Best Black Credit Cards in UAE

Black credit cards are incredibly exclusive credit cards designed for a specific set of subscribers, usually the six-figure spenders. These elite credit cards are available only on an invitation basis. The eligibility criteria for these credit cards are incredibly high, and so are the annual membership fees. 

Some black cards have a minimum expenditure requirement of hundreds of thousands of dirhams each year just to keep the cards active. These cards give access to various exclusive perks and benefits on travel, dining, lifestyle, and more.

In this article, we will take you through a list of some of the best black credit cards available in the UAE, along with their benefits, features, eligibility criteria, documentation requirement, etc and more. 

Best Black Credit Cards in UAE

HSBC Black Credit Card

HSBC Black Credit Card is one of the best black credit cards available in the UAE. The credit card offers various attractive deals and discounts on travel, dining, lifestyle, and more for the card holders. 

Features & Benefits

• Bonus Air Miles: HSBC Black Credit Card offers an attractive number of bonus air miles for card members. The cardholders can get 150,000 Air Miles on sign-up and 75,000 anniversary Air Miles every year from the second year onwards.

• Air Miles Redemption: HSBC Black Credit Card enables card members to redeem their earned air miles through online and mobile banking services. They can redeem these air miles to spend on flight tickets, hotel stays, retail vouchers, and more.
• Airport Lounge Access: HSBC Black Card offers complimentary airport lounge access to more than 1,000 airport lounges throughout the world. The best part about this benefit is that each primary and supplementary cardholder can enjoy these benefits with one guest using LoungeKey.
• Dining Benefits: HSBC Black Credit Card offers complimentary access to Fine Dining and Cheers services through the HSBC ENTERTAINER app to help them enjoy the best dining offers at various selective locations. Additionally, the card members can also get up to 30 percent discount at top selective restaurants in the UAE.
• Cinema Privileges: HSBC Black Credit Card offers an attractive Buy 1 Get 1 offer on movie tickets at VOX Cinemas, Reel Cinemas, and more across UAE.
• Golf Benefits: HSBC Black Credit Card offers two free rounds of golf every month at some selective premium golf clubs in Abu Dhabi, Dubai, and Ras Al Khaimah.
• Global Concierge: HSBC Black Credit Card offers a fulltime available helpline for card members. They can call Concierge hotlines at 800-0444-0899 if they are in the UAE and +1-669-272-1471 if outside the UAE. Here they can find answers to all their queries related to flights, restaurants, or hotel reservations.
• Cleartrip Discounts: HSBC Black Card offers 10 percent discount on international roundtrip tickets booked through Cleartrip. The card members need to pay with their HSBC Black Credit Card and enter promo code MCWORLD to avail of this offer.
• Agoda Discounts: HSBC Black Credit Card offers various attractive offers on bookings made through Agoda. The card members can get up to 10 percent discount at over 180,000 hotels on villa bookings. Additionally, they can get complimentary airport transfers when booking their travel on the Agoda website. 
• Easy Payment Plan: The credit card members can enjoy easy payment plans with Emirates Islamic Skywards Black Credit Card. With this benefit, they can convert their high-value purchases into easy monthly installments and repay the same at a zero percent interest rate.
• Balance Transfer Facility: The credit card members can also enjoy balance transfer services with HSBC Black Card. With this benefit, they can consolidate and transfer their external credit card bills to HSBC Black Credit Card and make easy repayment for the whole outstanding amount in easy monthly EMIs. The best part about this facility is that the card members need not pay any extra profit charges for the service. 
• Cash Advance: The credit card members can fulfil all their emergency financial needs by withdrawing cash in advance using HSBC Black Credit Card. They can get cash from any of the bank’s ATMs, exchange houses, or other financial institutions that display the VISA logo. The best part about this service is that it needs no additional documentation done by the card member.
