Pay what you owe and nothing more
With the HSBC Zero Credit Card, we won't charge you anything extra for using it. Plus, you'll get a range of rewards to choose from.
This card isn't available to new customers. If you have a Zero card, find out more about your rewards and benefits on this page.
Why get a Zero Credit Card?
No added fees
Pay zero fees for annual membership, going over your credit limit Footnote link 2 and withdrawing cash Footnote link 3.
No processing fees
Transfer balances from your other credit cards with no processing fees or early repayment fees. Terms apply.
Discover more Zero features
Enjoy more of the things you love
A range of rewards on shopping, eating out and more, worldwide.
- Get up to 50% off dining bills at over 4,000 restaurants across the UAE with your complimentary Zomato Gold membership. Learn more.
- Get discounts at over 400 restaurants across the UAE when you pay with your credit card
- Get deals on shopping, travel, dining and more worldwide with home&Away This link will open in a new window.
Travel the world for less
Book flights and hotels with your credit card to enjoy discounts all year round.
- Stay at luxury hotels worldwide with Visa Luxury Hotels This link will open in a new window, and get best rate guarantees, room upgrades, complimentary breakfast and more.Footnote link 5
Your Zero card also comes with
- Purchase protectionShop confidently knowing your purchases are protected in full against theft or damage. Buyers Protection This link will open in a new window is offered by Visa International.
- Interest free daysEnjoy no interest on purchases for up to 56 days when you pay your monthly balance in full.
- Extended warranty on your purchasesAutomatic extended warranty This link will open in a new window on purchases you make in full with your card. It doubles the original manufacturer’s warranty for up to 1 year. Offered by Visa International.
- Digital cardsAdd your HSBC UAE cards to your digital wallet for instant contactless purchases. You don't even need to wait for them to be delivered - just access your card details in the HSBC UAE app.
Things to know
If you do not meet the repayments/payments on your loan/financing, your account will go into arrears. This may affect your credit rating, which may limit your ability to access financing in the future.
Not the right card?
Discover more credit cards to find the one that's best for you.
Max Rewards Credit Card
Earn Air Miles on your spending and enjoy great lifestyle benefits all year round.
Live+ Credit Card
From 6 December 2024, the Cashback Credit Card will be replaced by our exciting new Live+ Credit Card.
Cash+ Credit Card
The credit card that rewards you when you shop.
Additional information
- 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.
- Generally, you may not exceed your credit limit. However in some cases, your credit limit may be exceeded by your outstanding balance due to interest charges and fees, authorised transactions that go over your credit limit or any other valid reason.
- We won't charge you for each cash withdrawal or advance as set out in the Schedule of Services and Tariffs (PDF,1.6MB) However, the no interest period does not apply for cash withdrawal or advance transactions, and interest is calculated from the date the transaction is made.
- To benefit from the 3 months no fee period, you must make the minimum payment by the due date. Otherwise, the applicable interest rate as set out in our Schedule of Services and Tariffs (PDF, 1.6MB) will apply. The 3 months no interest period is only available for new HSBC credit cardholders.
- Offered by Visa International and subject to their terms and conditions. Visit ae.visamiddleeast.com for the latest updates on card benefits. The benefits and features set out are as current as the date they appear in our document. However, they may be subject to change at any time in accordance with the applicable product terms and conditions.