ADCB 365 Cashback vs HSBC Platinum Credit Card
Net value is estimated on a sample monthly spend, ranked by value not commission.
Verdict
On our reference spend profile, ADCB 365 Cashback comes out ahead on estimated net value — about AED 4/yr more than the HSBC Platinum Credit Card. Your own spending pattern can change this — run the numbers in the rewards calculator.
| Attribute | ADCB 365 Cashback Best value | HSBC Platinum Credit Card |
|---|---|---|
| Issuer | ADCB | HSBC |
| Annual fee | AED 524 / year | No annual fee |
| Welcome bonus | — | — |
| Min. income (monthly) | AED 15,000 | AED 10,000 |
| Reward type | cashback | cashback |
| Headline rate | 3% cashback | 1% cashback |
| Bonus categories | fuel, dining, education, groceries | dining, groceries |
| Lounge access | Yes | No |
| Foreign tx fee | 2.49% | 2.99% |
| Est. net value / yr | AED 592 | AED 588 |
| Apply | Apply |
Frequently asked questions
- ADCB 365 Cashback vs HSBC Platinum Credit Card: which is better?
- On our reference spend profile the ADCB 365 Cashback delivers higher estimated net value than the HSBC Platinum Credit Card in United Arab Emirates, so it wins on value. Your own spending pattern may change the result — run both through the rewards calculator.
- What is the annual fee difference between ADCB 365 Cashback and HSBC Platinum Credit Card?
- ADCB 365 Cashback: AED 524 / year. HSBC Platinum Credit Card: No annual fee.
- Which earns more rewards, ADCB 365 Cashback or HSBC Platinum Credit Card?
- ADCB 365 Cashback earns 3% cashback; HSBC Platinum Credit Card earns 1% cashback. We rank by net value after fees, not headline rate alone.