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Cashback Credit Card

Money alone doesn’t turn a wishlist into a checklist. You do.

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.

HSBC Cashback Credit Card

Enjoy benefits such as: up to 10% cashback on everyday spends, automatic credit of cashback every month and 0% for up to 24 months Balance Transfer.


To apply, you'll need a minimum monthly salary of AED 10,000.

New to HSBC?

Welcome offer: Get AED 300 cashback when you apply for a Cashback Credit Card today.1

Already an HSBC Customer?

Why choose a Cashback Credit Card?

  • No annual fee for the 1st year and 2nd year onwards fee waiver subject to meeting minimum spend2

  • Automatic credit of cashback every month

  • No maximum limit on total cashback earned3

  • Up to 10% cashback on your spend

  • No requirement of opening a bank account or salary transfer

  • 1000s of discounts and benefits with HSBC ENTERTAINER mobile app and I Love Dining programme

  • 'Buy 1 Get 1 Free' tickets at Vox Cinemas

  • 12 complimentary visits per year to 1000+ airport lounges*

  • Enjoy 2 free airport transfers per year, up to AED 100 per ride*

  • Relax with complimentary travel insurance cover for you and your family*

  • 24-hour concierge service*

  • Fraudulent card misuse protection so you’re covered against unauthorised transactions or fraudulent use of your card(s)*

*Additional benefits available to HSBC Signature Cashback Credit Cardholders. This includes supplementary cardholders. Existing HSBC Platinum Cashback Credit Cardholders can request their enhanced Signature card for free.

Important changes to HSBC Cashback Credit Card

From 1 September 2022 and 1 October 2022, we’re changing our cashback rates and caps for HSBC Cashback Credit Card.

For more details on new rates and maximum cashback, please refer to the updated HSBC Cashback Credit Card Terms and Conditions.


The cashback calculator is for illustrative purposes only and considers any minimum spends required and maximum cashback earnings under each category. Cashback is only available provided you don’t miss a payment.

To earn 10% cashback on fuel and 3% cashback on groceries, a minimum retail spend of AED 3,000 on your card, on any category, is required. The minimum retail spend requirement includes the total spend made by the Primary Cardholder and the Supplementary Cardholder(s) during the statement cycle, net of reversals. If the minimum net retail spend requirement is not met in a statement cycle, you will earn 1% cashback on all retail spends (including groceries and fuel spends) during the statement cycle without any caps.

'Yearly' cashback is based on the assumption your monthly spends are the same throughout the year.

Benefits you'll enjoy

Cashback caps

Caps on cashback spending with an HSBC Cashback credit card.

Category Cashback Cashback cap (per statement cycle)
On all fuel spends in the UAE
AED 100
On all grocery spends in the UAE
AED 200
On all other spends
No cap

Caps on cashback spending with an HSBC Cashback credit card.

Category On all fuel spends in the UAE
Cashback 10%
Cashback cap (per statement cycle)
AED 100
Category On all grocery spends in the UAE
Cashback 3%
Cashback cap (per statement cycle)
AED 200
Category On all other spends
Cashback 1%
Cashback cap (per statement cycle)
No cap

New Cashback earn rates and Caps to be effective from 01 September and 01 October 2022

The cashback earn rates and caps are changing, and will apply on all eligible spends from 1 September 2022 and 1 October 2022. For more details please refer to the updated HSBC Cashback Credit Card Terms and Conditions.

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 41.40% for purchases and cash withdrawal in addition to annual fee of AED 299 (AED 313.95 inclusive of VAT).4

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 Cashback Credit Card if you:

  • earn a monthly minimum salary of AED 10,000
  • are between 21 and 65 years old
  • live in the UAE

You don’t need to have an HSBC bank account.

How to apply

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.

Existing HSBC customer?

If you bank with us already, there’s no need to fill out your details again. We can process your card application. Have us call you to save time5.

Alternatively, we can process your card application with a quick phone call6: 800 444 7773 .

From outside UAE call +971 4 224 1000.

How to get your free replacement Signature card


Request your new and enhanced replacement Signature card through online banking by sending us a secure message. We’ll aim to complete your request within 5 days of your message.

By phone

Or you can just give us a call.

800 444 7772

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.

2No annual fee for the first year providing your application is approved during the campaign period (1 January 2022 up to and inclusing 30 June, 2022). After the first year and on an annual basis thereafter, your Annual Fee will be waived on the HSBC Cashback Credit Card provided you spend a minimum of AED 12,000 in the previous 12 months (“Minimum Spend”) (either domestically or internationally). If you do not meet the Minimum Spend, we will charge you the Annual Fee of AED 299 (AED 313.95 inclusive of VAT) in the 13th month. Please refer to the latest Schedule of Services and Tariffs (PDF, 237KB) for full details.

3Maximum cashback is capped at AED 100 for fuel spends and AED 200 for grocery spends per statement cycle.

4Will 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.

5We'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.

6Lines are open 24/7. We may record calls to help improve our service to you.



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