HSBC Credit Card Eligibility

HSBC Bank Credit Card Eligibility in the UAE

The eligibility criteria for HSBC cards are straightforward —

Eligibility	Specification
Age	Your age must be between 21-65 years to apply for HSBC credit cards
Nationality	Both UAE nationals and expats are eligible — they must be UAE residents
Employment Status	Salaried and self-employed individuals can apply for the card
Income	Earn at least AED 5,000 a month to be eligible

✍️ Note: The figure above is the minimum monthly income requirement. Actual salary requirements may be higher depending on the HSBC card you are applying for.

Best HSBC Credit Cards in UAE

Required Documents to Apply for an HSBC Credit Card

Make sure you have the following documents ready when applying for an HSBC Credit Card:

Salaried Applicants	Self-Employed Applicants
Emirates ID Passport with a valid visa Salary certificate or recent payslips Bank statements (last 3 to 6 months)	Emirates ID Passport with a valid visa Bank statements (last 3 to 6 months) Trade license

Note: The bank may request some additional documents while assessing your application.

Top HSBC Credit Card Income Requirements in the UAE

Your salary is a key factor in meeting HSBC credit card eligibility criteria. Here we have presented the top cards and salary requirements in the UAE:

HSBC Credit Card	Minimum Salary Requirement	Key Benefits
HSBC Emirates Skywards Infinite Credit Card	AED 30,000 monthly	Earn welcome bonus, Skywards Miles with no expiry, and many more rewards on travel and shopping
HSBC Emirates Skywards Signature Credit Card	AED 10,000 monthly	Earn Skywards Miles on everyday spending
Cash+ Credit Card	AED 30,000 monthly	Receive daily cashback on spending with lifestyle and travel benefits
Max Rewards Credit Card	AED 10,000 monthly	Get maximum rewards, multi-trip travel insurance, and more
Live+ Credit Card	AED 5,000 monthly	Enjoy an annual fee waiver and interest-free days
Premier Credit Card	N/A	Instant approval with exclusive rewards and benefits
Advance Credit Card	N/A	Complimentary airport lounge access, exciting rewards, and much more
Platinum Select Credit Card	AED 5,000 monthly	Earn rewards, travel and entertainment benefits
Global Private Banking Credit Card	N/A	Enjoy exclusive travel benefits with no annual fees
Black Credit Card	N/A	Luxury card with travel, shopping and dining rewards
Zero Credit Card	N/A	Get a range of rewards with no annual fee
Platinum Credit Card	N/A	Available for existing customers and offers exclusive rewards on daily expenses
Gold Credit Card	N/A	Earn air miles on your day-to-day spending

Factors Affecting HSBC Credit Card Eligibility in the UAE

Here are the key factors affecting HSBC Bank credit card eligibility in the UAE:

Minimum Age

To apply for a card with HSBC, you must be at least 21 years old in the UAE. This ensures you are legally eligible to enter into a credit agreement and have some financial stability to handle credit responsibly.

Credit Score

A good credit Score is required when applying for an HSBC credit card in the UAE. It indicates your financial health and history of repaying debts.

Residential Status

The card facility offered by the bank is accessible to both UAE nationals and expats. However, applicants must provide proof of their UAE residency.

Monthly Income

Your monthly income is another significant factor affecting your eligibility. Typically, you can apply for a card with a monthly salary of AED 5,000; however, premium and other luxury cards may have higher income requirements.

Debt-to-Income Ratio

HSBC checks how much of your income goes toward existing debts before approving your application. A high ratio, such as more than 50%, can lead to rejection, as it indicates potential difficulty in handling more credit.

Tips to Improve Your HSBC Credit Card Eligibility

With the help of these pro tips, you can significantly enhance your chances of getting an HSBC credit card:

Maintain a healthy credit score, such as above 650 in AECB
Pay your bills on time to avoid a penalty and boost your credit score
Ensure you meet the exact salary criteria
Apply for a card suited to your income level
Avoid multiple card applications in a short period
Open an HSBC bank account for easier approval
Check your credit score regularly and rectify any errors on time
Ensure to submit all the required documents for instant approval

HSBC Credit Card Eligibility—FAQs

Ans: You must be at least 21 years of age to apply for an HSBC credit card in the UAE.

Ans: Yes, HSBC allows UAE residents to apply for a CC by simply meeting the basic eligibility requirements.

Ans: Yes, you can easily submit your application request online through platforms like Policybazaar.ae. Here, you can compare various card options and apply for the suitable one.