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

HSBC Entertainer app

Enjoy over 10,000 'Buy 1 Get 1 Free' offers across dining, leisure, retail and wellness.

App terms and conditions apply.

Find out more about the Entertainer app

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.

Search participating restaurants

VOX Cinemas

Get 50% off VOX Cinemas tickets for Sunday showings bought with your Zero Credit Card online or through the Vox app. You can apply for 4 tickets per transaction and up to 10 free tickets a month.

More about the VOX Cinemas offer

HSBC Entertainer app

Enjoy over 10,000 'Buy 1 Get 1 Free' offers across dining, leisure, retail and wellness.

App terms and conditions apply.

Find out more about the Entertainer app

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.

Search participating restaurants

VOX Cinemas

Get 50% off VOX Cinemas tickets for Sunday showings bought with your Zero Credit Card online or through the Vox app. You can apply for 4 tickets per transaction and up to 10 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 Cashback 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

Are you eligible?

To apply for a Zero Credit Card you’ll need to:

earn at least AED 5,000 a month
be between 21 and 65
be a UAE resident

You don't have to have an HSBC bank account.

How to apply

Apply online

If you're new to HSBC UAE, you can apply online for an instant decision. If your application's successful, your card will be with you in 24 hours.

Apply now Click to apply now

Have us call you

Our representative will call you back within 60 minutes. You'll need to apply this way if you're already an HSBC UAE customer.

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

Apply by phone

Give us a call and we'll take you through it.

800 444 7773

We’ll need to see proof of your identity, residency in the UAE and income before we can finalise your application. We'll contact you to arrange a face-to-face appointment at a time that's convenient to you.

If you’re also applying for a supplementary card, then we’ll need to see proof of identity (passport and Emirates ID) for the additional applicant too.

If you apply online, any approval given is conditional and subject to the information in these documents.

We'll need to see originals of the following documents:

valid Emirates ID
passport
valid residence visa (if you're not a GCC national)
proof of UAE residence - a utility bill, rental agreement/title deeds or employment letter (if you're a GCC national) - dated within the last 2 months
signed security cheque
last 2 months of bank statements from the account to which your income is credited
income transfer letter from your employer, or income certificate issued in the last month, or 2 income credits into an HSBC account

Notes

The benefits and features set out herein are current as at the date they appear in this document. However, they may be subject to change at any time at our discretion. We will try to notify you of any changes that may impact these benefits either in advance of the change or shortly afterwards. HSBC Credit Card Agreement Terms (PDF, 4MB) and Schedule of Services and Tariffs (PDF 236KB) (as maybe amended from time to time) apply as available on www.hsbc.ae. Third party benefits terms and conditions apply.

1. Generally, 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.

2. We will not charge a fee for each cash withdrawal/advance as set out in the Schedule of Services and Tariffs (PDF 236KB). However, there is no interest free period for cash withdrawal/advance transactions and interest is calculated from the date the transaction is made.

3. Balance Transfer Terms & Conditions (PDF, 89.8KB) apply available on www.hsbc.ae and as may be amended from time to time.

4. To 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 236KB) 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

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

Are you eligible?

How to apply

Apply online

Have us call you

Apply by phone

Documents you'll need to provide

Notes

Related products

Cashback Credit Card

Advance Credit Card

Premier Credit Card

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