minutes during working hours, Monday to Friday, 9:00 to 16:30. If you contact us outside these times, it will be the next working day.

By phone

Or you can just give us a call.

8004320 (within UAE)

From outside UAE call +971 4 224 1000

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


1AED 300 cashback available to all new and existing HSBC customers who apply for a new primary HSBC Cashback Credit Card or HSBC Zero Credit Card or HSBC Premier Credit Card or HSBC Advance Credit Card and who do not have a primary Credit Card at the time of application and did not have one 6 months prior to application. You must apply before 31 December 2022 to qualify and only eligible spends as referenced in the Terms and Conditions will be accepted.

Existing HSBC customers and those who do not apply for Premier/Advance account through online cannot avail this offer. New to Bank Campaign Terms & Conditions apply. Offer valid until 30 November 2022 (inclusive).

Digital New to Bank Campaign Terms & Conditions and Gift Cards Terms & Conditions apply. Offer valid until 31 December 2022 (inclusive).

3The Promo Code does not apply when you pay with Apple Pay. The discount is available when Customer books Trips on all car types, except HalaTaxi.

 4The Discount is applicable on the airfare only. Mastercard and Partners Terms and Conditions apply.

5Will 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.

6If you do not meet the Premier or Advance eligibility requirements then we reserve the right, at our discretion, to charge you a service fee up to the point we convert your account into a Personal Banking account. Terms and Conditions apply.

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


From travel to culinary experiences, culture and shopping there's no limit to where the benefits can take you.


Interested in recommending HSBC? You can get a cash reward if you recommend a friend and they open a Premier or Advance account.

Offer ends 31 December 2022. T&Cs apply.

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