Best Black Credit Cards in the UAE 2026
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Thank you for providing your details.Best Black Cards in the UAE
Advantages
- High miles on online shopping
- Discounts on travel bookings
- Airmiles on every AED spent
Features
- This card is recognized over 32 million establishments.
- This card offers you benefits home and abroad.
- This card offers you a team of financial advisers and helps you achieve your financial goals.
Features
- This card is recognized over 32 million establishments.
- This card offers you benefits home and abroad.
- This card offers you a team of financial advisers and helps you achieve your financial goals.
- This bank offers you an instant credit card with an instant approval.
- This card also provides an instant limit approval.
- This card also offers 24 hour delivery of your card.
- The Forex rate stands at 2%
- You get an interest free period of up to 56 days.
- You require a minimum salary of AED 50000 to be eligible for this card.
- You can transfer your balance at the rate of 0% for 6 months.
There is a processing fee of 2.99% or AED 200, whichever is higher. - The annual fee for this card is AED 1575.
Note: Beginning from 15th November 2022, the Annual Percentage Rate on outstanding purchases and cash withdrawals on all HSBC credit cards will increase to 44.28%.
Benefits
- Get a Welcome Bonus of AED 500 to the Primary Card. T&Cs apply. Offer valid up to 30th April 2024.
- Enjoy complimentary access to air lounges at more than 1000 airports around the world with Travel pass.
- Can get up to 10% off on British Airways airfares
- Get travel discounts with clear trip, Agoda and Ministry of Villas.
- Get 15% discount on your stay at IHG Hotels & Resorts.
- Free Valet parking across Dubai and Abu Dhabi.
- Buy one get one free offers at VOX cinemas with this card.
- Get offers with Reebonz and AED 350 in your account as a new Reebonz member.
- Avail of international concierge service with this card.
- Also, Get 6 careem complimentary airport rides & save up to 110 AED each time. Use Promo Code: MAUAE6. T&Cs Apply.
- You also get travel inconvenience insurance and travel medical insurance with this card.
- Get 150,000 sign-up air miles with your new HSBC Black Credit Card
- Receive 75,000 anniversary air miles on renewal of your membership from the second year onwards
- You can earn 2.5 miles for every AED 1 spent on travel related purchases, including hotels, airlines and car rentals.
- Earn 1.5 miles for every AED 1 spent in all currencies other than Dirhams.
- Earn 1.5 air miles for every AED 1 spent on all online purchases.
- Earn 1 air miles for every AED 1 spent on all other purchases
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Advantages
- Earn upto 3.5 Skywards Miles per 1 USD
- Free movie tickets
- Free valet parking
Features
- Exclusive travel rewards are provided
- Can convert payments to 0% EPP
- Can avail balance transfer facility
Features
- Exclusive travel rewards are provided
- Can convert payments to 0% EPP
- Can avail balance transfer facility
- A minimum salary of AED 25000 is needed
- An annual fee of AED 4000 is charged
Benefits
- Get 3.5 Skywards Miles per 1 USD spent at Emirates and flyDubai
- Get upto 2 Skywards Miles per 1 USD spent on international expenses
- Get upto 1.5 Skywards Miles per 1 USD spent on local purchases
- Get complimentary Emirates Silver Tier Membership and can be upgraded to gold tier on spending AED 5500 with Emirates
- Get 25% OFF on Emirates Skywards ‘Buy Miles’ and ‘Gift Miles’
- Free unlimited access to airport lounges worldwide and one guest can be accompanied
- Get 4 free airport transfers facility per year
- Get 4 “Buy 1 Get 1 Free” offer on movie tickets
- Get free unlimited access to selected Golf clubs on weekends and weekdays
- Get 50% off on domestic airport transfers
- Get free valet parking 3 times a month
- Get Purchase Protection and Multi-Trip Travel Insurance
- Avail exclusive benefits and discounts from Visa Infinite
- Make purchases on emirates.com and convert to 0% Easy Payment Plan for 3 months
There are different variants in a credit card. Each variant comes with different benefits and offers. Along with the benefits, these credit cards also differ by the fees and charges levied and the eligibility criteria to get the card. Some of the famous different credit card types are Platinum, World, Titanium, Black, etc. The main difference is the minimum salary or income required to get these cards. Though the minimum salary required again varies by the banks and financial institutions, cards like Black, World Elite are provided only for high-income individuals. These are considered premium cards with high benefits.
