ADCB vs HSBC: which saves more in 2026
ADCB and HSBC in the UAE: 2,386 and 190 offers, 20 places in common. Where each saves more, who can get it, what it costs. Checked 9 Nov 2026.
At a glance
| ADCB | HSBC | |
|---|---|---|
| What it is | Bank | Bank |
| Cost | Free for ADCB customers | Free for HSBC cardholders |
| Who can get it | ADCB customers, families (school fees, Salik) | HSBC customers in the UAE |
| Active offers | 2,386 | 190 |
| Places | 2,198 | 188 |
| Typical discount (median) | −20% | −15% |
| Share of buy-one-get-one | 0% | 2% |
| Most places in | Dubai (1215), Abu Dhabi (616), Northern Emirates (180) | Dubai (74), Abu Dhabi (52), Northern Emirates (38) |
Where both work
Both work at 20 places: ADCB saves more at 3, HSBC at 0, the same at 9; 8 can’t be compared (an “up to” discount or a benefit without a percentage).
| Place | ADCB | HSBC | Saves more |
|---|---|---|---|
| Lobby Lounge, Royal M Hotel & Resort by Gewan Al Aqah Beach Northern Emirates | 20% off food & drinks | 15% off food & beverages | ADCB |
| Nautilus, Royal M Hotel & Resort by Gewan Al Aqah Beach Northern Emirates | 20% off food & drinks | 15% off food & beverages | ADCB |
| The View Pool Bar, Royal M Hotel by Gewan Abu Dhabi Abu Dhabi | 20% off food & drinks | 15% off food & beverages | ADCB |
| 24th St. World Street Food Restaurant, Dusit Thani Dubai Dubai | 15% off food & drinks | 15% off food & beverages | same |
| HardRock Cafe Dubai | 15% off food & drinks | 15% off food & beverages | same |
| Kanpai Dubai | 15% off food & drinks | 15% off food & beverages | same |
| Pressman's Dubai | 15% off food & drinks | 15% off food & beverages | same |
| Scorpio Sting Restaurant Abu Dhabi | 15% off food & drinks | 15% off food & beverages | same |
| Stock Burger Co, Holiday Inn Abu Dhabi Abu Dhabi | 20% off food & drinks | 20% off food & beverages | same |
| The Lobby Lounge, Dusit Thani Dubai Dubai | 15% off food & drinks | 15% off food & beverages | same |
| The Pub, Radisson Blu Hotel, Dubai Deira Creek Dubai | 25% off food & drinks | 25% off food & beverages | same |
| View, Dusit Thani Dubai Dubai | 15% off food & drinks | 15% off food & beverages | same |
| Healthy Home All UAE | 15% off services | 10% off cleaning and pest-control services (promo code) | can’t tell |
| PizzaExpress Live Dubai | 20% off the à la carte menu | 25% off food & beverages | can’t tell |
| Bert's Cafe & Restaurant Dubai | 15% off food & drinks (min. spend AED 100) | 15% off food & beverages | can’t tell |
| Curry Fit Restaurant Dubai | 15% off food & drinks (min. spend AED 50) | 15% off food & beverages | can’t tell |
| DNA Board Games Cafe Abu Dhabi | 15% off food & drinks (min. spend AED 70) | 15% off food & beverages | can’t tell |
| Frappy Cheerful Blend Dubai | 15% off food & drinks (min. spend AED 50) | 15% off food & beverages | can’t tell |
| ITSU Restaurant Dubai | 15% off the à la carte menu | 15% off a la carte menu | can’t tell |
| Reel Cinemas Dubai | BOGO cinema tickets (max 2 free per month) + 20% off F&B | Buy 1 Get 1 Free tickets + 20% off food and drink | can’t tell |
Buy-one-get-one counts as 50% off. We name a winner only when both cards give a fixed percentage; “up to” offers and benefits without a percentage are not compared. The discount must cover the same service, confirmed in our catalogue.
By category
| Category | ADCB | HSBC |
|---|---|---|
| Restaurants | 1599 | 147 |
| Shopping | 157 | 5 |
| Health | 98 | 2 |
| Parks & leisure | 85 | 8 |
| Hotels | 60 | 11 |
| Spa & beauty | 63 | 5 |
| Services | 39 | 1 |
| Fitness | 33 | 5 |
Only with ADCB
- BattmobileDubaiADCBUp to 80% off selected services (min. spend AED 500)
- Al Jebal OpticalsNorthern EmiratesADCBUp to 70% off selected products
- Best OpticalsAbu DhabiADCBUp to 60% off selected frames & sunglasses
- Fair OpticalsAbu DhabiADCBUp to 60% off selected frames & sunglasses
- Le Maria OpticalsAbu DhabiADCBUp to 60% off selected frames & sunglasses
- LifeStyle Fine JewelryAll UAEADCBUp to 60% off
- Spring Fields NurseryAbu DhabiADCBUp to 60% off nursery fees
- Capital Gate TourismAbu DhabiADCB55% off desert safari
Only with HSBC
- Roxy CinemasDubaiHSBCBuy 1 Get 1 Free tickets; 20% off food and drink in Platinum lounges
- VOX CinemasAll UAEHSBCBuy 1 Get 1 Free tickets (up to 5 a month) + 25% off single food items
- Health Club - Bahi Ajman Palace HotelNorthern EmiratesHSBC40% off health club memberships
- Health Club - Coral Beach Resort SharjahNorthern EmiratesHSBC40% off health club memberships
- The H Hotel DubaiDubaiHSBCUp to 40% off room rates
- Royal Medical Center & One Day SurgeryAbu DhabiHSBCUp to 35% off medical services
- HSBC30% off all spa treatments
- Bushman's Restaurant & Bar - Anantara The Palm Dubai ResortDubaiHSBC30% off food & beverages
Common questions
Which is better, ADCB or HSBC?
It depends on where you spend: ADCB has clearly more places in restaurants, shopping, health. Both work at 20 places: ADCB saves more at 3, HSBC at 0, the same at 9; 8 can’t be compared (an “up to” discount or a benefit without a percentage).
Who can get ADCB?
ADCB customers, families (school fees, Salik)
Who can get HSBC?
HSBC customers in the UAE
What if I have both cards?
Each place page in the catalog shows the discounts of all your cards side by side, so you can pay with the one that saves more.