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
The 3.15% FX markup reduces value on international and foreign currency transactions.
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 buy-one-get-one perks at no cost.
Accessible with a minimum salary of AED 5,000 per month.
Watch out for
Flat 0.25 points per AED is low compared to category-bonus cards.
3.15% foreign exchange markup increases cost on international spending.
No accelerated 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, the HSBC Platinum Select 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 0.25 points per AED on all purchases, with no caps or category restrictions.
What perks come with the HSBC Platinum Select Credit Card?
The card includes Careem Plus membership, Zomato benefits, and cinema buy-one-get-one offers at no additional charge.
Can I use this card abroad?
Yes, but the card charges a 3.15% foreign exchange markup on international and foreign currency transactions, which can add up on overseas spending.
What is the minimum salary requirement for this card?
You need a minimum monthly salary of AED 5,000 to be eligible for the HSBC Platinum Select Credit Card.