HSBC Bank is one of the world’s largest banking institutions and serves over 40 million customers with unmatched products and services – the list includes personal banking, access to global banking and markets, commercial banking, and wealth management. The bank entered the UAE market in 1946 when the Imperial Bank of Iran, a strong contender, opened its banking services to merchants and Emiratis.
HSBC has carved its market in the country with its impeccable products like bank accounts and complimentary debit cards. HSBC debit cards, in particular, have made it possible for individuals to go for cashless and contactless transactions.
To learn more about HSBC debit cards, read the following sections of this article.
Types of HSBC Debit Cards Available
Let’s first have a look at the types of HSBC debit cards available in the UAE –
HSBC Premier Debit Card
The HSBC Premier Signature debit card is packed with significantly more features and benefits than the previous Platinum debit card. Some of the key features and benefits of this card are –
Access to over 25 million international retail outlets and more than 1 million ATMs
10% discount on airfares with British Airways
Access to international airport lounges
12 complimentary visits to more than 1,000 international airport lounges
After your 12 free visits end, you would need to spend at least USD 1 on international purchases to gain complimentary access to international airport lounges
Airport Transfer
Get up to 2 free Careem rides, worth up to AED 100 to the airport
Valid pick and drop facility at the domestic airports
To secure a discount, use the promo code ‘UAEVS’
Multi-trip travel insurance
Complimentary financial coverage of up to USD 500,000 for the cardholder and their family
Available for trips that are 90 days’ long
24-hour Concierge Service
Take advantage of personalised services with 24-hour concierge service and get restaurant bookings, personalised shopping trips, make travel arrangements, and more
HSBC Global Private Banking Debit Card
With the HSBC Global Banking Debit Card, you can enjoy the following benefits –
Financially covers the cardholder, their partner, and up to 5 children, with the major benefits being –
Travel Benefits –
Free access to over 1,000 airport lounges via LoungeKey (for the primary and supplementary debit card)
DragonPass ‘Dine and Travel’ Airport Dining Program
Enjoy exclusive dining discounts at more than 200 international airport restaurants
YQ Meet and Assist – Get up to 30% discount on Airport Meet and Assist at more than 450 international locations
Visa Luxury Hotel Collection –
Enjoy the best available guarantee rate
Get automatic room upgradation on arrival
Free daily continental breakfast
Food or beverage voucher worth USD 25
3 pm checkout facility upon request
Jumeirah Hotel Offers
Get up to 25% discount on Jumeirah estates
Gather exclusive Jumeirah One Points when you make reservations via the Jumeirah application
Get discounts at spa treatments
Unlimited access to Wild Wadi Waterpark
Free access to kid zone and private beach
Avis Car Rental Offers
Attractive discounts and benefits for Visa Infinite cardholders
Up to 35% off on Standard Rates
Up to 30% discount on International Leisure Rates
Multi-trip Travel Insurance - Financially covers the cardholder, their partner, and up to 5 children, with the major benefits being –
Personal accident benefits
Loss of luggage coverage
Delayed trip or baggage
Trip cancellation
24-hour premium concierge
Lifestyle benefits – Process VAT across major locations in Europe with VISA and earn 10% savings on all purchases at all Bicester Village Locations in Europe
10% discount on British Airways airfare
HSBC Jade Debit Card
Travel Benefits –
Free access to over 1,000 airport lounges via LoungeKey (valid for the primary and supplementary debit card)
DragonPass ‘Dine and Travel’ Airport Dining Program