• Discovery Black Membership: HSBC Black Credit Card members can get complimentary Discovery Black membership to enjoy the benefits of the Global Hotel Alliance loyalty program. The membership benefits apply at more than 550 luxury hotels, including Pan Pacific Hotels, Anantara, Kempinski, and more in over 76 countries throughout the world. The card members can enjoy benefits like double room upgrades, early check-in, late checkout, guaranteed room availability, and more with the membership.
• Valet Parking: HSBC Black Credit Card members can enjoy four complimentary valet parking services every month across Abu Dhabi and Dubai. They need to spend a minimum of AED 5,000 every month to avail of the benefits. Additional use of services will be charged and added to the cardholder’s credit card bill.
• Qatar Privilege Club Membership: HSBC Black Credit Card members can get a complimentary upgrade to Gold Tier status in Qatar Airways Privilege Club membership and enjoy benefits like double room upgrades, early check-in, late checkout, guaranteed room availability, and more.
• Hertz Discounts: HSBC Black Card members can get an attractive 15 percent discount with a guaranteed one car class upgrade at some selective locations.
• Soneva Resorts Discounts: The credit card members can get attractive deals and discounts at Soneva resorts when booking their stays using HSBC Black Credit Card. They get 20 per cent off with no minimum length of stay requirement. They can also get complimentary resort credit of up to USD 300 per villa per night.
• Shopping Benefits: HSBC Black Credit Card members can enjoy up to 15 percent discount on shopping packages, chauffeur drives, and more at multiple shopping collections including Bicester Village, Fidenza Village, Kildare Village, Wertheim Village, and many others. The card members need to pay for their shopping using an HSBC credit card to avail of the benefits.
• Multi-Trip Travel Insurance: HSBC Black Card members can also get multi-trip travel insurance to easily pay for sudden and unexpected travel and medical expenses in case of an unfortunate event. The card members need to make their travel bookings using their credit card to avail of this benefit.
• Convenient Payments: HSBC Black Credit Card enables card members to make timely payments using different applications including Apple Pay, Samsung pay, Google Pay, and more.
• Chip & Pin Technology: HSBC Black Credit Card offer chip and pin technology for card members to make safe and secure payments at millions of retail outlets across the world.
• Interest-Free Days: HSBC Black Credit Card offers an interest-free period of up to 56 days for the card members to help them settle their monthly outstanding with great ease.
• Credit Card Bill Payments: HSBC Black Credit Card enables card members to make convenient credit card bill payments through online banking, mobile banking, cheque, ATM, or cash deposit machine. 
• Online Banking: HSBC Black Credit Card enables card members to access their credit card details using online banking services. All they need to do is login to the bank’s internet banking portal using their banking credentials and access all their credit card transactions in just a few clicks. 
• Mobile Banking: HSBC Black Credit Card members can also download the bank’s mobile banking app and access all their credit card details in just a few taps. This helps them keep close track of their expenses and get rid of unnecessary ones.
• Credit Shield Insurance: Credit card members can get HSBC credit shield benefits to easily pay their credit card bills in case of an unfortunate event such as loss of employment, disability, or death. 
• Supplementary Cards: HSBC Black Card members can also get supplementary credit cards for their family members.

Emirates Islamic Skywards Black Credit Card

Emirates Islamic Skywards Black Credit Card is another best-performing black credit card in the UAE. The credit card enables card members to earn an attractive number of reward points and redeem the same to save more on their expenditures.

Features & Benefits

• Skyward Miles: The credit card members can earn an attractive number of Skyward Miles on every USD spent on both local and international spending. Check out how the Skyward miles are calculated.

