The HSBC Live+ Credit Card offers structured cashback rates depending on monthly spending. Cardholders can earn up to 6% on dining, 5% on fuel, 2% on groceries, education, and entertainment, and 0.5% on other spends. Cashback is capped by category, with a maximum of AED 200 per cycle.
In addition to cashback, the card includes perks such as complimentary Careem Plus, dining discounts at thousands of restaurants, Buy 1 Get 1 free movie tickets, and access to over 1,000 international airport lounges when eligibility conditions are met.
About the bank: HSBC
HSBC is one of the world’s largest international banking and financial services organizations, operating across more than 60 countries. In the UAE, HSBC Bank Middle East Limited is regulated by the Central Bank of the UAE and the Dubai Financial Services Authority.
The bank emphasizes customer transparency and compliance with local regulations, ensuring that all credit card features are supported by detailed Key Facts Statements and consumer protections.
How this HSBC credit card works
Cashback is earned when cardholders meet a minimum spend of AED 3,000 per month. Higher cashback percentages apply to categories like dining and fuel, with caps on the maximum that can be earned per category per billing cycle.
Additional benefits are activated based on spending conditions, such as free cinema tickets for those spending AED 6,000 in a month and complimentary lounge access upon making an eligible international transaction. These rules ensure that rewards are tied to consistent card usage.
Requirements to apply for this credit card
- Must be a UAE resident
- Minimum monthly income of AED 5,000
- Age between 21 and 65
- Valid Emirates ID
- Salary certificate or bank statement
متطلبات التقديم للحصول على هذه البطاقة الائتمانية
- الإقامة: أن يكون المتقدم مقيمًا في دولة الإمارات العربية المتحدة.
- الحد الأدنى للدخل الشهري: 5,000 درهم.
- العمر: بين 21 و65 عامًا.
- الهوية: بطاقة هوية إماراتية سارية المفعول.
- إثبات الدخل: شهادة راتب أو كشف حساب بنكي.
Card fees
- Annual fee: Free first year; AED 313.95 from second year (waived if annual spend ≥ AED 12,000)
- APR: 44.28% fixed on purchases and cash withdrawals
- Cashback cap: AED 200 per category per billing cycle
رسوم البطاقة
- الرسوم السنوية: مجانية في السنة الأولى، و313.95 درهم اعتبارًا من السنة الثانية (يُعفى منها العميل إذا تجاوز إنفاقه السنوي 12,000 درهم).
- معدل النسبة السنوية (APR): 44.28% ثابتة على المشتريات والسحوبات النقدية.
- الحد الأقصى للاسترداد النقدي: 200 درهم لكل فئة في كل دورة كشف حساب.
Credit card apply online
- Visit the HSBC UAE website or mobile app
- Complete the credit card application form
- Upload Emirates ID and proof of income
- Wait for review and confirmation from HSBC
Apply for Credit Card
Applications can be made online, via the HSBC UAE app, or at bank branches. Approval depends on meeting income, residency, and eligibility requirements.
This card is designed for individuals who want both cashback on everyday categories and lifestyle perks such as lounge access and insurance coverage, but applicants must meet minimum monthly spend conditions to maximize rewards.
Disclaimer / إخلاء مسؤولية
This content is for informational purposes only and is not issued or endorsed by HSBC. All terms, rates, and fees are subject to change and regulatory approval. Please refer to the bank’s official website and Key Facts Statement for the most accurate and updated information.
هذا المحتوى لأغراض إعلامية فقط، ولم يصدر عن بنك HSBC أو يُعتمد من قِبَله. تخضع جميع الشروط والأسعار والرسوم للتغيير ولموافقة الجهات التنظيمية. يُرجى الرجوع إلى الموقع الرسمي للبنك وإلى بيان الحقائق الأساسية للاطلاع على أدق المعلومات وأحدثها.