← All 173 cards
Cashback
HSBC
Zero Credit Card
Min. salary
AED 10,000
Annual fee
AED 0
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%
No annual fees charged
01Fees & rates
What it costs.
- Annual fee
- AED 0
- Fee note
- No annual fees charged
- 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 10,000
- 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.
- No annual fees
- No overlimit charges
- No cash advance fees
- Zero processing fee and 0% interest on Easy Payment Plan conversions
- AED 500 welcome bonus cashback (offer dated; valid until April 30, 2023)
- Up to 30% off dining at select restaurants
- 1,000+ discounts via HSBC Entertainment App
- Up to 10% off British Airways airfares
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.