Are you looking for a credit card that rewards you for everyday spending? The HSBC Cash Plus Credit Card might be the perfect fit! 

This card offers cashback on your purchases, with no minimum spend required. In this comprehensive guide, we’ll delve into everything you need to know about the HSBC Cash Plus Credit Card, including its benefits, rewards program, eligibility requirements, and potential drawbacks. 

So, buckle up and get ready to learn how this card can help you maximize your cashback potential!

About HSBC Cash Plus Credit Card

HSBC Cash Plus Credit Card


Turn everyday spending into rewards with the HSBC Cash+ Credit Card.  Earn cashback daily on your purchases, with no minimum spending amount and no limit on how much cashback you can earn. Plus, enjoy a variety of travel and lifestyle benefits.  

However, to qualify for this card, you’ll need a minimum monthly income of AED 30,000.

Maximize your rewards with the HSBC Cash+ Credit Card:

  • Earn daily cashback: Enjoy 1% cashback on all your purchases, every day, with no minimum spend required and no limits on how much cashback you can earn.
  • Boost your cashback: Get an additional 10% bonus cashback throughout the year when you meet the minimum spending requirements.
  • Save on interest: Transfer your existing credit card balances to the Cash+ Credit Card and take advantage of a potentially lower interest rate.
  • Unlock exclusive benefits: Enjoy a complimentary 12-month Careem Plus subscription. Simply add and use your HSBC Cash+ Credit Card on the Careem app to unlock exclusive perks.

HSBC Cash Plus Credit Card Benefits

Global Savings

Enjoy a range of rewards on shopping, dining, and travel worldwide. Save at over 200 airport restaurants with DragonPass Dine & Travel, and get deals on hotels with

Entertainment Perks

Never miss a deal! Download the HSBC ENTERTAINER app to access hundreds of Buy 1 Get 1 Free offers and discounts at restaurants, spas, and more. Plus, get discounts at hundreds of UAE restaurants.

Relax in Style

Unwind before your flight with complimentary access to over 1,000 airport lounges worldwide through LoungeKey™. Bring guests and enjoy unlimited visits with qualifying purchases.

More Benefits

  • Premium Service: Enjoy a 24-hour concierge service provided by Visa Concierge. They can handle everything from travel arrangements to restaurant bookings.
  • Travel with Confidence: Get complimentary multi-trip travel insurance for you and your family, with coverage up to USD 500,000 for trips under 90 days.
  • Double Your Warranty: Benefit from automatic extended warranty on purchases made in full with your card, doubling the manufacturer’s warranty for up to a year (offered by Visa International).
  • Streamlined Travel: Enjoy a personalized airport experience with YQ Meet & Assist, with up to 30% off at over 450 locations globally.
  • Instant Purchases: Add your HSBC UAE cards to your digital wallet for contactless payments using the HSBC UAE app (no need to wait for physical cards).
  • Peace of Mind: Benefit from fraud protection covering up to USD 2,500 per claim and USD 4,000 annually.

How to Apply


You don’t need an account with us to apply for a Cash+ Credit Card, but you’ll need to:

  • earn at least AED 30,000 a month
  • be aged between 21 and 65
  • live in the UAE


  • Identification:
    • Passport
    • Emirates ID
    • Residence visa (if you’re not a GCC national)
  • Proof of UAE residency (choose one):
    • Tenancy agreement (EJARI)
    • Title deeds (if you’re a homeowner)
    • Utility bill less than 2 months old
  • Proof of income (choose one):
    • Last 2 bank statements showing salary deposits
    • 2 recent salary credits into your HSBC account
    • Salary certificate from your employer (issued within the last month)

Additional cardholder requirements:

  • Passport and Emirates ID information for the additional cardholder (if applicable)

Security cheque:

  • Upon approval, a security cheque for 120% of your credit limit may be required (except for Premier or Global Private Banking customers).

Application Process

Check Your Eligibility Online (Optional):

  • Visit the HSBC UAE website or click here and scroll to the bottom until you find ‘Apply Now’  to be directed to the application page.
  • Click on it to be directed to the “Check Eligibility” page. 

Identify Your Customer Status (Required):

  • The application will ask you to identify your customer status with HSBC UAE. Choose one of the following:
    • New to HSBC
    • Global HSBC Premier Customer
    • Family of HSBC UAE Premier Customer

Confirm UAE Residency (Required):

  • Select your residency status in the UAE. This could involve choosing “Yes” or “No” depending on the format.

Continue the Application:

  • Click “Next” or the designated button to proceed with the remaining application sections.

Here’s what to expect after submitting your application:

  • HSBC will review your application and may contact you for further information.
  • If approved, you will receive an approval in principle notification.
  • Once fully approved, your card could be delivered within 24 hours.


How to pay for your credit card?

Paying your HSBC credit card is easy!  Head to an HSBC branch or ATM to use cash, cheque, or your debit card. Alternatively, pay online through HSBC or another bank’s platform (if you have an account there). For ultimate convenience, use the HSBC mobile banking app (requires an HSBC account).

How does a Cashplus card work?

A Cashplus card can be either a credit card or a prepaid card. The credit card works like most, offering rewards and letting you borrow money. A prepaid card is like a debit card loaded with your own cash, ideal for budgeting or if you can’t get a traditional credit card.

Does Cashplus show on the credit file?

This likely shows on your credit file. Credit card activity is typically reported to credit bureaus, which can affect your credit score.

Can you withdraw cash from a credit card with HSBC UAE?

Withdrawing cash from an HSBC credit card in UAE is possible, but avoid it if possible! A 3% fee (minimum AED 100) applies to each withdrawal, making it expensive. Use your debit card or an ATM for cash to skip these credit card cash advance charges.

About Author

Hanna Rico

About Author

Hanna Mae Rico is a skilled content writer. With a bachelor's degree in English Language Studies, Hanna has spent over three years working in the digital marketing industry. Her versatility shines through her ability to captivate audiences with lifestyle, travel, and other engaging topics. Her love of written words and her innate ability to transport readers to different places make her a true wordsmith.