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Premium
HSBC
Premier Credit Card
No salary transfer needed
Min. salary
AED 40,000
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 40,000
- 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 offer: 330,000 Points worth up to AED 2,350 when you use the card, add it to your mobile wallet, get a supplementary card and make a non-AED transaction (offer ends 31 October 2026)
- Earn 1 Point for every AED 1 spent on the card
- 8 complimentary airport lounge visits a year at over 1,200 lounges via Mastercard Travel Pass (guests USD 32; requires a USD 1+ cross-border transaction 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
- Complimentary travel insurance when you buy return airline tickets on the card
- 1 complimentary Careem airport ride per year, up to AED 84
- 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
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.