HSBC Max Reward Credit Card
A rewards 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 want simple flat-rate earning and value lifestyle perks like Careem Plus and cinema offers.
Not ideal if
You spend heavily on dining, travel, or groceries and want accelerated category rewards.
Watch out for
Flat 1 point per AED is lower than category-focused cards with bonus earning.
Calculate This Card’s Value
Earning Rates
1 pts/AED
Perks
Key Strengths and Weaknesses
Strengths
Earns 1 point per AED on all spends with no category tracking required.
Annual fee waived with just AED 12,000 spend per year.
Includes Careem Plus, Zomato benefits, cinema BOGO, and lounge access.
Watch out for
No accelerated earning on dining, travel, groceries, or other popular categories.
AED 630 annual fee applies if you spend below AED 12,000 yearly.
3.15% FX markup increases cost on international transactions.
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 AED 12,000 or more per year, which is just AED 1,000 annually. If you meet that threshold, the fee is not a concern, and you can enjoy the lifestyle perks and flat 1 point per AED earning.
What is the minimum salary to apply?
You need a minimum monthly salary of AED 10,000 to be eligible for the HSBC Max Reward Credit Card.
How much do I earn on dining and travel?
You earn 1 point per AED on all spends, including dining and travel. There are no accelerated rates for specific categories.
Can I use this card abroad?
Yes, you can use this card internationally, but a 3.15% FX markup applies to foreign currency transactions, which adds to the cost of spending abroad.
What perks are included with this card?
The card includes Careem Plus membership, Zomato benefits, cinema buy-one-get-one offers, and lounge access. These perks add lifestyle value beyond the points earning.