• Emirates Skywards Gold Tier Membership: The credit card offers complimentary Skywards Gold Tier membership for the card members. All they need to do is meet the minimum spending a minimum of AED 5,500 on Emirates Airlines within 12 months of activating the credit card to enjoy the membership benefits.
• Skywards Gold Tier Membership for Supplementary Cardholders: The credit card also offers Skywards Gold Tier Membership for supplementary card members. Each primary cardholder can get the membership for one supplementary cardholder. The supplementary card members need to spend an additional AED 5,500 on Emirates Airlines within 12 months from the date of card issuance to avail of this benefit.
• Tier Miles: The credit card members can also earn tier miles on their local and international spending indirectly. They can make one Tier Mile on every four Skyward Miles earned.
• Skywards Silver Membership: The credit card offers free Emirates Skywards Silver Membership for the card members to let them enjoy exclusive benefits like Priority check-in, Bonus Tier Miles, Extra baggage allowance, and more.
• Skyward Miles Gifts: The credit card offers an attractive discount of 25 percent for the card members when they gift Skyward Miles to someone.
• Additional Skyward Miles: The credit card enables card members to earn additional Skyward miles on making hotel bookings, purchasing flight tickets, renting a car, and more. All they need to do is use ExtraMiles App to make these transactions. They can earn two additional miles on each USD spent using the app.
• Golf Benefits: The credit card enables card members to enjoy unlimited free golf at top golf clubs including Yas Links Golf Club, Track Meydan Golf Club, and Arabian Ranches Golf Club on weekdays as well.
• Movie Tickets: The credit card members can enjoy up to four Buy 1 Get 1 offer every month on VOX Cinema movie tickets. The offer applies to buying movie tickets for any day of the week.
• Online Banking: The credit card enables card members to access their details using online banking services. All they need to do is login to the bank’s internet banking portal using their banking credentials and access all their credit card transactions in just a few clicks. 
• Mobile Banking: Credit card members can also download the bank’s mobile banking app and access all their credit card details in just a few taps. This helps them keep close track of their expenses and get rid of unnecessary ones.
• Easy Payment Plan: The credit card members can enjoy easy payment plans with Emirates Islamic Skywards Black Card. With this benefit, they can convert their high-value purchases into easy monthly installments and repay the same at a zero percent interest rate.
• Global Assistance: Credit card members can get fulltime assistance in case they have any card-related queries. They can simply call the help and support team and find answers to their queries in no time. The bank offers specialised fulltime service for card members who lose or get their credit card stolen.
• Extended Warranty: The credit card members can enjoy an extended warranty for the products bought using their EIB Emirates Skywards Credit Card. They can get the warranty doubled for up to 1 year by simply using their credit card to buy the covered products. 
• Airport Transfers: The credit card enables card members to enjoy up to four complimentary airport transfers every year. The cardholders can apply this offer only while traveling from or to Dubai airport. They need to use their Emirates Skywards credit card for the bookings to avail of this offer. 
• Domestic Airport Transfers: The credit card members can enjoy up to four domestic airport transfers with Careem every year. The credit card offers these rides at an attractive 50 percent discount capped up to AED 50 per ride. The card members need to use their EIB Emirates Skywards Credit Card for bookings to enjoy this offer.
• Complimentary Lounge Access: The credit card enables card members to enjoy unlimited free access to over 1000 airport lounges throughout the world. The best part is that they can take one guest with them and enjoy the same benefits for both.
• Valet Parking: The credit card members can enjoy three complimentary valet parking services every month. They get charged AED 80 per service on using any additional valet parking services. The amount charged for the additional services used will be added to the cardholder’s credit card bill. 
• Purchase Protection: The credit card members can enjoy purchase protection coverage against loss, damage, or theft of the products purchased using Emirates Islamic Bank credit card.
• Multi-Trip Travel Insurance: The credit card members can also get multi-trip travel insurance to easily pay for sudden and unexpected travel and medical expenses in case of an unfortunate event. The card members need to make their travel bookings using EIB Emirates Skywards Credit Card to avail of this benefit.
• Exclusive Visa Infinite Offers: The credit card offers a wide range of attractive Visa Infinite benefits for card members. 
• Global Concierge: The credit card offers fulltime available helpline for card members. They can call Concierge hotlines at 800 0441 3487 if they are in the UAE and +9714 436 7222 if outside the UAE. Here they can find answers to all their queries related to flights, restaurants, or hotel reservations. 
• Balance Transfer Facility: The credit card members can also enjoy balance transfer services with Emirates Islamic Bank Emirates Skywards Credit Card. With this benefit, they can consolidate and transfer their external credit card bills to EIB Emirates Skywards Credit Card and make easy repayment for the whole outstanding amount in easy monthly EMIs. The best part about this facility is that the card members need not pay any extra profit charges for the service. 
• Cash Advance: The credit card members can fulfil all their emergency financial needs by withdrawing cash in advance using Emirates Islamic Bank Emirates Skywards Credit Card. They can get the cash from any of the bank’s 780,000 ATMs, exchange houses, or other financial institutions that display the VISA logo. The bank charges an additional fee of 3 percent of the amount withdrawn to process the request.
• Credit Shield Insurance: The credit card members can get credit shield benefits to easily pay their credit card bills in case of an unfortunate event such as loss of employment, disability, or death. 

