The HSBC Cash+ Credit Card is designed for individuals who want to apply for a credit card in Dubai and earn daily cashback with every eligible purchase.
This card provides a seamless online credit card application experience, together with a wide range of lifestyle and travel benefits, all subject to approval by HSBC.
Key Facts (Summary)
- Annual fee: AED 0 for the first year. AED 1,050 (including VAT) in subsequent years, unless minimum spend is met (terms apply).
- APR (Annual Percentage Rate): 44.28% fixed APR on purchases and cash withdrawals.
- Minimum income: AED 30,000 per month.
- Fees note: Late payment and foreign transaction fees apply as per HSBC’s official schedule. Annual fee waiver after the first year requires spending at least AED 24,000 per year. Additional finance charges or fees may apply if payments are overdue or credit limit is exceeded.
الحقائق الأساسية (ملخص)
- الرسوم السنوية: مجانية في السنة الأولى، و1,050 درهم (شاملة ضريبة القيمة المضافة) اعتبارًا من السنة الثانية (يُعفى منها العميل إذا بلغ إنفاقه السنوي 24,000 درهم على الأقل، وتُطبَّق الشروط).
- معدل النسبة السنوية (APR): 44.28% ثابتة على المشتريات والسحوبات النقدية.
- الحد الأدنى للدخل: 30,000 درهم شهريًا.
- ملاحظات حول الرسوم: تُطبَّق رسوم التأخر في السداد ورسوم المعاملات بالعملات الأجنبية وفقًا لجدول الرسوم الرسمي للبنك، وقد تُفرض رسوم تمويل أو رسوم إضافية عند التأخر في السداد أو تجاوز الحد الائتماني.
Why This Card is for You?
The HSBC Cash+ Credit Card is suitable for those seeking daily cashback with no minimum spend and no earning caps, making it attractive for frequent shoppers and travellers.
Both employed and self-employed applicants can apply for this credit card in Dubai, provided they meet all eligibility requirements.
Beyond cashback, the card offers complimentary airport lounge access, international rewards, travel insurance, and a host of digital banking features.
Pros and Cons of the HSBC Cash+ Credit Card
Pros
- Daily cashback: Earn 1% cashback on all spends with no minimum or maximum limit.
- Annual fee waiver: No annual fee in the first year and in subsequent years if minimum spend is met.
- Extensive benefits: Complimentary lounge access, travel insurance, and discounts on dining and entertainment.
Cons
- High income requirement: AED 30,000 monthly minimum income to apply.
- High APR: 44.28% fixed APR applies to purchases and withdrawals if balances are not paid in full.
How to Apply for Your HSBC Cash+ Credit Card
To apply for the HSBC Cash+ Credit Card, visit the official HSBC UAE website and select “apply for credit card online.”
Complete the online credit card application, upload your Emirates ID and income documents, and await review.
All applications are assessed according to HSBC and UAE Central Bank policies, and approval is never guaranteed.
Disclaimer
This content is for informational purposes only and is not issued or endorsed by HSBC UAE. 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 الإمارات 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.