HSBC Emirates Skywards Signature Credit Card
A travel credit card by HSBC earning up to 1.75 miles/USD on travel and 1 mile/USD on international spend.
AED 1,050.00
Up to 1.75 miles/USD
AED 10,000
3.15%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You fly Emirates regularly and spend heavily on international travel each month.
Not ideal if
You spend mostly on groceries, utilities, or education with minimal international purchases.
Watch out for
The AED 1,050 annual fee is not waivable and requires strong travel spend to justify.
Calculate This Card’s Value
Earning Rates
1.75 miles/USD
1 mile/USD
0.75 miles/USD
0.01 miles/USD
0.1 miles/USD
0.1 miles/USD
Perks
Key Strengths and Weaknesses
Strengths
Earns 1.75 miles per USD on travel bookings with no cap.
Welcome bonus of up to 25,000 Skywards Miles plus Silver Tier fast-track.
Includes lounge access, Careem Plus, and cinema buy-one-get-one offers.
Watch out for
AED 1,050 annual fee with no waiver option.
Groceries, utilities, and education earn only 0.01 to 0.1 miles per USD.
Requires minimum salary of AED 10,000 to qualify.
Fees & Conditions
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Compare With
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HSBC
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Frequently Asked Questions
Is the annual fee worth it?
The AED 1,050 annual fee is worth it if you regularly book travel and make international purchases, earning 1.75 and 1 mile per USD respectively. If you spend mostly on groceries or utilities, the low earn rates make it hard to justify the fee.
How does the welcome bonus work?
You receive 10,000 Skywards Miles when you pay the annual fee. Spend AED 20,000 in the first 60 days to earn an additional 15,000 miles and fast-track to Emirates Silver Tier membership.
Can I use this card abroad?
Yes, you earn 1 mile per USD on international purchases. However, a 3.15% foreign exchange markup applies to all foreign currency transactions.
Does this card earn on school or university fees?
Yes, but education spends earn only 0.1 miles per USD, which is much lower than the travel and international rates.
What is the minimum salary to qualify?
You need a minimum monthly salary of AED 10,000 to be eligible for this card.