Special Offers:Get 10,000 sign-up bonus Skywards Miles when you pay your annual card fee.Get another 15,000 welcome spend Skywards Miles plus fast track to Silver Tier membership when you spend AED 20,000 in the first 60 days. T&Cs Apply.Key Benefits:No Skywards Miles expiry: The Skyward Miles you earn with the card won't expire for as long as your Emirates Skywards account and credit card are open.Fast track to Emirates Skywards Silver status: From year 2 onwards. Just spend at least AED 180,000 on eligible transactions in the previous 12 months, including at least AED 10,000 directly with Emirates.Earn Skywards Miles: Get up to 1.75 Skywards Miles for every USD 1 equivalent in eligible spends on your card.Get a complimentary 12-month Careem Plus subscription. Get up to 50% off dining bills at over 4,000 restaurants across the UAE with your complimentary Zomato Gold membership.More Product Benefits:Buy 1 Get 1 Free movie tickets every month at Vox, Reel & Roxy cinemas, plus up to 25% off food and drinks at cinemas across the UAE.Airport Lounge Access: 12 complimentary visits for you and additional cardholders to over 1,200 lounges a year. T&Cs apply.Accelerate your Skywards Miles earning with Skywards Living. Pay with your HSBC Emirates Skywards Credit Card with Emirates Skywards partners and multiply your Miles earning.Get up to 7% back as wallet credits off accommodation with Booking.com when you book on your credit card.Multi-trip Travel Insurance: Complimentary cover up to USD 500,000 for you and your family on all trips up to 90 days including a certificate of insurance.Rates and Fees:Annual Fee: AED 1,050 including VAT.Finance charge: 44.28% APR (fixed) on Cash withdrawals and purchases.Eligibility & Requirements:Earning Monthly Minimum Income of AED 12,500 or More.Aged Between 21 to 65 Years.
*For overdue payments, this will increase by up to 1% a month, equivalent to 12% over 12 months (and 0.5% a month, equivalent to 6% over 12 months, for HSBC Black, Global Private Banking Credit Card and HSBC Premier MasterCard). The original Finance Charge rates will be reinstated when the cardholder is no longer overdue from the next statement date. A Collection Agency Fee will be charged to the cardholder’s account when the Bank appoints an external Collection Agency to follow up on the outstanding payment.
** Calculator Definitions
Amount:
The total amount of money borrowed, also referred to as the principal amount.
Rate (%):
This is the annual interest rate on the product which is equivalent to APR, which is going to be calculated in this example.
Years:
This is the original term or length of the product, stated in years.
Effective Monthly Payment:
This is the effective monthly payment, which takes into consideration fees and other costs associated with this product. The effective monthly payment is the basis for the APR calculation.
Calculated Annual Percentage Rate (%):
The Calculated Annual Percentage Rate (APR) is determined using the annual interest rate of the product plus fees and other costs. This rate may differ from bank to bank. APR is useful when comparing two or more products with different interest rates and fee structures.
HSBC Emirates Skywards Signature Credit Card
