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Cashback Credit Card

Turn everyday spends into cashback, plus enjoy credit portability from your home country and a range of travel and lifestyle rewards.

The credit card that earns you cashback all year round

Earn up to 5% cashback on daily spending, plus a range of lifestyle, dining and travel rewards. 

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


Cash withdrawals and purchases

44.28% APR (fixed)[@aproverduepayments]

Annual fee

AED 0 for the first year. Then AED 313.95 including VAT[@cashbackannualfeewaiver]

Have up to AED 600 cashback on us

Receive AED 500 cashback when you get this card and spend AED 8,000 within the first 60 days. We’ll also credit AED 100 to your mobile wallet, which will be available to spend for 10 working days.

Available on primary cards only. You can't have a primary credit card when you apply or in the 6 months before applying. Terms and conditions apply (PDF, 130 KB). Offer valid from 1 October 2023 to 31 December 2023 (both days inclusive).

Why get a Cashback Credit Card?

Earn cashback on everyday spending

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

Annual fee waiver

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

Interest free days

Enjoy no interest on purchases for up to 56 days when you pay your monthly balance in full. 


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.

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

Discover more Cashback features

5% cashback

Get up to 5% cashback on everyday spending.

  • Earn 5% (up to AED 200) on fuel and 2% (up to AED 200) on groceries and education 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.

Enjoy more of the things you love

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

  • Browse over 10,000 Buy 1 Get 1 Free offers on food deliveries, eating out, spa days and getaways with the HSBC ENTERTAINER app.
  • 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, plus 20% off food and drink at cinemas across the UAE.
  • 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.

  • Up to 10% off British Airways flights (excluding fees) until 31 December 2023 for travel dates up to 30 December 2024. Use code 'HSBCBA'.
  • Enjoy up to 10% cashback when you book your next holiday on your credit card at
  • Save at over 200 airport restaurants worldwide with DragonPass Dine & Travel[@visainternational]. App terms and conditions apply.
  • 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]
  • Make at least 1 international purchase worth USD 1 with your HSBC Visa card 15 days before you travel to enjoy unlimited visits.

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

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.

Already an HSBC customer?

You can ask us to call you whether you're a new or existing customer.

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.

Frequently asked questions

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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.
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