Eligibility Criteria to Apply for a Black Card in UAE

Here are the eligibility criteria the applicants need to meet when applying for a black credit card in UAE.

Documents Required to Apply for a Black Credit Card in UAE

Here are the documents required to apply for a Black Credit Card in UAE.

• Emirates ID (for identity verification) – Original and a copy
• A valid passport with residency visa – Original and a copy
• Appointment Letter/Salary Slips/Salary Transfer Letter (showing designation and annual income) 
• One of these address proofs – Emirates ID, Utility Bill, Contract of Tenancy 
• Trade License (for self-employed applicants)
• Bank Statement (for the previous three months with salary credit transactions)

Fees & Charges of Black Credit Cards in UAE

Here are the fees and other charges of black credit cards in the UAE.

How to Get a Black Credit Card in UAE?

The applicants cannot apply for a black credit card until they get an invite for the same. In case you have an invite from a bank or any other credit card lender, here are the ways that you can choose to apply the same in UAE.

• Bank’s Website - The applicants can visit their chosen bank’s website and fill out the application form to apply for their desired black credit card in just a few clicks. They need to provide their basic details like name, age, address, monthly income, and more in the application form and submit the same with all the essential documents to complete the application process.
• Online Banking - The applicants can also visit and login to their chosen bank’s online banking portal using their banking User ID and Password. They need to fill the application form by providing their basic details to apply for their chosen black credit card. Additionally, they need to provide the necessary documents to support the information provided. The applicants can submit the application form with the required documents and complete the application process in just a few clicks. 
• Mobile Banking - The applicants can also download their preferred bank’s mobile banking app and register on the same to apply for their preferred black credit card. They need to fill in the online application form available in the requests section in the mobile banking app. The applicants need to upload the required documents to complete their credit card application.
• Phone Banking - Not all the banks in the UAE enable applicants to apply for a credit card using phone banking services. However, if the applicants chosen bank does, they can call their helpline number and get a unique code to apply for their chosen black credit card. They need to send this code to the bank’s helpline number via SMS using their registered mobile number and complete the application. The applicants can request one of the bank’s representatives to collect their documents from their doorstep.
• Bank’s Branch -The applicants with no access to the internet or chosen bank’s online and mobile banking portals can opt for a branch visit. They can go to their preferred bank’s branch to apply for their preferred black credit card by filling out the application form in the presence of one of the bank’s representatives. The applicants need to carry all the essential documents and submit the same with the application form.
• Our Website - The applicants can also visit our website to apply for their chosen black credit card. All they need to do is go to the portal and visit the credit cards section. They need to provide their financial preferences to filter out the best credit card options. As the applicants already have an invitation for the credit card, they can simply visit the portal and go through all the detailed benefits and features of the credit card. The applications need to fill out the application form on the portal and submit the same with all the required documents. They can also call our customer support helpdesk to seek assistance if they need to know more about their preferred credit card options. Our financial experts not only explain all the features but also help the applicants apply for their preferred credit card without any hassle.