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 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.
What you'll get
Things you should know
Who can apply?
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.
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 2021 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, there is no interest free period 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 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, 1.6MB) will apply. The 3 months interest free period is only available for new HSBC credit cardholders.