Minimum Salary Salary Transfer Islamic Finance Cashback Annual Fee Rate
HSBC - Zero Credit Card HSBC - Zero Credit Card Minimum Salary: AED 10,000 Salary Transfer: No Islamic Finance: No Cashback: No Annual Fee: AED 0 Rate: 3.5%
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Scared of credit cards? With the Zero Credit Card, enjoy no fees for card membership, going over your limit or cash advances. You'll also benefit from 0% interest on purchases for the first 3 months and a flexible instalment plan to help manage your cash flow.

  • No annual membership fee to pay.
  • You won't be charged if you go over your credit limit.
  • If you need to withdraw cash using your credit card, you won't be charged a cash advance fee.
  • Transfer balances from your other credit cards and you'll pay zero processing fees33 View footnote, there'll be zero early repayment processing fees too.
  • Enjoy 0% interest on retail purchases you make with your HSBC Zero Credit Card for the first 3 months.
  • Convert purchases over AED 1,000 to up to 36 monthly repayments and benefit from a low interest rate, zero processing fees and zero early settlement fees.
  • Purchase Protection
  • Extended Warranty
  • Cash Instalment Plan
  • Restaurant Offers
  • Cinema Offers
  • Travel Benefits
Additional Information
  • Earn at least AED 10,000 a month
  • Aged between 21 and 65
  • Be a UAE resident
Required Documents
  • Valid Emirates ID
  • Passport
  • Valid residence visa (if you're not a GCC national)
  • Proof of UAE residence - a utility bill, rental agreement/title deeds or employment letter (if you're a GCC national) - dated within the last 2 months
  • Signed security cheque
  • Last 2 months of bank statements from the account to which your income is credited
  • Income transfer letter from your employer, or income certificate issued in the last month, or 2 income credits into an HSBC account
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