HSBC RuPay Cashback Credit Card
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Joining Fee
Renewal Fee
Best Suited For
Reward Type
|
Welcome Benefits
Movie & Dining
Periodic Discount Offers on Platforms Like Swiggy
Rewards Rate
10% Cashback on Dining, Food Delivery, and Grocery Spending. 1% Cashback on Other Eligible Spends (Including UPI). Both Categories are Capped at ₹400
Reward Redemption
Cashback is Reflected in the Monthly Statement
Travel
N/A
Domestic Lounge Access
2 Free Visits Each Quarter
International Lounge Access
2 International Airport Lounge Access Each Year
Golf
N/A
Insurance Benefits
N/A
Spend-Based Waiver
Annual Charges Are Waived on Spends of ₹2 Lakh
Rewards Redemption Fee
N/A
Foreign Currency Markup
0% Till 31st December 2025
Interest Rates
3.75% Per Month (45% Per Annum)
Fuel Surcharge
N/A
Cash Advance Charges
2.5% of the Advance Amount Subject to a Minimum of ₹500
- This is one of the premier RuPay offerings from HSBC.
- This credit card is ideal for those seeking a cashback option.
- Cardholders can earn up to 10% cashback on their purchases with this card.
- The HSBC Cashback Credit Card provides 1% cashback for UPI spends.
- This card even offers international and domestic airport lounge access.
Pros
- For only ₹499 + GST, this card provides access to both domestic and international airport lounges without any spending requirements.
Cons
- The ₹400 cashback cap is quite low.
Welcome Benefits
- Get ₹500 cashback on spending ₹10,000 within 30 days of logging in to the HSBC India Mobile Banking app.
- Receive a ₹100 Amazon eGift voucher when you apply online, complete video KYC, and get your card.
- Enjoy a 2-month complimentary EazyDiner membership on activation of the RuPay credit card.
Earn Cashback Up to ₹4,800 Each Year
The HSBC RuPay Cashback Credit Card has a simple reward structure.
- 10% cashback on all dining, food delivery, and grocery purchases.
- 1% cashback on other eligible expenses, including UPI.
- Cashback on both categories is capped at ₹400.
Cashback Exclusions
No cashback is applicable on the following categories:
- Fuel
- E-Wallet Transactions
- Payment of Property Management Fees, Rental Commissions, and Rental Payments
- Business-to-Business (B2B) Transactions
- Education-Related Payments
- Government-Related Payments
- Insurance
- Jewelry and Antique Item Purchases
- Gambling Transactions
- Toll and Bridge Fee Payments
- Transactions at Financial and Non-Financial Institutions
- Security Broker Services
- Collection Agency Payments
- Charity and Donation Payments
- Money Transfer Services
- Purchases at Wholesale Clubs
Free Airport Lounge Access
Get up to 2 complimentary domestic lounge visits each quarter and 2 international visits per year with the HSBC RuPay Cashback Credit Card. You can find the list of eligible domestic lounges here.
0% Forex Charge – LIMITED TIME OFFER
The HSBC RuPay Cashback Credit Card comes with zero foreign exchange markup charges for a limited time period. This offer is valid for international spends made between July 15, 2025, and December 31, 2025. Coming from a card with such reasonable fees, this is a great offer, especially for those who make foreign spends or are looking to travel abroad. Check complete details here.
Various Brand and Platform Offers
- Swiggy Instamart: Get 10% off on grocery orders of ₹500 or more (max ₹200 off).
- Tira (Every Wednesday): Save 10% on beauty orders above ₹2,499 (max ₹1,000 off).
- Paytm: Enjoy 5% off on bill payments over ₹299 (max ₹150), including mobile, DTH, gas, electricity & more.
- Cleartrip: Avail up to ₹6,000 off on flights and hotel bookings.
Eligibility
To be eligible, applicants must meet the following criteria:
- Be aged between 18 and 65 years old.
- Have a minimum annual income of ₹400,000 for salaried individuals.
- Be a resident of India.
- Reside in one of the following cities: Chennai, Gurgaon, Delhi National Capital Region (NCR), Pune, Noida, Hyderabad, Mumbai, Bangalore, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad, or Kolkata.
Bottom Line
The HSBC RuPay Cashback Credit Card is accepted in over 160 countries worldwide, thanks to its partnership with JCB (Japan Credit Bureau). From global acceptance to complimentary international and domestic airport lounge access, and even zero forex markup charges for a limited time, this card offers much more than it appears at first glance.
Although the low cashback cap may discourage some users, it could still be the perfect choice for those seeking a rewarding and straightforward credit card from HSBC.
FAQs:
Is the HSBC RuPay Cashback Credit Card lifetime free?
Is this card also available on the Visa network?