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HSBC
Platinum Select Credit Card
Salary transfer required
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
- 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 4 spent on the card
- Redeem Points for airline miles, hotel points or e-vouchers via the HSBC UAE app
- Buy 1 Get 1 Free movie tickets every month and up to 25% off cinema food and drink
- Extended warranty doubling the manufacturer's warranty for up to 1 year (Visa)
- Purchase protection against theft or damage (Visa)
- Complimentary Zomato Gold membership (up to 50% off dining)
- Complimentary 12-month Careem Plus subscription
- Up to 56 days interest free on purchases when the balance is paid in full
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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.