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Premium
HSBC
Black Credit Card
Min. salary
AED 50,000
Annual fee
AED 1,575
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%
01Fees & rates
What it costs.
- Annual fee
- AED 1,575
- 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 50,000
- Salary transfer
- –Not published in the catalogue yet; it is not zero.
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.
- Complimentary lounge access at more than 1,000 airports
- 150,000 sign-up air miles
- 2.5 miles per AED 1 on travel purchases
- Free valet parking across Dubai and Abu Dhabi
- Up to 10% off British Airways airfares
- 15% discount on IHG Hotels & Resorts stays
- Buy one get one free offers at VOX Cinemas
- Travel inconvenience and medical insurance
Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026; cards marked reviewed carry figures verified against the banks' own schedules of charges (4 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.