Zero Credit Card

Why you'll want a Zero Credit Card

Zero annual fee

No annual membership fee to pay.
Zero over limit fee

You won't be charged if you go over your credit limit.¹
Zero cash advance fee

If you need to withdraw cash using your credit card, you won't be charged a cash advance fee.²

Zero processing fees on balance transfers

Transfer balances from your other credit cards and you'll pay zero processing fees³; there'll be zero early repayment processing fees too.
Zero interest on purchases

Enjoy 0% interest on retail purchases you make with your HSBC Zero Credit Card for the first 3 months.⁴
Flexi instalment plan

Convert purchases over AED 1,000 to up to 36 monthly repayments and benefit from a low interest rate, zero processing fees and zero early settlement fees.

What you'll get

Complimentary HSBC ENTERTAINER app

Never miss out on an offer with the free HSBC ENTERTAINER mobile app. Simply download the free HSBC ENTERTAINER app to your smartphone and enjoy over 10,000 'Buy 1 Get 1 Free' offers across dining, leisure, retail and wellness, including over 260 delivery offers.

HSBC ENTERTAINER mobile app Terms & Conditions apply.

Find out more

I Love Dining

Get up to 30% off at over 400 restaurants across the UAE when you pay using your HSBC Zero Credit Card.

Terms and conditions apply.

VOX Cinemas

“Buy 1 – Get 1 Free” movie tickets at VOX Cinemas for Sunday show times, using your Zero Credit Card online or through the VOX mobile app. You can apply for 2 tickets per transaction and up to 5 free tickets a month.

More about the VOX Cinemas offer

Complimentary HSBC ENTERTAINER app

Never miss out on an offer with the free HSBC ENTERTAINER mobile app. Simply download the free HSBC ENTERTAINER app to your smartphone and enjoy over 10,000 'Buy 1 Get 1 Free' offers across dining, leisure, retail and wellness, including over 260 delivery offers.

HSBC ENTERTAINER mobile app Terms & Conditions apply.

Find out more

I Love Dining

Get up to 30% off at over 400 restaurants across the UAE when you pay using your HSBC Zero Credit Card.

Terms and conditions apply.

VOX Cinemas

“Buy 1 – Get 1 Free” movie tickets at VOX Cinemas for Sunday show times, using your Zero Credit Card online or through the VOX mobile app. You can apply for 2 tickets per transaction and up to 5 free tickets a month.

More about the VOX Cinemas offer

Agoda

Get up to 12% off at over 985,000 hotels and vacation rentals worldwide when you book using your HSBC Zero Credit Card through the link below.

Visa Luxury Hotel Collection (VLHC)

VLHC has more than 900 intriguing and prestigious properties, from boutique gems to world famous hotels. You'll benefit from a best available rate guarantee, automatic room upgrades, complimentary in-room Wi-Fi, complimentary breakfast and much more. just book through the link below.

Book with Visa Luxury Hotels

DragonPass Dine & Fly

Enjoy airport dining offers at over 200 airport restaurants worldwide. Just download the Dine & Fly app and register to get started. When you visit a participating restaurant, let them know, mentioning DragonPass. Then select 'redeem' in the app to get the discount.

App terms and conditions apply.

More about DragonPass Dine & Fly

Special offers abroad

Get exclusive offers on shopping, dining, leisure, and entertainment at 19,000 outlets across 160 countries.

Explore the offers

Purchase Protection

Get additional peace of mind with Purchase Protection by Visa. You'll be protected against the theft or accidental damage of purchases you make in full with your Zero Credit Card.

Extended warranty

The extended warranty by Visa applies automatically to purchases you make in full with your Zero Credit Card. It doubles the original manufacturer’s warranty for up to 1 year, protecting you against the cost of repair and replacement of an item.

Purchase Protection and Extended warranty are both offered by Visa International.

More about protection and how to make a claim

Balance transfers

Transfer your balance from any other credit card in the UAE to your HSBC Zero Credit Card at 0.99% interest for 6 months and benefit from zero processing and early settlement fees.

save on the interest amount you would have paid on your credit card balance
benefit from competitive pricing
take control of your finances by consolidating your balances and making it easier to repay

You can apply through online banking or by calling us; we'll get back to you in 2 working days.

A balance transfer fee is applicable.

