The HSBC Emirates Skywards Infinite Credit Card earns Skywards Miles directly. That is useful only when the currency and redemption fit your plans; it does not make every purchase or reward seat good value.
- Annual fee
- AED 2,625 incl. VAT
- Min salary
- AED 30,000/mo
- Top earn rate
- 1.5× per USD 1 International
Earning Miles
- Groceries
- 0.25× per USD 1
- Fuel
- 0.25× per USD 1
- International spend
- 1.5× per USD 1
- Utilities
- 0.25× per USD 1
- Insurance
- 0.25× per USD 1
- Supermarkets
- 0.25× per USD 1
- Car dealers
- 0.25× per USD 1
- Education
- 0.25× per USD 1
- Government services
- 0.25× per USD 1
- Rent and real estate
- 0.25× per USD 1
- Telecom
- 0.25× per USD 1
- Transport
- 0.25× per USD 1
- Everything else
- 1× per USD 1
Direct-carrier earning boosts are not treated as an all-airfare rate. Reduced-sector rates apply to AED transactions.
These rates have a USD-equivalent spending basis. The product page distinguishes AED spending, non-AED transactions and reduced-rate AED categories. Do not read the reduced domestic rates as a separate rule for all overseas purchases.
HSBC also advertises a boost for direct Emirates and flydubai bookings. This profile does not apply that carrier-specific boost to all airfare. Check the issuer’s current earning terms before relying on it for a booking.
Cost and eligibility
The product page and KFS agree on the standard annual fee and published income threshold. The issuer says an HSBC account is not required. Its credit assessment still applies, so a listed minimum is not guaranteed approval.
The foreign-currency fee shown is the issuer processing charge including VAT. Separate scheme charges and the exchange rate can add cost. Welcome incentives and travel benefits have conditions of their own and are not priced into this standing profile.
A useful next check
Read the Skywards guide and compare a real, available redemption with the cash ticket you would otherwise buy. Do that before treating a large Miles balance as a cash saving.
Live offers from HSBC
Bank-wide offers; each deal lists the cards that qualify.
- Zomato Gold — 12 months of dining membership free with any HSBC card, register by 29 November Ends 29 Nov · Code HSBCGOLD
- HSBC Advance — AED 750 cashback for opening the account in-app, by 31 December Ends 31 Dec
- Careem Plus — 12 months free with an HSBC credit card in Dubai or Abu Dhabi, to 31 December Ends 31 Dec
- Farfetch — save up to AED 500 with an HSBC Visa card and code 26VISAME, to 31 December Ends 31 Dec · Code 26VISAME
