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HSBC
Advance Credit Card
No salary transfer needed
Min. salary
AED 10,000
Annual fee
AED 0
Monthly rate
3.69%
Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
54.5%
Free for life
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
01Fees & rates
What it costs.
- Annual fee
- AED 0
- Fee note
- Free for life
- Monthly rate
- 3.69%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 54.5%
- Minimum salary
- AED 10,000
- Salary transfer
- Not required
Bank-level rates and FX markups from official schedules of charges live in the UAE credit card rates tool; always confirm current terms in the bank's Key Fact Statement before applying.
02Rewards & perks
What you get.
- Earn 1 Point for every AED 1 spent on the card (HSBC Rewards)
- 4 complimentary airport lounge visits a year worldwide via Mastercard Travel Pass (requires a cross-border transaction of USD 1+ every 3 months to keep access)
- Buy 1 Get 1 Free movie tickets every month when you spend at least AED 6,000 in the calendar month of booking, plus up to 25% off cinema food and drink
- Purchase protection for up to 90 days against theft or damage, covered up to USD 5,000 a year
- Complimentary 12-month Careem Plus subscription
- Complimentary Zomato Gold membership (up to 50% off dining)
- Up to 56 days interest free on purchases when the balance is paid in full
- No welcome bonus offered on this card
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Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026. Banks reprice frequently and individual offers vary by credit profile. Always verify current terms in the bank's Key Fact Statement and schedule of charges, and consult the Central Bank of the UAE's consumer-protection resources before borrowing.