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Rewards
HSBC
Max Rewards Credit Card
No salary transfer needed
Min. salary
AED 10,000
Annual fee
AED 630
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 630
- 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 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
- Double Points when you spend over AED 3,000 a month
- 12 complimentary airport lounge visits a year (with qualifying international purchase)
- Complimentary travel insurance cover of up to USD 500,000
- Complimentary Zomato Gold membership (up to 50% off dining)
- Complimentary 12-month Careem Plus subscription
- Purchase protection and 24-hour concierge service
- Redeem Points for flights, hotels and e-vouchers via the HSBC UAE app
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.