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Zero Credit Card

A simple credit card with zero fees and plenty of rewards.

Pay what you owe and nothing more

With the HSBC Zero Credit Card, we won't charge you anything extra for using it. Plus, you'll get a range of rewards to choose from. 

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


Cash withdrawals and purchases
44.28% APR (fixed)[@aproverduepayments]

Annual fee

Why get a Zero Credit Card?

No added fees

Pay zero fees for annual membership, going over your credit limit [@nofeeovercreditlimit] and withdrawing cash [@nofeecashwithdrawal].

No processing fees

Transfer balances from your other credit cards with no processing fees or early repayment fees. Terms apply.

No interest

Enjoy 0% interest on your purchases for the first 3 months[@zerointerest].

Discover more Zero features

Enjoy more of the things you love

A range of rewards on shopping, eating out and more, worldwide.

  • Browse over 10,000 Buy 1 Get 1 Free offers on food deliveries, eating out, spa days and getaways with the HSBC ENTERTAINER app.
  • Get discounts at over 400 restaurants across the UAE when you pay with your credit card.
  • Get deals on shopping, travel, dining and more worldwide with home&Away.

Travel the world for less

Book flights and hotels with your credit card to enjoy discounts all year round.

  • Stay at luxury hotels worldwide with Visa Luxury Hotels, and get best rate guarantees, room upgrades, complimentary breakfast and more.
  • Save at over 200 airport restaurants worldwide with DragonPass Dine & Travel[@visainternational]. App terms and conditions apply.

Your Zero card also comes with

  • Purchase protection
    Shop confidently knowing your purchases are protected in full against theft or damage. Buyers Protection is offered by Visa International.
  • Interest free days
    Enjoy no interest on purchases for up to 56 days when you pay your monthly balance in full.
  • Extended warranty on your purchases
    Automatic extended warranty on purchases you make in full with your card. It doubles the original manufacturer’s warranty for up to 1 year. Offered by Visa International.
  • Digital cards
    Add your HSBC UAE cards to your digital wallet for instant contactless purchases. You don't even need to wait for them to be delivered - just access your card details in the HSBC UAE app.

Things to know

Who can apply?

You don't need an account with us to apply for a Zero Credit Card, but you'll need to:

  • earn at least AED 10,000 a month
  • be aged between 21 and 65
  • live in the UAE

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.

Get started

New to HSBC?

Check your eligibility online and get an approval in principle in just 5 minutes.

Once we've approved your application, your card could be with you within 24 hours.

Already an HSBC customer?

Apply for your card in minutes in the HSBC UAE app. Just open the app, scroll to 'Products & services', then select 'Apply for credit card'.

Not the right card?

Discover more credit cards to find the one that's best for you.


Earn Air Miles on your spending and enjoy great lifestyle benefits all year round.


Turn everyday spends into cashback, plus enjoy credit portability from your home country and a range of travel and lifestyle rewards.


The credit card that rewards you when you shop.

Additional information

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 you know about any changes, either before the change or shortly afterwards.
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