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Zero Credit Card

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

Our credit card annual percentage rates are changing

From 15 November 2022, the Annual Percentage Rate on outstanding purchases and cash withdrawals on all of our credit cards will increase to 44.28%.

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 300 cashback when you apply for a Cashback Credit Card today.1

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.2

  • Zero cash advance fee

    If you need to withdraw cash using your credit card, you won't be charged a cash advance fee.3

  • Zero processing fees on balance transfers

    Transfer balances from your other credit cards and you'll pay zero processing fees4;
    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.5

  • 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 42.00% on outstanding purchases and cash withdrawals on the Zero Credit Card with no annual fee.6 From 15 November 2022, the new Annual Percentage Rate of 44.28% on outstanding purchases and cash withdrawals will apply.

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.


1AED 300 cashback available to all new and existing HSBC customers who apply for a new primary HSBC Cashback Credit Card or HSBC Zero Credit Card or HSBC Premier Credit Card or HSBC Advance 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 31 December 2022 to qualify and only eligible spends as referenced in the Terms and Conditions will be accepted.

2Generally, 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.

3We 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.

4Balance Transfer Terms & Conditions (PDF, 90KB) apply as may be amended from time to time.

5To 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.

6Will 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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