HSBC credit cards
HSBC Bank Middle East Limited is licensed by the Central Bank of the UAE. Its credit card terms as published on 12 November 2026: annual percentage rate 44.28% on purchases and cash, rising by 12% while you are overdue (6% on Black, Private Bank and Premier Mastercard).
HSBC Bank Middle East Limited is on the Central Bank of the UAE’s register as a foreign bank licensed for conventional retail banking in Dubai.1 The figures below are quoted from its own published documents and include VAT where the bank says so.
What does a HSBC credit card cost you?
| Charge | What the bank publishes |
|---|---|
| Annual percentage rate | 44.28% on purchases and cash; rises by 12% while you are overdue (6% on Black, Private Bank and Premier Mastercard) |
| Annual fee | No fee on Premier, Advance, Platinum Select, Zero and the Private Bank card; AED 313.95 to AED 2,625 on other cards |
| Late payment fee | AED 241.50 |
| Over-limit fee | AED 288.75 on most cards; none on HSBC Zero and the Private Bank card |
| Cash advance fee | 3.15% or AED 105, whichever is higher; none on HSBC Zero |
| Foreign currency fee | 2.1% on foreign currency and 1.05% on AED payments abroad, plus a Visa or Mastercard fee of up to 1.21% on both |
| Balance transfers and plans | 0% to 29.88% a year, reducing; no early settlement fee |
| Card replacement | No fee |
| Liability or no liability letter | AED 52.50 |
The figures come from UAE Schedule of Services and Tariffs (Effective 26 October 2026).2
HSBC’s tariff says it charges a collection agency fee to your card account if it appoints an external agency to follow up an overdue payment, and that purchases at exchange houses and of foreign currency are charged as cash advances.2
How do you complain to HSBC?
Use the bank’s official complaint channel and keep the reference number. Under Central Bank rules HSBC must acknowledge your complaint within 2 business days and send a final written answer within 30 business days.3 If you are not satisfied after 15 calendar days, you can go to Sanadak. The steps are in how to complain about your bank.
Read the bank’s key facts statement for your card before you sign, and compare its rate in the interest calculator.
Sources
3
1Central Bank of the UAE, CB Register as of June 2025. Last checked 12 Nov 2026. Source document: CB Register as of June 2025
2HSBC Bank Middle East Limited, UAE Schedule of Services and Tariffs, Effective 26 October 2026. Last checked 12 Nov 2026. Source document: UAE Schedule of Services and Tariffs
3Central Bank of the UAE, Consumer Protection Standards, Notice 1158/2021, in force. Last checked 12 Nov 2026. Source document: Consumer Protection Standards
- Owner
- Comparecreditcards.ae research team
- Last review
- Next review due
- 11 May 2027
- Status
- Published