MoneyVS

HSBC Live+ Credit Card

Cashback card from HSBC UAE.

HSBC UAE HSBC Live+ Credit Card
View on HSBC site Details checked 21 Oct 2026 against HSBC's own page
Annual fee
AED 313.95 from yr 2

AED 0 for the first year, then AED 313.95 incl. VAT

Minimum monthly salary
AED 5,000

AED 5,000 for employees of approved companies, AED 12,500 for everyone else

Welcome bonus
Up to AED 600 cashback (get the card (new HSBC credit card customers only)); AED 100 cashback (first use in a mobile wallet); AED 100 cashback (get a supplementary card and use it).

Ends 31 Dec 2026

Our take

6% on dining, 5% on fuel and 2% on groceries and entertainment.

Good for

Everyday spenders putting AED 3,000+ a month on the card.

Watch out for

Each category is capped at AED 200 a statement; fee waived at AED 12,000 a year.

Written by the MoneyVS team from HSBC UAE's published terms. Not personal advice.

What you need

Minimum salaryAED 5,000 a monthAED 5,000 for employees of approved companies, AED 12,500 for everyone else
Annual fee waivedSpend AED 12,000 a yearAbout AED 1,000 a month
Welcome bonusUp to AED 600 cashbackGet the card (new HSBC credit card customers only)
Welcome bonusAED 100 cashbackFirst use in a mobile wallet
Welcome bonusAED 100 cashbackGet a supplementary card and use it
Top earn rates needAED 3,000 a monthTop rates need AED 3,000 spend a month, otherwise 0.5%
Perk spend ruleBuy 1 get 1 cinema ticketsAED 6,000 card spend that month

Taken from HSBC UAE's own page. Spend rules usually count retail purchases only, not cash, bills or government payments, unless the bank says otherwise.

What you earn

  • 6% on dining (max AED 200 a statement)
  • 5% on fuel (max AED 200)
  • 2% on groceries and entertainment (max AED 200)
  • 0.5% on everything else

Included benefits

  • Airport lounges
  • Cinema offers
  • Golf

Many benefits need a minimum monthly spend or app registration. Check the bank's terms.

HSBC Live+: common questions

What salary do I need for the HSBC Live+?

HSBC UAE asks for a minimum monthly salary of AED 5,000. AED 5,000 for employees of approved companies, AED 12,500 for everyone else.

Does the HSBC Live+ have an annual fee?

Yes, AED 313.95, free in the first year. It's waived if you spend AED 12,000 a year.

How do I get the HSBC Live+ welcome bonus?

Up to AED 600 cashback: get the card (new HSBC credit card customers only). AED 100 cashback: first use in a mobile wallet. AED 100 cashback: get a supplementary card and use it. The offer ends 31 Dec 2026.

Is there a minimum monthly spend?

Yes. Top rates need AED 3,000 spend a month, otherwise 0.5%.

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