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Cashback
HSBC
Zero Credit Card
No salary transfer needed
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
- 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.
- No annual fee, ever (AED 0)
- 0% interest on purchases for the first 3 months
- No cash advance/withdrawal fee (tariff: HSBC Zero cash advance fee 'No Fees')
- No over-limit fee (tariff: HSBC Zero over limit fee 'No Fees')
- Complimentary Zomato Gold membership (up to 50% off dining) and discounts at over 400 UAE restaurants
- Visa Luxury Hotel Collection: best rate guarantee, room upgrades, complimentary breakfast
- Purchase protection against theft/damage and extended warranty doubling the manufacturer's warranty for up to 1 year (Visa)
- Up to 56 days interest free on purchases when the balance is paid in full
- No rewards/cashback programme on this card
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.