HSBC

HSBC Emirates Skywards Signature Credit Card

Earn Skywards Miles on every purchase with Visa Signature privileges

Min salary: AED 10,000/mo
Annual fee: AED 1,050/yr
Salary transfer: Not required
FX fee: 2.1%
Monthly interest: 3.69%
Interest-free days: 56 days
Welcome offer: AED 1,000 cashback on online/app application + 10,000 sign-up miles on fee payment + 15,000 bonus miles + Silver Tier fast track on AED 20,000 spend in 60 days (offer valid until 31 Aug 2026)

Travel & flights
No cap
1.75 Skywards Miles per USD 1 on Emirates/flydubai direct bookings in AED
0.477 miles / AED
Everything else
No cap
0.75 Skywards Miles per USD 1 on AED transactions | Non-AED spend: 0.272/AED miles
0.204 miles / AED

12 complimentary airport lounge visits/year (1,200+ lounges via Visa Airport Companion)
Buy 1 Get 1 Free movie tickets every month + 20% off food/drinks at cinemas (min spend AED 6,000/month)
Complimentary 12-month Careem Plus subscription
Zomato Gold membership (up to 50% off at 4,000+ restaurants)

The fine print that matters

Lounge Access Activation
Requires at least 1 international purchase of USD 1 at least 15 days before travel to activate lounge access.
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.
Reduced earn categories
0.1 miles per USD 1 on government, transport, utilities, telecoms, education, real estate, fuel, groceries, insurance, auto dealers (AED)