HSBC Advance Credit Card

A no-fee credit card by HSBC earning 1 point per AED on all spends with lifestyle perks.

Annual feeVAT included
Free

Top earnrewards rate
Up to 1 pts/AED

Min salaryfor eligibility
AED 5,000

FX markupforeign currency
3.15%

Apply now

Who Is This Card For?

Decision snapshot
Quick answer before the detailed explanation

Good fit if
You want a no-fee card with simple flat-rate earning and lifestyle perks.

Not ideal if
You spend heavily on dining, travel, or groceries and want accelerated rewards.

Watch out for
3.15% foreign exchange markup on international and online foreign currency transactions.

If you earn at least AED 5,000 monthly and want a simple, no-annual-fee card that earns points on every purchase, the HSBC Advance Credit Card offers…

Calculate This Card’s Value

Earning Rates

All Spends
1 pts/AED

Perks

Zomato

Cinema Buy-1-Get-1 Ticket

Careem Plus Subscription

Airport Lounge Access

Key Strengths and Weaknesses

Strengths

No annual fee, making it cost-free to hold and use.

Earns 1 point per AED on all purchases with no caps.

Includes Zomato, cinema BOGO, Careem Plus, and lounge access perks.

Low AED 5,000 minimum salary requirement for easy eligibility.

Watch out for

Flat 1 point per AED offers no bonus earning on any category.

3.15% FX markup increases cost on international and foreign currency spends.

No welcome bonus or sign-up incentive to offset initial usage.

Fees & Conditions

Annual FeeFree

Fee WaiverN/A — always free

FX Markup3.15%

Minimum SalaryAED 5,000/mo

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Frequently Asked Questions

Is there an annual fee for the HSBC Advance Credit Card?

No, the HSBC Advance Credit Card has no annual fee, so you can hold and use it without any recurring cost.

How many points do I earn per AED spent?

You earn 1 point per AED on all purchases with no caps or category restrictions.

What is the minimum salary required to apply?

You need a minimum monthly salary of AED 5,000 to be eligible for this card.

Can I use this card abroad without extra charges?

You can use it abroad, but a 3.15% foreign exchange markup applies to all international and foreign currency transactions, which can add up on overseas spending.

What lifestyle perks come with the card?

The card includes Zomato benefits, cinema buy-one-get-one offers, Careem Plus membership, and lounge access at select airports.