- Joining fee
₹499 + GST
- Annual fee
₹499 + GST
- Best suited for
Shopping, Food
- Reward type
Cashback
Rewards
- 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
- Welcome benefits
₹500 Cashback on Logging in to the HSBC India Mobile Banking App and 2 Month EazyDiner Membership
- Reward redemption
Cashback is Reflected in the Monthly Statement
Benefits
- Movie & dining
Periodic Discount Offers on Platforms Like Swiggy
- Domestic lounge
2 Free Visits Each Quarter
- International lounge
2 International Airport Lounge Access Each Year
Fees & charges
- Spend-based waiver
Annual Charges Are Waived on Spends of ₹2 Lakh
- Foreign currency markup
0% Till 31st July 2026
- Interest rates
3.75% Per Month (45% Per Annum)
- Cash advance charges
2.5% of the Advance Amount Subject to a Minimum of ₹500
Product highlights
- 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 & cons
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.
FAQs
Is the HSBC RuPay Cashback Credit Card lifetime free?
No, the HSBC RuPay Cashback Credit Card comes at a joining and annual charge of ₹499.
Is this card also available on the Visa network?
No, this card is exclusively available on the RuPay network.