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 5,000 (Subject to further eligibility
criteria).
Cash withdrawals and purchases
44.28% APR (fixed)[@aproverduepayments]
Annual fee
AED 0
Pay zero fees for annual membership, going over your credit limit [@nofeeovercreditlimit] and withdrawing cash [@nofeecashwithdrawal].
Transfer balances from your other credit cards with no processing fees or early repayment fees. Terms apply.
Enjoy 0% interest on your purchases for the first 3 months[@zerointerest].
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.
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.
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 purchasesAutomatic 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 cardsAdd 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.
You don't need an account with us to apply for a Zero Credit Card, but you'll need to:
If you're applying for an additional card, you'll also need to provide the passport and Emirates ID information for the additional cardholder.
Once you've been accepted, we'll also ask for a security cheque in the value of 120% of your credit facility. This doesn't apply for existing Premier or Jade customers.
Extra cardholders will usually enjoy the same benefits as you. 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.
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.
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'.
Apply via callback
Request a callback and a member of our team will help you to apply for your card.
We'll get back to you during working hours, Monday to Friday, 09:00 to 16:30. If you contact us outside these times, we aim to get back to you on the next working day. We may record calls to help improve our service to you.
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.
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.
Listening to what you have to say about services matters to us. It's easy to share your ideas, stay informed and join the conversation.
About HSBC© 2024. HSBC Bank Middle East Limited UAE Branch, P.O. Box 66, Dubai, UAE (HBME) regulated by the Central Bank of the UAE for the purpose of this promotion and lead regulated by the Dubai Financial Services Authority. In respect of certain financial services and activities offered by HBME, it is regulated by the Securities and Commodities Authority in the UAE under license number 602004.
This website is designed for use in UAE. Cross border banking.