Black Cards are considered premium cards in the UAE that is offered to premium customers of the bank. These come with a good range of privileges on dining, entertainment, travel, lifestyle and much more along with hefty welcome bonuses. Some of the best Black Cards offered by banks in the UAE are,
- HSBC Black Credit Card
- Emirates Islamic Skywards Black Card
HSBC Black Credit Card
HSBC Black Credit Card is a premium Mastercard metal credit card designed for HSBC Premier customers. It comes with premium travel rewards, airport lounge access, dining offers, concierge services and lifestyle privileges. Please note that this card is currently not available for new customers.
Benefits of HSBC Black Credit Card
- Get 75,000 Bonus Points every year from the second year onwards upon renewing your membership and paying the annual fee.
- Earn 2.5 Points for every AED 1 spent on airlines, hotels and car rentals.
- Earn 1.5 Points for every AED 1 spent on international purchases made in foreign currencies.
- Earn 1.5 Points for every AED 1 spent on online purchases.
- Earn 1 Point for every AED 1 spent on all other eligible retail purchases.
- Airport Lounge Access: Enjoy 14 complimentary visits every year to over 1,200 airport lounges worldwide through Mastercard Travel Pass for the primary cardholder and one guest.
- Get exclusive hotel privileges including room upgrades and late check-outs through Global Hotel Alliance.
- Earn up to 7% wallet credits on eligible Booking.com stays (up to EUR 200).
- Enjoy 10% discount at Soneva Hotels, Agoda, onefinestay and Ministry of Villas.
- Get 15% discount at participating IHG Hotels.
- Receive 2GB complimentary Airalo eSIM data plus 15% discount on additional data packages.
- Get 20% discount on your next Avis car rental along with a complimentary vehicle upgrade.
- Receive a complimentary 2-year MyUS membership with up to 30% savings on international shipping.
- Enjoy a 12-month complimentary Careem Plus membership.
- Get 4 complimentary Careem airport rides every year, worth up to AED 84 per ride.
- Access Mastercard Priceless Experiences worldwide.
- Get up to 50% off dining bills at more than 4,000 restaurants across the UAE with complimentary Zomato Gold membership.
- Golf Privileges: Enjoy 2 complimentary golf rounds every month through Spikes On and 30% off at more than 800 golf courses worldwide through Mastercard (minimum spend applies).
- Get Buy 1 Get 1 Free movie tickets every month when the monthly spending requirement is met, along with up to 25% off cinema food and beverages.
- Enjoy international concierge services for travel planning, dining reservations and exclusive events.
- Receive complimentary travel inconvenience insurance, travel medical insurance and rental collision & loss damage waiver.
- Save up to 30% on selected Samsung products.
- Enjoy VIP shopping benefits and 15% discount at Bicester Village Shopping Collection.
Features of HSBC Black Credit Card
- Card Type: Mastercard Metal Credit Card
- Minimum monthly salary: AED 50,000 or an eligible HSBC Premier relationship.
- Annual Fee: AED 1,575 (including VAT).
- Cash withdrawals and purchases: 44.28% APR (Fixed).
- Enjoy up to 56 interest-free days when the outstanding balance is paid in full.
- Digital wallet support for Apple Pay, Google Pay and Samsung Wallet.
- Currently not available for new customers.
Emirates Islamic Skywards Black Credit Card
Emirates Islamic Skywards Black Credit Card is a premium Visa Infinite metal credit card designed for Emirates Skywards members. It offers accelerated Skywards Miles earning on Emirates flights and everyday spending, along with premium travel, shopping and lifestyle privileges.
Benefits of Emirates Islamic Skywards Black Credit Card
- Earn up to 3.5 Skywards Miles for every USD 1 spent directly with Emirates Airlines.
- Earn up to 2 Skywards Miles for every USD 1 spent on eligible international retail purchases.
- Earn up to 1.5 Skywards Miles for every USD 1 spent on eligible domestic retail purchases.
- Earn additional Skywards Miles on eligible hotel bookings, flight bookings and car rentals through the ExtraMiles platform.
- Receive complimentary Emirates Skywards Silver Tier Membership.
- Get Fast Track to Emirates Skywards Gold Tier by meeting the programme requirements.
- Airport Lounge Access: Enjoy complimentary access to 1,200+ airport lounges worldwide for the primary cardholder and one guest.
- Airport Transfers: Get 4 complimentary airport transfers per calendar year to or from Dubai Airport when travelling with Emirates and paying using your Emirates Islamic Skywards Black Credit Card.
