The HSBC Live+ Credit Card is designed for customers who want consistent cashback on everyday spending such as dining, groceries, fuel, entertainment, and education. It also includes lifestyle perks such as dining discounts, cinema offers, and international lounge access.
This card suits individuals who maintain regular monthly spending, as higher cashback tiers are only unlocked when a minimum of AED 3,000 is spent. It combines rewards, travel benefits, and digital wallet compatibility while maintaining transparency on conditions and fees.
Key Facts (summary)
- Annual fee: Free for the first year; AED 313.95 from the second year (waived if annual spend ≥ AED 12,000)
- APR (Annual Percentage Rate): 44.28% fixed on purchases and cash withdrawals
- Minimum income: AED 5,000
- Fees note: Cashback capped by category (up to AED 200 per category per cycle); minimum monthly spend of AED 3,000 to qualify for higher cashback rates
الحقائق الأساسية (ملخص)
- الرسوم السنوية: مجانية للسنة الأولى؛ 313.95 درهم من السنة الثانية (معفاة إذا تجاوز الإنفاق السنوي 12,000 درهم)
- النسبة المئوية السنوية (APR): %44.28 ثابتة على المشتريات والسحوبات النقدية
- الحد الأدنى للدخل: 5,000 درهم
- ملاحظات حول الرسوم: حد أقصى للاسترداد النقدي حسب الفئة (حتى 200 درهم لكل دورة كشف حساب)؛ حد أدنى للإنفاق الشهري 3,000 درهم للاستفادة من نسب الاسترداد الأعلى
Why this HSBC credit card is for you?
The card is suitable for those who spend regularly on dining, groceries, fuel, and entertainment, as these categories offer higher cashback percentages. It also appeals to frequent travelers, thanks to complimentary lounge access and travel insurance.
Additionally, this card includes lifestyle perks such as dining discounts through Zomato Gold, Buy 1 Get 1 free cinema tickets, and special offers across retail, dining, and accommodation in the MENA region.
Pros and Cons of the HSBC Live+ Credit Card
HSBC credit card rewards
- Up to 6% cashback on dining and 5% on fuel
- 12 complimentary lounge visits per year (with international transaction condition)
- AED 800 Amazon gift card welcome bonus (limited time)
Cons
- Cashback limited to AED 200 per category per cycle
- Annual fee applies after the first year unless minimum yearly spend is met
HSBC credit card apply
Applications can be submitted via the HSBC UAE website, mobile app, or branches. Emirates ID, proof of income, and meeting eligibility criteria are required. Final approval is subject to HSBC’s credit review.
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 يتم إصداره أو اعتماده من قبل بنك HSBC. تخضع جميع الشروط والأسعار والرسوم للتغيير والموافقة التنظيمية. يرجى الرجوع إلى الموقع الرسمي للبنك وبيان المعلومات الأساسية للحصول على أدق المعلومات وأحدثها.