HSBC
Advance Credit Card
The Advance Credit Card is a rewards credit card from HSBC. It has no annual fee, and needs a minimum salary of AED 12,500 a month.
Annual fee
Free
Joining fee
Free
Min. salary
AED 12,500/mo
Rewards in
HSBC Rewards Points
Material
Plastic
Card highlights
- Earn 1 HSBC Rewards Point per AED 1 on all eligible spend
- 4 complimentary airport lounge visits a year via Mastercard Travel Pass (selected lounges)
- Complimentary 12-month Zomato Gold plus discounts at 400+ UAE restaurants
- Buy 1 Get 1 Free cinema tickets monthly and complimentary 12-month Careem Plus subscription
Earn rates
| Category | Rate |
|---|---|
| Travel | 0.71% |
| Retail | 0.71% |
| Supermarket | 0.71% |
| Dining & food | 0.71% |
| Fuel | 0.71% |
| Utilities | 0.71% |
| Education | 0.71% |
| Transport | 0.71% |
| Online shopping | 0.71% |
| International spend | 0.71% |
| Real estate | 0.71% |
Benefits & perks
- •Airport lounge access via Mastercard Travel Pass: 4 complimentary visits/year (activated by a qualifying cross-border transaction)
- •Buy 1 Get 1 Free movie ticket monthly (with AED 6,000 spend that month), plus up to 25% off cinema food and beverages
- •Complimentary 12-month Zomato Gold membership: discounts at 400+ UAE restaurants
- •Complimentary 12-month Careem Plus subscription (Dubai and Abu Dhabi cardholders)
- •Purchase protection: up to USD 5,000/year (USD 2,000/claim) for 90 days
- •Bicester Villages VIP lounge access plus 15% off purchases
- •IHG hotels: 15% discount
- •Booking.com: up to 7% off (capped at EUR 200)
- •Avis car rental: 20% off plus complimentary upgrade
- •Airalo eSIMs: 15% off
- •Budget car rental: up to 10% off
- •home&Away worldwide lifestyle offers
- •MyUS membership: complimentary 2-year subscription
- •Up to 56 interest-free days
About this card
- •Earn 1 rewards point per AED 1 spent: each point worth AED 0.00712 (about 0.71% back on spend)
Every card is checked against official bank sources. Last updated October 2026.
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Questions people ask
What does the HSBC Advance Credit Card earn?
A no-annual-fee HSBC Mastercard for HSBC Advance customers earning 1 HSBC Rewards Point per AED 1 (about 0.71%) on all eligible spending, with 4 lounge visits a year that need a USD 1 cross-border purchase to activate.
What does the HSBC Advance Credit Card cost?
No annual fee and no joining fee. A security cheque is required (Perkly records it as 120%); Advance customers are not exempt.
What does spending abroad cost on the HSBC Advance Credit Card?
Spending abroad costs up to about 3.31% all in: HSBC's 2.1% (2% plus VAT) Foreign Currency Processing Fee on transactions not in your billing currency, plus Mastercard's processing fee of up to 1.21% including VAT, both published by HSBC. International transactions billed in AED are charged 1.05% (1% plus VAT).
What should I watch out for with the HSBC Advance Credit Card?
Only HSBC Advance customers can get this card; the real test is holding an Advance Account, which needs an AED 12,500 monthly salary transfer plus AED 125,000 with HSBC built up within 18 months (the AED 125,000 is not needed if your employer is listed in HSBC's Employee Workplace Solutions programme). The earn rate is modest: 1 Point per AED 1 is about 0.71% at Perkly's value of AED 0.00712 a point. There is no travel insurance on this card, and the 4 lounge visits need a USD 1 cross-border purchase at least 72 hours before.
More from HSBC
HSBC Premier Credit Card
- Earn 1 HSBC Rewards Point per AED 1 on all eligible spend
- 8 complimentary airport lounge visits a year (1,200+ lounges) via Mastercard Travel Pass
Updated November 2026
HSBC Cash+ Credit Card
- 1% cashback on all spend daily, no cap; plus 10% Bonus Cashback on earnings from AED 5,000/month spend (effective ~1.1%)
- Unlimited complimentary airport lounge access (1,000+ lounges) via Visa Airport Companion, with 1 complimentary guest
Updated October 2026
HSBC Live+ Credit Card
- Earn 6% cashback on dining, 5% on fuel, 2% on supermarkets and entertainment (AED 3,000 monthly spend required; each category capped at AED 200 per cycle)
- 12 complimentary airport lounge visits a year (1,200+ lounges) plus multi-trip travel insurance up to USD 500,000
Updated October 2026