HSBC

HSBC Live+ Credit Card

High cashback on dining, fuel and groceries for everyday lifestyle spenders

Min salary: AED 5,000/mo
Annual fee: AED 313.95/yr
Salary transfer: Not required
FX fee: 2.1%
Monthly interest: 3.69%
Interest-free days: 56 days
Welcome offer: Up to AED 800 cashback: AED 600 on card spend, AED 100 on first mobile wallet use, AED 100 on supplementary card use (offer valid until 31 Dec 2026)
Fee waiver: Waived if annual spend exceeds AED 12,000

Dining
Capped at AED 200/mo
6% cashback on dining (up to AED 200/statement cycle); requires min spend AED 3,000/month
6% back
Fuel
Capped at AED 200/mo
5% cashback on fuel (up to AED 200/statement cycle); requires min spend AED 3,000/month
5% back
Groceries
Capped at AED 200/mo
2% cashback on groceries (up to AED 200/statement cycle); requires min spend AED 3,000/month
2% back
Cinema & fun
Capped at AED 200/mo
2% cashback on entertainment (up to AED 200/statement cycle); requires min spend AED 3,000/month
2% back
Everything else
No cap
0.5% cashback on all other spends and when monthly spend < AED 3,000
0.5% back

12 complimentary airport lounge visits/year (1,200+ lounges via Visa Airport Companion)
Buy 1 Get 1 Free movie tickets every month + 25% off food/drinks (min spend AED 6,000/month)
Complimentary 12-month Careem Plus subscription
Zomato Gold membership (up to 50% off at 4,000+ restaurants)
Timeout and Golf Access Programme (200+ offers across MENA)

The fine print that matters

Minimum Spend for High Cashback
6%/5%/2% cashback rates only apply when monthly spend is >= AED 3,000; otherwise 0.5% applies to all spend.
Per-Category Monthly Cap
Each cashback category (dining, fuel, groceries, entertainment) is capped at AED 200 per statement cycle.
Movie Ticket Minimum Spend
Buy 1 Get 1 Free movie tickets require minimum spend of AED 6,000 per month.
FX Fee
2.1% incl. VAT foreign currency processing fee plus up to 1.21% incl. VAT Visa network processing fee.