HSBC RuPay Cashback Credit Card
Updated 3 Jul 2026Source-linked
The HSBC RuPay Cashback Credit Card is a entry credit card from HSBC India, with a joining fee of ₹499 + GST.
It earns up to 10% on dining food grocery spends in the form of cashback.
Cardholders get 2 quarterly domestic airport lounge access, plus ₹500 welcome cashback + ₹250 amazon voucher as a welcome benefit.
HSBC RuPay Cashback Credit Card
- Joining Fee₹499
- Annual Fee₹499
- Best Suited ForDining
- Reward TypeCashback
Rewards Rate
- 10% on dining food grocery
- Base 1.00% on other spends
Welcome Benefits
- ₹500 welcome cashback + ₹250 Amazon voucher
HSBCplatinumentryRewards and Benefits
Rewards Rate
10% on dining food grocery
Base 1.00% on other spends.
Reward Redemption
Cashback: Redeem at ₹1 per unit.
Welcome Benefits
₹500 welcome cashback + ₹250 Amazon voucher
Milestone Rewards
N/A
Domestic Lounge Access
2 visits each quarterly.
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A
Fees & Charges
Spend-Based Waiver
₹1,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
0.00%
Interest Rates
3.50% per month (42.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹4,000, capped at ₹250 per monthly.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
Product Details
- entry card issued by HSBC India.
- Joining / annual fee of ₹499 + GST, waived on annual spends of ₹1,00,000.
- Available on the RuPay network.
- Complimentary airport lounge access: domestic (2/quarterly).
Pros & Cons
Pros
- Annual fee waivable on ₹1,00,000 spend.
- Low forex markup of 0.00% — suited to international spends.
- Complimentary domestic airport lounge access (2/quarterly).
- Accelerated earn worth ≈10.0% on dining food grocery.
Cons
- No rewards on fuel spends.
₹750 welcome benefit
- ₹500 welcome cashback + ₹250 Amazon voucherDownload & log in + link to UPI and make 2 transactionsWindow: 90 days from issuance.
Accelerated rewards
- 10% on dining food grocery10% cashback on dining, food delivery & grocery; 1% on all other eligible spends.
Capping rules
- 10% accelerated cashback (dining/food/grocery) subject to monthly caps
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Airport lounge access
Domestic
2 visit(s) / quarterly. Via rupay.
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹4,000, capped at ₹250 per monthly.
Sources
- : www.hsbc.co.in · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 18–65
- Credit score
- 720+
- Income (salaried)
- ₹4,00,000 p.a.
- Income (self-employed)
- ₹4,00,000 p.a.