Cash Instalment Plan

Enjoy easy access to cash through your available credit card limit with a Cash Instalment Plan. Choose from repayment terms of 6,12 or 24 months at interest rates as low as 0.75% per month.

no income documentation required
competitive interest rates

The plan is based on reducing balance, which means the interest is calculated every month on the balance amount that remains.

You can apply through online banking or by calling us. We'll get back to you in 2 working days.

Cards for family members

Get free supplementary credit cards for your family.

Banking on the go

online banking: set up standing instructions, transfer money, view monthly card statements and much more
Mobile Banking app: keep an eye on your transactions and bank on the go; search for 'HSBC Mobile Banking' in your app store

Mobile wallets

Pay in an easy, safe and private way using the mobile devices you use every day, wherever contactless payments are accepted.

Register your HSBC Zero Credit Card to Apple Pay or Samsung Pay today and change the way you pay.

Chip & PIN security

All our debit and credit cards come with state-of-the-art microchip technology and a unique 6 digit authentication PIN for greater security and protection against fraud.

Interest free days

Enjoy no interest on your purchases for up to 56 days if you settle your monthly outstanding balance in full.

Different ways to pay your bill

You can pay your credit card bill:

at HSBC branches or HSBC ATMs across the UAE
via other banks’ online banking platforms, by transferring money to your HSBC Zero Credit Card account

If you have an HSBC bank account you can also pay your credit card bill through online, mobile or phone banking.

Things you should know

Schedule of services and tariffs, balance transfer terms and conditions and credit card agreement terms and conditions apply. Third party benefits terms and conditions apply.

Benefits and features

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 existing customers know about any changes that may affect them, either before the change or shortly afterwards.

Supplementary cards

Supplementary cardholders usually enjoy the same benefits as existing cardholders; we'll let you know when that's not the case.

Who can apply?

You can apply for the Zero 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.

Proof of ID (all)

passport
Emirates ID
residence visa (for non-GCC nationals)

Proof of UAE residency (one of the following)

tenancy agreement or EJARI
title deeds (if you’re a homeowner)
utility bill (dated within the last 2 months)

Proof of income (all)

last 2 bank statements from the account into which your salary is paid or 2 salary credits into your HSBC account
salary certificate from your employer (issued in the last month)

If you're applying for a supplementary card, we need to see passport and Emirates ID for the supplementary cardholder as well.

How to apply

Online

If you're new to HSBC UAE, you can instantly confirm your eligibility online and get an approval in principle. Once your application is fully approved, your card could be with you within 24 hours.

Apply now Click to apply now

Callback

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, Sunday to Thursday, 9:00 to 16:30. If you contact us outside these times, it will be the next working day.

Request a callback to apply for a HSBC Zero Credit Card This link will open in a new window

By phone

Or you can just give us a call.

800 444 7773

From outside UAE call +971 4 224 1000

Lines are open Sunday to Thursday, 9:00 to 16:30. We may record calls to help improve our service to you.

Notes

¹Generally, you may not exceed your credit limit. However in some cases, your credit limit may be exceeded by your outstanding balance due to either (a) charging of any interest and fees (b) transactions being authorised in excess of your credit limit or (c) any other valid reason.

²We will not charge a fee for each cash withdrawal/advance as set out in the Schedule of Services and Tariffs (PDF, 237KB). However, there is no interest free period for cash withdrawal/advance transactions and interest is calculated from the date the transaction is made.

³Balance Transfer Terms & Conditions (PDF, 90KB) apply as may be amended from time to time.

⁴To benefit from the 3 months interest free period you must make the minimum payment by the due date. Otherwise the applicable interest rate as set out in our Schedule of Services and Tariffs (PDF, 237KB) will apply. The 3 months interest free period is only available for new HSBC credit cardholders.

Why you'll want a Zero Credit Card

What you'll get

Complimentary HSBC ENTERTAINER app

I Love Dining

VOX Cinemas

Agoda

Visa Luxury Hotel Collection (VLHC)

DragonPass Dine & Fly

Special offers abroad

Purchase Protection

Extended warranty

Balance transfers

Cash Instalment Plan

Cards for family members

Banking on the go

Mobile wallets

Chip & PIN security

Interest free days

Different ways to pay your bill

Lifestyle

Travel

Protection

Balance transfers and payment plans

Convenience as standard

Things you should know

Additional information

Who can apply?

Documents required to apply

How to apply

Online

Callback

By phone

Notes

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