← All 169 cards
Premium
HSBC
Black Credit Card
No salary transfer needed
Min. salary
AED 50,000
Annual fee
AED 1,575
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%
No standard waiver
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 1,575
- Fee note
- No standard waiver
- 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 50,000
- 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.
- 75,000 bonus Points every year when you renew your membership
- Earn up to 2.5 Points for every AED 1 spent on travel, plus Points on retail, online and foreign-currency spending
- 14 complimentary airport lounge visits a year for you and a guest to over 1,200 lounges worldwide (Mastercard Travel Pass)
- International concierge service for travel, dining and events (Mastercard)
- 4 complimentary Careem airport rides per year, up to AED 84 each
- Complimentary travel medical cover, travel inconvenience insurance and rental car collision/loss damage waiver when trips are booked on the card
- Complimentary Zomato Gold membership (up to 50% off dining)
- Global Hotel Alliance membership benefits including room upgrades
- Golf benefits with SpikesOn; VIP lounge access and 15% off shopping at Bicester Villages worldwide
- Up to 56 days interest free on purchases when the balance is paid in full
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.