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Zero Credit Card

Get zero interest on purchases for the first 3 months, with zero annual membership fee
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.

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


Zero annual fee.


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. 

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

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.

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 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.


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.

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.


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.

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