Pay what you owe and nothing more
With the HSBC Zero Credit Card, we won't charge you anything extra for using it. Plus, you'll get a range of rewards to choose from.
To apply you'll need a monthly salary of at least AED 10,000.
Rates
Cash withdrawals and purchases
44.28% APR (fixed)[@aproverduepayments]
Annual fee
AED 0
Why get a Zero Credit Card?
No added fees
Pay zero fees for annual membership, going over your credit limit [@nofeeovercreditlimit] and withdrawing cash [@nofeecashwithdrawal].
No processing fees
Transfer balances from your other credit cards with no processing fees or early repayment fees. Terms apply.
No interest
Enjoy 0% interest on your purchases for the first 3 months[@zerointerest].
Discover more Zero features
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.
- Get deals on shopping, travel, dining and more worldwide with home&Away.
Travel the world for less
Book flights and hotels with your credit card to enjoy discounts all year round.
- Up to 10% off British Airways flights (excluding fees) until 31 December 2023 for travel dates up to 30 December 2024. Use code 'HSBCBA'.
- Stay at luxury hotels worldwide with Visa Luxury Hotels, and get best rate guarantees, room upgrades, complimentary breakfast and more.
- Save at over 200 airport restaurants worldwide with DragonPass Dine & Travel[@visainternational]. App terms and conditions apply.
Your Zero card also comes with
- Purchase protectionShop confidently knowing your purchases are protected in full against theft or damage. Buyers Protection is offered by Visa International.
- Interest free daysEnjoy no interest on purchases for up to 56 days when you pay your monthly balance in full.
- Extended warranty on your purchasesAutomatic 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.
Things to know
Who can apply?
You don't need an account with us to apply for a Zero 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.
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