3HMHSBC Bank Middle East (UAE)HSBC Cash+AED 1,050/yr · AE

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Premium & Luxury · United Arab Emirates

HSBC Cash+ Credit Card

4.2 / 5 editorial score

Best for: high earners who want flat uncapped cashback plus lounge access for themselves and a guest.

#3 of 3 · Premium & Luxury · UAE #12 of 17 · All UAE cards

Annual feeAED 1,050/yr

IssuerHSBC Bank Middle East (UAE)

NetworkVisa

Welcome offerSee issuer for the current offer

Interest rate44.28% APR fixed on purchases and…

Foreign fee2% (2.1% incl. VAT) plus a sch…

Who qualifiesMinimum monthly salary AED 30,000; n…

Why it ranks

Uncapped flat cashback, no category tracking
Guest lounge access is rare at this fee level
Fee waived at AED 2,000 a month of spend

What holds it back

AED 30,000 salary requirement
A flat 1% base trails category cards on dining and fuel

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Our verdict

Why the HSBC Cash+ Credit Card ranks where it does

HSBC Cash+ is a simple premium card: a flat 1% on nearly everything, credited daily, with no minimum spend and no earning cap. On top of that, HSBC adds a 10% bonus on the cashback you earn when you hit spend targets of AED 5,000 in a month, AED 25,000 in a quarter and AED 125,000 in a year. The salary requirement is AED 30,000 a month, and no HSBC account is needed.

The value case rests on the extras more than the rate. A flat 1%, even with the bonus, trails category cards on dining and fuel. What Cash+ offers instead is lounge access for you and a guest at more than 1,000 lounges after a USD 1 international purchase within 15 days before travel, Careem Plus and Zomato Gold memberships, and travel insurance up to USD 500,000.

The card is free for 12 months and then costs AED 1,050 including VAT, waived on AED 24,000 of annual spend, or AED 2,000 a month. Anyone earning AED 30,000 who uses it as a main card will clear that easily, so in practice the card is free. The 2% foreign currency fee plus a scheme fee of up to 1.21% makes it less attractive for spending abroad.

Good fit if

High earners who want one uncapped cashback card without category tracking
Travellers who fly with a companion and want guest lounge access
People spending AED 2,000 a month or more who can waive the fee

Skip it if

Anyone below the AED 30,000 salary requirement
People who spend mostly on dining and fuel, where category cards pay more

Worked example

Assume AED 10,000 of eligible spend every month, AED 120,000 a year. Base cashback is 1%, AED 100 a month. Each month clears AED 5,000 and each quarter AED 25,000, so we apply the 10% bonus to the base cashback once, a conservative reading of how the bonuses combine: AED 110 a month, AED 1,320 a year. The AED 125,000 annual target is not reached. Spend above AED 24,000 waives the AED 1,050 fee, so the full AED 1,320 is kept.

How it stacks up

The Liv Cashback+ pays up to 4% on all spend above AED 15,000 a month for an AED 735 fee and a lower salary bar of AED 15,000, with a 1.99% currency fee. The ADCB TouchPoints Infinite also includes guest lounge access at a similar AED 1,050 fee, but pays in TouchPoints rather than cash. Cash+ remains the simplest choice for people who dislike tracking categories.

HSBC Cash+ pays a flat 1% on nearly everything, credited daily, with a bonus for hitting spend targets and lounge access for you and a guest, for salaries of AED 30,000 and above. Figures are as of September 2026.