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Zero Credit Card

Money alone doesn’t turn a bright idea into a day to remember. You do.

Earn exclusive cashback rewards

Enjoy AED 500 cashback when you get a new primary HSBC credit card and spend a minimum of AED 8,000 within 60 days.1

You could also be eligible for up to a total of AED 5,500 of exclusive cashback offers on a range of products

HSBC New to Bank Customer Offer and Relationship Offer Terms and Conditions apply.

Offer valid from 16 January to 30 April 2023 (both days inclusive).

No fears
Scared of credit cards? With the Zero Credit Card, enjoy no fees for card membership, going over your limit or cash advances. You'll also benefit from 0% interest on purchases for the first 3 months and a flexible instalment plan to help manage your cash flow.

Welcome offer: Get AED 500 cashback when you apply for a Zero Credit Card today.2

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


Zero annual fee.


Why choose 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.3
  • Zero cash advance fee
    If you need to withdraw cash using your credit card, you won't be charged a cash advance fee.4
  • Zero processing fees on balance transfers
    Transfer balances from your other credit cards and you'll pay zero processing fees5;
    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.6
  • 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.

Benefits you'll enjoy

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. 

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.

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 44.28% on outstanding purchases and cash withdrawals on the Zero Credit Card with no annual fee.7

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 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.

How to apply


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.


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

By phone

Or you can just give us a call.

+9714 3216834 (within and outside UAE)

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


1Applicable for new primary Credit Card customers only. Subject to making a minimum of AED 8,000 of eligible spends during the first 60 days of the credit card account opening date.

2AED 500 cashback available to all new and existing HSBC customers who apply for a new primary HSBC 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 30 April 2023 to qualify and only eligible spends as referenced in the Terms and Conditions will be accepted.

3Generally, 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.

4We will not charge a fee for each cash withdrawal/advance as set out in the Schedule of Services and Tariffs (PDF,1.6MB). However, the no interest period does not apply for cash withdrawal/advance transactions and interest is calculated from the date the transaction is made.

5Balance Transfer Terms & Conditions (PDF, 90KB) apply as may be amended from time to time.

6To benefit from the 3 months no fee 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, 1.6MB) will apply. The 3 months no interest period is only available for new HSBC credit cardholders.

7Will 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.

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