HSBC Platinum Select Credit Card
A no-fee HSBC credit card earning 0.25 points per AED on all purchases with lifestyle perks.
Free
Up to 0.25 pts/AED
AED 5,000
3.15%
Who Is This Card For?
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 category bonuses.
Watch out for
3.15% FX markup on foreign currency transactions reduces value on international spending.
Calculate This Card’s Value
Earning Rates
0.25 pts/AED
Perks
Key Strengths and Weaknesses
Strengths
No annual fee, making it cost-free to hold and use.
Earns 0.25 points per AED on all purchases with no caps.
Includes Careem Plus, Zomato, and cinema BOGO lifestyle perks.
Low AED 5,000 minimum salary requirement for easy eligibility.
Watch out for
Flat 0.25 points per AED is low compared to category-specific cards.
3.15% FX markup on foreign currency transactions is standard to high.
No bonus earning on dining, travel, or other high-spend categories.
Fees & Conditions
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Frequently Asked Questions
Is there an annual fee for the HSBC Platinum Select Credit Card?
No, this card has no annual fee, so you can hold and use it without any yearly cost.
How many points do I earn per AED spent?
You earn 0.25 points 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 internationally, but a 3.15% foreign exchange markup applies to all foreign currency transactions, which is standard to high.
What lifestyle perks come with the card?
The card includes Careem Plus membership, Zomato benefits, and cinema buy-one-get-one offers at no extra cost.