HSBC Cash+ Credit Card
A flat-rate cashback credit card by HSBC earning 1% cashback on all spends with lifestyle perks.
AED 1,050.00
1% all spends
AED 30,000
3.15%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You earn AED 30,000+ monthly and spend AED 24,000 or more across all categories.
Not ideal if
You concentrate spending in dining, travel, or groceries with category-specific bonus potential.
Watch out for
AED 24,000 monthly spend required to waive the AED 1,050 annual fee.
Calculate This Card’s Value
Earning Rates
1%
Perks
Key Strengths and Weaknesses
Strengths
Simple 1% cashback on all purchases with no category tracking required.
Annual fee waived when you spend AED 24,000 or more monthly.
Includes Careem Plus, cinema BOGO, lounge access, and Zomato perks.
Watch out for
AED 1,050 annual fee applies if monthly spend falls below AED 24,000.
Requires AED 30,000 minimum monthly salary to qualify.
3.15% foreign exchange markup reduces value on international transactions.
Fees & Conditions
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Frequently Asked Questions
What is the minimum salary to apply for the HSBC Cash+ Credit Card?
You need a minimum monthly salary of AED 30,000 to be eligible for this card.
How much do I need to spend to waive the annual fee?
You must spend at least AED 24,000 per month to waive the AED 1,050 annual fee. If you spend less, the full fee applies.
What cashback rate does this card earn?
The HSBC Cash+ Credit Card earns 1% cashback on all purchases with no caps or category restrictions.
Can I use this card abroad without extra charges?
You can use it internationally, but a 3.15% foreign exchange markup applies to all transactions in foreign currencies.
What lifestyle perks come with the HSBC Cash+ Credit Card?
The card includes Careem Plus membership, cinema buy-one-get-one offers, airport lounge access, and Zomato dining benefits.