Enjoy exclusive dining discounts at more than 200 international airport restaurants
YQ Meet and Assist – Get up to 30% off on Airport Meet and Assist at more than 450 international locations
Visa Luxury Hotel Collection
Enjoy the best available guarantee rate
Get automatic room upgradation on arrival
Free daily continental breakfast
Food or beverage voucher worth USD 25
3 pm checkout facility upon request
Jumeirah Hotel Offers
Get up to 25% discount on Jumeirah estates
Gather exclusive Jumeirah One Points when you make reservations via the Jumeirah application
Get discounts at spa treatments
Unlimited access to Wild Wadi Waterpark
Free access to kid zone and private beach
Avis Car Rental Offers
Great discounts and benefits for Visa Infinite cardholders
Up to 35% discount on Standard Rates
Up to 30% off on International Leisure Rates
Multi-trip Travel Insurance - inancially covers the cardholder, their partner, and up to 5 children; the main benefits are
Personal accident benefits
Loss of luggage
Delayed trip or baggage
Trip cancellation
24-hour premium concierge
Lifestyle benefits – Process VAT across major locations in Europe with VISA. Moreover, you can earn 10% savings on all purchases at all Bicester Village Locations in Europe
10% discount on British Airways airfare
Visa Golf Access
Personal Banking Debit Card
International access to over 25 million outlets and more than 1 million ATMs worldwide
Up to 10% discount on British Airways airfare
Unlimited cash withdrawals at any ATMs in the UAE and 1 monthly balance enquiry at any bank ATM
HSBC Advance Debit Card
Cash withdrawals without any charges at any bank’s ATM across the UAE and in GCC Net
Up to 10% discount on British Airways airfare
HSBC Debit Card
Free cash withdrawals and balance inquiries on non-HSBC UAE Switch ATMs
Globally accepted across 25 million outlets
Access to over 1 million international ATMs
Eligibility Criteria for HSBC Debit Cards
HSBC debit cards are provided for free when you open an account with the bank. Thus, the eligibility criteria for debit cards remain the same as that of the bank account. The eligibility criteria for HSBC debit cards with accounts are –
HSBC Debit Card
Eligibility Criteria
HSBC Premier Debit Card
A minimum monthly balance of AED 350,000 in investments or deposits
The customer should have AED 3,000,000 or above for mortgage, for the first 2 years
Should have a salary account
HSBC Advance Debit Card
Minimum monthly income transfer to the HSBC account should be AED 15,000
Minimum monthly balance of AED 100,000 in deposits or investments
Documents Required for HSBC Debit Cards
Similar to the eligibility criteria, the documents required for debit cards remain the same as that of the bank as HSBC debit cards are provided for free when you open an account with the bank.
Here are the documents required for HSBC debit cards with accounts –
Individual Account
Original passport
Proof of residence – utility bill, a title deed, rental agreement, or employment contract
Original trade licence (for self-employed individuals)
The original salary transfer letter from the employer (for salaried individuals)
Valid visa (for non-GCC nationals or expatriates)
Original work ID or labour card (for female applicants with father’s or partner’s sponsorship)
Original Emirates ID
Joint account
To get an HSBC debit card on a joint account, both you and the joint applicant would be required to provide the above-mentioned documents.
How to Apply for HSBC Debit Cards?
You will get a complimentary HSBC debit card when you open an account with the bank. You can open the account online, via phone banking, or by visiting the nearest HSBC bank branch with the required documents.
If you are opening a joint account, an HSBC debit card UAE will be issued to each account holder. However, this would be possible only if each account holder is authorised to operate the account.
To activate or set your HSBC debit card PIN, call +971 4 3544594.
