1Ranked firstHMHSBC Bank Middle East (UAE)HSBC Live+AED 313.95/yr · AE
Dining & Groceries · United Arab Emirates
HSBC Live+ Credit Card
4.3 / 5 editorial score
Best for: dining and fuel spenders who want lounge visits without opening an HSBC account.
Annual feeAED 313.95/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 qualifiesAED 5,000 monthly salary if your emp…
Why it ranks
- Strong dining and fuel rates at a modest fee
- Fee waiver needs only AED 1,000 a month of spend
- 12 lounge visits a year included
What holds it back
- AED 200 cap per category per statement limits heavy spenders
- Bonus rates need AED 3,000 of spend each month
- Published salary requirement differs between HSBC's page and its KFS
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 Live+ is a dining and fuel cashback card with 12 lounge visits a year and a fee that is easy to waive, and HSBC says you do not need an HSBC account to get it. Figures are as of September 2026.
HSBC Live+ Credit Card at a glance
| Issuer | HSBC Bank Middle East (UAE) |
| Card network | Visa |
| Annual fee | Free in year one, then AED 313.95 (incl. VAT); waived if you spend AED 12,000 a year |
| Welcome bonus | See issuer for the current offer |
| Rewards rate | 6% dining, 5% fuel, 2% groceries and entertainment, each capped at AED 200 per statement and needing AED 3,000 monthly spend; 0.5% on other spend |
| 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 | 12 complimentary visits a year for you and supplementary cardholders at 1,200+ lounges; needs a USD 1+ international purchase within 15 days before travel |
| Credit needed | AED 5,000 monthly salary if your employer is on HSBC's approved list, otherwise AED 12,500 (HSBC's KFS lists AED 10,000; confirm with HSBC) |
| Best for | Dining and fuel spenders who want lounge visits without opening an HSBC account |
Key features
- 6% on dining and 5% on fuel, each up to AED 200 per statement
- 2% on groceries and 2% on entertainment, each up to AED 200 per statement
- No HSBC bank account needed to apply, according to HSBC's key facts statement
- Complimentary Zomato Gold and Careem Plus subscriptions
- 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.
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 Live+AED 313.95/yr · AE HSBC Live+ Credit CardDining and fuel spenders who want lounge visits without opening an HSBC account |
AED 313.95/yr | 6% dining, 5% fuel, 2% groceries and entertainment, each capped at AED 200 per s… | See issuer for the current offer | 2% (2.1% incl. VAT) plus a… | AED 5,000 monthly salary if your… | |
| 2 | ADAbu Dhabi Commercial Bank (ADCB)ADCB TouchPoints InfiniteAED 1,575/yr · AE ADCB TouchPoints Infinite Credit CardAffluent UAE residents who value lifestyle privileges |
AED 1,575/yr | Up to 4 TouchPoints per AED4 spent (category dependent) | Welcome TouchPoints bonus after activation and spend | Foreign currency markup ap… | High income, UAE residency | |
| 3 | 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 | ADAbu Dhabi Commercial Bank (ADCB)ADCB 365 CashbackAED 383.25/yr · AE ADCB 365 Cashback Credit CardDining, fuel and grocery spenders who put AED 5,000+ a month on one card |
AED 383.25/yr | 6% dining (incl. online orders), 5% fuel and Salik, 5% home digital entertainmen… | See issuer for the current offer | See issuer | Minimum monthly salary AED 5,000… |
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