MoneyVS

ADCB 365 Cashback vs HSBC Live+

Two cashback cards compared on the things that decide which one pays you back.

ADCB 365 Cashback Credit Card
ADCB365 Cashback Credit Card
HSBC UAE HSBC Live+ Credit Card
HSBC UAEHSBC Live+ Credit Card

Key differences

  • HSBC Live+ is cheaper to keep: AED 313.95 from yr 2 a year against AED 383.25 from yr 2.
  • ADCB 365 Cashback headline: 6% on dining, including online orders. HSBC Live+ headline: 6% on dining (max AED 200 a statement).
  • Welcome bonus spend: ADCB 365 Cashback: AED 5k in 45 days; HSBC Live+: No spend needed.
  • Minimum monthly spend for top rates: ADCB 365 Cashback: AED 5,000; HSBC Live+: AED 3,000.

Which should you choose?

Choose ADCB 365 Cashback if

People who spend AED 5,000+ a month and eat out or drive a lot.

Watch out: The headline rates need AED 5,000 monthly spend; the fee applies from year two.

Choose HSBC Live+ if

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

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

Side by side

ADCB 365 CashbackHSBC Live+
BankADCBHSBC UAE
Annual feeAED 383.25 from yr 2First year free, then AED 383.25 incl. VATAED 313.95 from yr 2AED 0 for the first year, then AED 313.95 incl. VAT
Fee waiverNoneSpend AED 12,000 a year
Minimum salaryAED 5,000AED 5,000
Who can applyAnyone who meets the salaryAnyone who meets the salary
Welcome bonus
  • AED 365 cashbackSpend AED 5,000 within 45 days
  • Up to AED 600 cashbackGet the card (new HSBC credit card customers only)
  • AED 100 cashbackFirst use in a mobile wallet
  • AED 100 cashbackGet a supplementary card and use it
Top rates needAED 5,000 a monthAED 3,000 a month
Reward capMax AED 1,000 cashback a monthNone stated
What you earn
  • 6% on dining, including online orders
  • 5% on fuel and Salik
  • 5% on streaming and AI subscriptions
  • 3% on groceries
  • 1% on other spend
  • 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
BenefitsCinema offersAirport lounges, Cinema offers, Golf
IslamicNoNo
View on ADCB siteView on HSBC site

Both cards checked against the banks' own pages on 21 Oct 2026. Information only, not financial advice.

Questions people ask

What's the difference between ADCB 365 Cashback and HSBC Live+?

HSBC Live+ is cheaper to keep: AED 313.95 from yr 2 a year against AED 383.25 from yr 2. ADCB 365 Cashback headline: 6% on dining, including online orders. HSBC Live+ headline: 6% on dining (max AED 200 a statement). Welcome bonus spend: ADCB 365 Cashback: AED 5k in 45 days; HSBC Live+: No spend needed. Minimum monthly spend for top rates: ADCB 365 Cashback: AED 5,000; HSBC Live+: AED 3,000.

Which has the lower annual fee, ADCB 365 Cashback or HSBC Live+?

HSBC Live+ (AED 313.95 from yr 2). ADCB 365 Cashback costs AED 383.25 from yr 2.