Cash Limit Per Day
The following are the daily cash limits on the mentioned HSBC debit cards –
HSBC Debit Card
Cash Withdrawal (AED)
Retail Expenses (AED)
Global Private Banking
50,000
100,000
Premier
25,000
60,000
Personal Banking
10,000
20,000
Jade
50,000
100,000
Advance
15,000
40,000
Fee Charges
Find below the charges levied on HSBC debit cards –
Charges
HSBC Global Private Banking/ HSBC Jade
HSBC Premier
HSBC Advance
Personal Banking
Debit Card Issuance
NIL
NIL
NIL
NIL
Debit Card Annual Fee
NIL
NIL
NIL
NIL
Debit Card Replacement Fee
NIL
NIL
AED 25
AED 25
Re-issuance of Debit Card PIN
NIL
NIL
AED 25
AED 25
Supplementary Debit Card Annual Fee
NIL
NIL
NIL
NIL
Usage Fee in the UAE at HSBC ATMs
Cash Withdrawal/ Deposit
NIL
NIL
NIL
NIL
Mini-statement
NIL
NIL
NIL
NIL
Utility Bill Payment
NIL
NIL
NIL
NIL
Balance Enquiry
NIL
NIL
NIL
NIL
Transfer within HSBC UAE Accounts
NIL
NIL
NIL
NIL
HSBC Credit Card Payment
NIL
NIL
NIL
NIL
In UAE at UAE Switch ATMs
Cash Withdrawal
NIL
NIL
NIL
No fees on cash withdrawal if salary is transferred to the account Other transactions are charged as per the rate AED 2 for non-salary transfer customers
Balance Enquiry
NIL
NIL
NIL
No fees on balance enquiry per month if salary is transferred to the account Other transactions are charged according to the rate AED 1 for non-salary transfer customers
At HSBC ATMs in GCC Countries
Cash Withdrawal
NIL
NIL
NIL
AED 6 per transaction
Balance Enquiry
NIL
NIL
NIL
AED 3 per transaction
At GCC NET ATMs in GCC Countries
Cash Withdrawal
NIL
NIL
NIL
AED 6 per transaction
Balance Enquiry
NIL
NIL
NIL
AED 3 per transaction
International HSBC ATMs
Cash Withdrawal
NIL
NIL
AED 10 per transaction
AED 10 per transaction
Balance Enquiry
NIL
NIL
NIL
NIL
At Visa/Plus International ATMs
Cash Withdrawal
AED 20 per transaction
AED 20 per transaction
AED 20 per transaction
AED 20 per transaction
Balance Enquiry
NIL
NIL
NIL
NIL
Foreign Currency Processing Fee
2% of the transaction amount as converted into AED
Sales Slip Copy
NIL
NIL
AED 25
AED 25
How to Check HSBC Debit Card Balance?
You can check your bank account balance using your HSBC debit card in the following manner –
Online Banking
Provide your debit card credentials and log into your account to get e-statements.
ATM
Insert the HSBC debit card and provide the specified card details in the ATM. Select the “get mini-statement” option to receive a concise receipt showcasing your bank balance.
What to Do If HSBC Debit Card is Lost?
If you have lost your HSBC debit card, you can use the mobile banking application to block it. Discussed below are the steps to block your HSBC debit card –
Log into HSBC UAE mobile banking application
Click on the accounts tab and choose the account that is connected to the HSBC debit card you want to block
Tap on ‘Manage Cards’ and select the card you want to block
Slide the toggle button next to the “temporarily block this card” option
You will be directed to the “Important Information” screen. Read the guidelines thoroughly and tap on the “OK” button
Once you block the HSBC debit card in the UAE, services like contactless payment, point of sales, mobile wallet, and online and ATM transactions cease to continue.
You can contact the designated personnel to report any fraudulent activity from your lost or stolen HSBC debit card in the UAE. Based on the type of your account, you can contact the following numbers –
Type
Contact Info
HSBC Jade
Within the UAE – 800 5233
Outside the UAE – +971 4 366 902
HSBC Premier
Within the UAE – 800 4230
Outside the UAE – +971 4 224 1000
HSBC Personal Banking
Within the UAE – 600 55 4722
Outside the UAE – +91 4 228 8007
HSBC Advance
Within the UAE – 600 55 4722
Outside the UAE – +91 4 228 8007
For better clarity on some more key facts about HSBC debit cards, read the FAQ section.
Frequently Asked Questions
Can you exceed your spending limit on an HSBC debit card in the UAE?
Transactions will get declined if you exceed your monthly expenditure limit. If you plan to reset the monthly expenditure limit, you can do so at any point using the mobile banking application. Note that your spending limit cannot exceed the funds available in the bank account.
How can you unblock your HSBC debit card, if you find the lost card?
To unblock your HSBC debit card, follow these steps –
Log into the HSBC mobile banking application
Click on the “Accounts” tab and select the account that is linked to the debit card you want to unblock
Tap on the “Manage Cards” option
Select the card you need to unblock
Slide the toggle to unblock the card
Is there any limitation on the number of supplementary debit cards you can apply for?
There is a limit on the number of supplementary debit cards you can apply for. Moreover, charges may be levied when you apply for these HSBC debit cards.
Do you get separate statements for supplementary debit cards?
You don’t get any separate statements for supplementary cards. All the transactions done using that card are presented under the primary cardholder’s account statement.
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