HSBC Cash+ Credit Card UAE Review 2026: 1% Daily Cashback

HSBC Cash+ Credit Card

4.2 / 5 editorial score

Best for: high earners who want flat uncapped cashback plus lounge access for themselves and a guest.

Annual feeAED 1,050/yr

IssuerHSBC Bank Middle East (UAE)

NetworkVisa

Welcome offerSee issuer for the current offer

Interest rate44.28% APR fixed on purchases and…

Foreign fee2% (2.1% incl. VAT) plus a sch…

Who qualifiesMinimum monthly salary AED 30,000; n…

Why it ranks

Uncapped flat cashback, no category tracking
Guest lounge access is rare at this fee level
Fee waived at AED 2,000 a month of spend

What holds it back

AED 30,000 salary requirement
A flat 1% base trails category cards on dining and fuel

Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.

HSBC Cash+ pays a flat 1% on nearly everything, credited daily, with a bonus for hitting spend targets and lounge access for you and a guest, for salaries of AED 30,000 and above. Figures are as of September 2026.

HSBC Cash+ Credit Card at a glance

Issuer	HSBC Bank Middle East (UAE)
Card network	Visa
Annual fee	Free for the first 12 months, then AED 1,050 (incl. VAT); waived if you spend AED 24,000 a year
Welcome bonus	See issuer for the current offer
Rewards rate	1% daily cashback on all eligible spend with no cap, plus a 10% bonus on cashback earned when you meet monthly (AED 5,000), quarterly (AED 25,000) and annual (AED 125,000) spend targets
Intro APR	None
Regular APR	44.28% APR fixed on purchases and cash (about 3.69% per month)
Foreign transaction fee	2% (2.1% incl. VAT) plus a scheme fee of up to 1.21%; 1% (1.05% incl. VAT) on international spend billed in AED
Airport lounge access	Complimentary access for you and 1 guest at 1,000+ lounges (HSBC's KFS describes it as unlimited); needs a USD 1+ international purchase within 15 days before travel
Credit needed	Minimum monthly salary AED 30,000; no HSBC bank account needed
Best for	High earners who want flat uncapped cashback plus lounges for themselves and a guest

Key features

1% cashback credited daily with no minimum spend or earning cap
10% bonus on your cashback for hitting monthly, quarterly and annual spend targets
Lounge access for you and one guest at 1,000+ lounges
Complimentary Careem Plus and Zomato Gold memberships
Multi-trip travel insurance up to USD 500,000

Before you apply: confirm the current fee, reward rates and eligibility on the issuer's official site. BestCreditCards is an independent ranking site, not the card issuer, and this is not financial advice.

Sources: hsbc.ae · hsbc.ae

How it ranks against similar UAE cards

Rank	Card	Annual fee	Rewards	Welcome offer	Foreign fee	Who qualifies	Score
1	HMHSBC Bank Middle East (UAE)HSBC Cash+AED 1,050/yr · AE HSBC Cash+ Credit CardHigh earners who want flat uncapped cashback plus lounges for themselves and a guest	AED 1,050/yr	1% daily cashback on all eligible spend with no cap, plus a 10% bonus on cashbac…	See issuer for the current offer	2% (2.1% incl. VAT) plus a…	Minimum monthly salary AED 30,00…	4.2
2	MMashreq BankMashreq SolitaireAED 2,100/yr · AE Mashreq Solitaire Credit CardHigh-net-worth UAE residents wanting top-tier perks	AED 2,100/yr	Earn elevated Salaam Points on all spending	Generous welcome points bonus after activation and spend	Foreign currency markup ap…	Very high income, UAE residency	4.5
3	L(Liv (Emirates NBD)Liv Cashback+AED 735/yr · AE Liv Cashback+ Credit CardBig monthly spenders who want up to 4% on everything plus wide lounge access	AED 735/yr	1% on monthly spend up to AED 6,999, 2% at AED 7,000 to 14,999, 4% at AED 15,000…	See issuer for the current offer	1.99% currency conversion…	Minimum monthly salary AED 15,00…	4.3

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