Zero Credit Card

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Zero Credit Card

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.

How to apply

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.

Find out more

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.

More about the VOX Cinemas offer

Complimentary HSBC ENTERTAINER app

HSBC ENTERTAINER mobile app Terms & Conditions apply.

Find out more

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

More about the VOX Cinemas offer

British Airways

Get up to 10% off airfares (excluding applicable taxes, charges and fees) when you book with your HSBC Zero Credit Card from 1 January 2022 until 31 December 2022, for travel dates up to 30 December 2023.

To book click below and to access the page please use password HSBCBA.

Book with British Airways This link will open in a new window

Find out more

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 and regions.

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 balances from other credit cards in the UAE to your HSBC Credit Card and benefit from:

save on the interest amount you would have paid on your credit card balance
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 the available limit of your credit card with a Cash Instalment Plan. Apply today and benefit from:

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.

Flexi Instalment Plan

A Flexi Instalment Plan is a great way to spread the cost of eligible purchases and get what you need now while paying more easily in monthly instalments. Apply in a few quick taps via the HSBC UAE app and benefit from:

low interest rates
no processing fees
no early repayment fees
repayment over 3 to 36 months

Cards for family members

Get free supplementary credit cards for your family.

Banking on the go

With the HSBC UAE mobile banking app you can view your accounts and transaction details, set monthly spend limits on your cards, temporarily block and unblock misplaced cards, instantly convert transactions into Flexi Instalment Plans and much more. Download the HSBC UAE app from the Apple App Store or Google Play.

Online banking lets you set up standing instructions, transfer money, view monthly card statements and much more.

Mobile wallets

Pay in an easy, safe and private way using the mobile devices you use every day, wherever contactless payments are accepted.

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

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 purchases and cash withdrawal on the Zero Credit Card with no annual fee.⁶

Benefits and features

We've described the benefits and features of this card on this page. However, we may change these at any time at our discretion. We'll try and let existing customers know about any changes that may affect them, either before the change or shortly afterwards.

Supplementary cards

Supplementary cardholders usually enjoy the same benefits as existing cardholders; we'll let you know when that's not the case.

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.

For application:

Proof of ID (all)

passport
Emirates ID
residence visa (for non-GCC nationals)

Proof of UAE residency (one of the following)

tenancy agreement or EJARI
title deeds (if you’re a homeowner)
utility bill (dated within the last 2 months)

Proof of income (all)

last 2 bank statements from the account into which your salary is paid or 2 salary credits into your HSBC account
salary certificate from your employer (issued in the last month)

If you're applying for a supplementary card, we need to see passport and Emirates ID for the supplementary cardholder as well.

Upon successful application:

security cheque in the value of 120% of your credit facility (not applicable for Jade and Premier customers)

How to apply

Online

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.

Apply now Click to apply now

Callback

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.

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

By phone

Or you can just give us a call.

800 444 7772

From outside UAE call +971 4 224 1000

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

Disclaimers

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 30 June 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.

Why choose a Zero Credit Card?

Benefits you'll enjoy

Complimentary HSBC ENTERTAINER app

I Love Dining

VOX Cinemas

British Airways

Visa Luxury Hotel Collection (VLHC)

DragonPass Dine & Fly

Special offers abroad

Purchase Protection

Extended warranty

Balance transfers

Cash Instalment Plan

Flexi 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

Additional information

Who can apply?

Required documents

How to apply

Online

Callback

By phone

Disclaimers

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Advance Credit Card

Premier Credit Card

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