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Cashback
HSBC
Live+ Credit Card
No salary transfer needed
Min. salary
AED 5,000
Annual fee
AED 313.95
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 the first year; thereafter waived on annual spend of AED 12,000
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 313.95
- Fee note
- Free for the first year; thereafter waived on annual spend of AED 12,000
- 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 5,000
- 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.
- Welcome cashback of up to AED 800: up to AED 600 when you get the card, plus AED 100 on first mobile-wallet use and AED 100 when a supplementary card makes a payment (offer ends 31 December 2026)
- 6% cashback on dining (up to AED 200), 5% on fuel (up to AED 200) and 2% on groceries and entertainment (up to AED 200) per statement cycle when you spend at least AED 3,000 a month
- 0.5% cashback on all other spends, and on all spends when monthly spend is below AED 3,000
- 12 complimentary airport lounge visits a year for you and additional cardholders at over 1,200 lounges (make at least 1 international purchase of USD 1 in the calendar year)
- 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
- Complimentary travel insurance cover of up to USD 500,000 for you and your family on trips up to 90 days
- Extended warranty doubling the original manufacturer's warranty for up to 1 year
- Complimentary Zomato Gold membership and Careem Plus subscription
- Fraud protection cover up to USD 2,500 per claim (Visa)
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.