HSBC Emirates Skywards Infinite Credit Card
A premium travel credit card by HSBC earning up to 2.75 points/USD on travel and 1.5 points/USD internationally.
AED 2,625.00
Up to 2.75 pts/USD
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 heavily on international travel and overseas purchases.
Not ideal if
You spend mostly on domestic groceries, utilities, or education within the UAE.
Watch out for
AED 2,625 annual fee is not waivable regardless of your spending level.
Calculate This Card’s Value
Earning Rates
2.75 pts/USD
1.5 pts/USD
1 pts/USD
0.25 pts/USD
0.25 pts/USD
0.25 pts/USD
Perks
Key Strengths and Weaknesses
Strengths
Earns 2.75 points per USD on travel bookings, strong for frequent flyers.
1.5 points per USD on all international spend with no cap.
Welcome bonus up to 50,000 Skywards Miles with spend requirement.
Includes lounge access, Careem Plus, and Emirates Silver Tier status.
Watch out for
AED 2,625 annual fee with no waiver option.
Only 0.25 points per USD on groceries, utilities, and education.
Requires AED 30,000 minimum monthly salary to qualify.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it?
The AED 2,625 annual fee is worth it if you spend heavily on international travel and overseas purchases, earning 2.75 points per USD on travel and 1.5 points per USD internationally. If most of your spending is domestic or on groceries and utilities, the low 0.25 points per USD rate makes the fee hard to justify.
How does the welcome bonus work?
You receive 20,000 Skywards Miles when you pay the annual fee, plus 30,000 bonus miles if you spend at least AED 50,000 on eligible purchases within the first 60 days. That's a total of 50,000 miles if you meet the spend requirement.
Can I use this card abroad?
Yes, the card earns 1.5 points per USD on all international spend with no cap, making it suitable for overseas use. The 3.15% foreign exchange markup is standard for UAE credit cards.
Does this card earn on school or university fees?
Yes, but education spending earns only 0.25 points per USD, the same low rate as groceries and utilities. This card is designed for travel and international spend, not everyday domestic categories.
What is the minimum salary to qualify?
You need a minimum monthly salary of AED 30,000 to be eligible for this card.