Imagine having a card that opens the door to luxury, ease, and special perks. HSBC UAE offers credit cards that do just that. We are talking about the HSBC Black Credit Card, designed for those who want the best in travel, dining, and lifestyle; this card offers a range of benefits that meet its users’ high expectations. This article takes a dive into the features, benefits, and application process of the HSBC Black Credit Card in UAE, providing a detailed overview for potential cardholders.
HSBC Overview
HSBC, a.k.a. Hong Kong and Shanghai Banking Corporation Ltd, is one of the world’s top financial institutions. HSBC credit cards are famous globally for their great rewards and dependable banking services. Despite HSBC’s strong reputation, many people don’t know about the long history of HSBC credit cards in the UAE.
HSBC has been in the Middle East since 1946, originally called The Imperial Bank of Iran. After rebranding to HSBC, the bank quickly grew and eventually opened a regional office in the UAE to better serve its customers. One of the most prestigious cards in the region is the Black HSBC credit card. This card provides cardholders with significant local and international benefits on land and in the air.
Read on to find out more about this amazing credit card by HSBC UAE.
HSBC Black Credit Card UAE Benefits:
These are the benefits that the HSBC Black Credit Card offers in UAE:
Get Up to AED 800 Cashback
- AED 600: Apply for selected credit cards.
- AED 100: Use your card in your mobile wallet for the first time.
- AED 100: Apply for your first supplementary card and use it once.
Why Get This HSBC Black Credit Card in UAE?
Bonus Air Miles
- Get 150,000 Air Miles when you sign up.
- Get 75,000 Air Miles when you renew your membership each year.
International Concierge
- Enjoy luxury travel planning, fine dining, and exclusive events.
Interest-Free Days
- No interest on purchases for up to 56 days if you pay your monthly balance in full.
Careem Plus
- Free 12-month Careem Plus subscription. Just add and use your HSBC credit card on the Careem app.
More Black Features
- Rewards: Get rewards on shopping, eating out, and more, worldwide.
- Luxury Hotel Benefits: Room upgrades and late checkouts with Global Hotel Alliance.
- Buy 1 Get 1 Free Offer: Over 11,000 offers on food, spa days, and more with the HSBC ENTERTAINER app.
- Free Golf Rounds: Play 2 free rounds of golf every month with Spikes On.
- Discounted Golf: With Mastercard, 30% off unlimited golf rounds at over 800 golf clubs worldwide.
- Shipping Discount: Free 2-year MyUS membership for up to 30% off international shipping.
- VIP Lounge Access: 15% off shopping and more at Bicester Villages worldwide.
Travel the World for Less
- Flight and Hotel Discounts: Save on flights and hotels. Enjoy special offers like room upgrades and transfers.
- Cleartrip offers 12% off roundtrips, flights, or hotels. When you pay, use code ‘MCWORLDELITE’.
- Booking.com: Earn 10% money back on your stay.
- Hotel Discounts: 10% off at Soneva, Agoda, onefinestay, and Ministry of Villas; 15% off at IHG hotels.
Complimentary Airport Lounge Access
- The Mastercard Travel Pass app allows you to access over 1,200 airport lounges for free. You can add guests for USD 32 each.
Other Benefits
- Upgraded Car Rentals: Join Hertz Gold Plus Rewards® President’s Circle to receive special benefits, including fast-track rental lines and up to 15% off rental rates.
- Careem Offers: Get 6 free airport rides from Careem, saving up to AED 110 each. Use code MAUAE6. Terms and conditions apply.
- Save on Avis Car Rentals: Get 20% off on car rentals with Avis and enjoy a free upgrade with every rental worldwide.
- Cinema Discounts: Get one free movie ticket for every ticket you buy monthly and enjoy up to 25% off food and drinks at cinemas across the UAE.
HSBC Black Credit Card UAE Requirements:
Here are the basic requirements that you need to fulfil to obtain the HSBC Black Credit Card in UAE:
Eligibility Criteria
- Premier Account: A Premier Account or a monthly payout of at least AED 50,000.
- Age: Between 21 and 70 years.
- Residency: UAE resident with valid proof of residency and income.
Required Documents
Proofs of ID:
- Passport
- Emirates ID
- Residence visa (if you’re a non-GCC national)
Proof of UAE Residency (choose one):
- Tenancy agreement or EJARI
- Title deeds (if you own a home)
- Utility bill (no more than 2 months old)
Proofs of Income:
- Last 2 bank statements from the account where your salary is deposited, or 2 salary credits into your HSBC account
- You will need your salary certificate from your employer (given in the last month)
HSBC Black Credit Card Annual Fee:
The annual fees for the HSBC Black Credit Card in UAE are:
- AED 1,575, including VAT
HSBC Black Credit Card Interest Rate:
APR (Annual Percentage Rate): 44.28% (fixed) for cash withdrawals and purchases
HSBC Black Credit Card Apply Online:
Simply follow these steps to apply for the HSBC Black Credit Card online in UAE:
- Visit the credit card page.
- Scroll down and click “Apply Now”.
- Select whether you are new to HSBC or an existing HSBC customer from the options given.
- Select your UAE residency status.
- Select the nature of your employment, whether you will transfer salary, monthly income, average monthly balance, or company name.
- Click “Find my credit card”.
- It will then show you cards based on your eligibility. You can select the HSBC Black credit card and add it to the cart.
- Similarly, follow the on-screen instructions to apply for the credit card.
- Once the bank has received your application, they will directly contact you regarding further process.
Final Takeaway:
The HSBC Black Credit Card in UAE is perfect for those who want top-notch benefits and luxury. It’s great for frequent travellers, dining lovers, and anyone who enjoys exclusive rewards. You’ll enjoy premium perks if you meet the requirements and complete the easy application.
Also, check out our guide on the HSBC Cash Plus Credit Card and HSBC Premier Credit Card to learn more about their benefits.
Frequently Asked Questions (FAQs):
Q. How do I pay my HSBC Black Credit Card bill?
Payment Methods: Pay at HSBC branches, ATMs, online banking, or the HSBC UAE app.
Q. What is the annual fee for the HSBC Black Credit Card?
Annual Fee: AED 1,575, inclusive of VAT.
Q. Can I add supplementary cardholders?
Supplementary Cards: Supplementary cardholders enjoy the same benefits as the primary cardholder.
