HSBC Max Reward Credit Card
A points credit card by HSBC earning 1 point per AED on all spends with lifestyle perks.
AED 630.00
Up to 1 pts/AED
AED 10,000
3.15%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend AED 12,000 or more monthly and actively use Careem, Zomato, and cinema perks.
Not ideal if
You want high category earn rates on dining, travel, or groceries instead of perks.
Watch out for
AED 630 annual fee applies if you spend below AED 12,000 monthly.
Calculate This Card’s Value
Earning Rates
1 pts/AED
Perks
Key Strengths and Weaknesses
Strengths
Includes Careem Plus, Zomato offers, cinema BOGO, and lounge access perks.
Annual fee waived when you spend AED 12,000 or more monthly.
Earns 1 point per AED on all purchases with no caps.
Watch out for
Flat 1 point per AED rate is low compared to category-specific cards.
AED 630 annual fee if you miss the AED 12,000 monthly spend threshold.
Requires AED 10,000 minimum monthly salary to qualify.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it?
The AED 630 annual fee is waived if you spend at least AED 12,000 per month. If you meet that threshold and use the Careem Plus, Zomato, cinema, and lounge perks regularly, the card can deliver value. Otherwise, the fee may outweigh the modest 1 point per AED earning rate.
What is the minimum salary to apply?
You need a minimum monthly salary of AED 10,000 to qualify for the HSBC Max Reward Credit Card.
How much do I earn on all purchases?
You earn 1 point per AED spent on all purchases with no caps or category restrictions.
Can I use this card abroad?
Yes, but the card charges a 3.15% foreign exchange markup on international transactions, which can reduce the value of your points when spending outside the UAE.
What lifestyle perks are included?
The card includes Careem Plus membership, Zomato dining offers, buy-one-get-one cinema tickets, and airport lounge access. These perks are most valuable if you use them regularly.