- Valet Parking: Receive up to 3 complimentary valet parking services every month at selected UAE locations (eligible monthly spend required).
- Golf Privileges: Enjoy complimentary golf benefits at selected golf clubs (terms and minimum spend apply).
- Movie Benefits: Enjoy Buy 1 Get 1 movie ticket offers through Visa Infinite (subject to programme terms).
- Get exclusive travel, shopping, dining and hotel privileges through Visa Infinite.
- Receive purchase protection on eligible retail purchases.
- Get travel insurance covering eligible trips.
- Benefit from global emergency card assistance.
- Convert eligible Emirates airline ticket purchases into a 0% Easy Payment Plan for 3 months.
Features of Emirates Islamic Skywards Black Credit Card
- Premium Visa Infinite Metal Credit Card issued to both the primary and supplementary cardholders.
- Annual Fee (with Fast Track to Emirates Skywards Gold Tier): AED 5,775, comprising:
- AED 2,100 charged upon card issuance (Card Maintenance Fee).
- AED 3,675 charged upon qualifying for Emirates Skywards Gold Tier.
- Annual Fee (without Fast Track to Emirates Skywards Gold Tier): AED 2,100.
- Profit rate of 3.25% per month (fixed) on the outstanding balance.
- A 2.30% foreign currency transaction fee applies to purchases made in non-UAE currencies.
- Cash withdrawals of up to 50% of the assigned credit limit are available at Visa-enabled ATMs worldwide.
- Skywards Miles earned on eligible transactions are automatically credited to the primary cardholder's Emirates Skywards account.
- Eligible Emirates flight bookings can be converted into a 0% Easy Payment Plan for 3 months.
FAQs
1. What is a Black Credit Card?
A. A Black Credit Card is a premium credit card designed for high-income individuals. These cards usually offer exclusive travel rewards, airport lounge access, concierge services, golf privileges, travel insurance and premium lifestyle benefits.
2. Which is the best Black Credit Card in the UAE?
A. HSBC Black Credit Card and Emirates Islamic Skywards Black Credit Card are among the leading Black Credit Cards available in the UAE, offering premium travel and lifestyle benefits.
3. Who is eligible for a Black Credit Card in the UAE?
A. Eligibility varies by the bank. Black Credit Cards generally require a higher income or a premium banking relationship compared to standard credit cards.
4. Is HSBC Black Credit Card available for new customers?
A. No. HSBC Black Credit Card is currently not available for new customers.
5. What is the minimum salary required for HSBC Black Credit Card?
A. Applicants generally need a minimum monthly salary of AED 50,000 or an eligible HSBC Premier relationship.
6. Does HSBC Black Credit Card provide airport lounge access?
A. Yes. Cardholders receive 14 complimentary airport lounge visits each calendar year through Mastercard Travel Pass, covering more than 1,200 airport lounges worldwide.
7. Does HSBC Black Credit Card include travel insurance?
A. Yes. The card offers travel inconvenience insurance, travel medical insurance and rental vehicle collision damage waiver for eligible cardholders.
8. Is Emirates Islamic Skywards Black Credit Card a metal credit card?
A. Yes. Both the primary and supplementary Emirates Islamic Skywards Black Credit Cards are issued in a premium metal design.
9. Do I need an Emirates Skywards account before applying?
A. No. If you do not already have an Emirates Skywards membership, Emirates Islamic will create one for you when your card is approved.
10. How are Skywards Miles credited?
A. Skywards Miles earned using the card are automatically credited to your linked Emirates Skywards account after eligible transactions are billed.
11. Can I redeem Skywards Miles for Emirates flights?
A. Yes. Skywards Miles can be redeemed for Emirates and flydubai flights, cabin upgrades and other rewards available through the Emirates Skywards programme.
12. Are Skywards Miles awarded on cash advances?
A. No. Cash advance transactions do not earn Emirates Skywards Miles.
13. Does Emirates Islamic Skywards Black Credit Card provide airport lounge access?
A. Yes. Eligible cardholders receive airport lounge access through Visa Airport Companion, subject to the programme's eligibility criteria and terms.
14. Which Black Credit Card is better for frequent travellers?
A. If you frequently travel with different airlines and want flexible travel rewards, the HSBC Black Credit Card is a suitable option. If you primarily fly with Emirates or flydubai, the Emirates Islamic Skywards Black Credit Card offers better value through accelerated Skywards Miles earning and airline-specific travel benefits.
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