HSBC RuPay Cashback Credit Card
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.
- Joining Fee₹499
- Annual Fee₹499
- Best Suited ForDining
- Reward TypeCashback
- 10% on dining food grocery (cap 400 cashback inr / monthly)
- Base 1.00% on other spends
- ₹500 welcome cashback + ₹250 Amazon voucher
HSBCplatinumentryRewards and Benefits
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
- Groceries₹440/mo
You spend ₹8,000 · earns 10.0% = ₹800 uncapped → cap ₹400 clamps it, ₹400 lost to the cap · ₹40 earned at base beyond it
- Cap ₹400/mo reached — extra spend earns base
- Dining & food delivery₹80/mo
You spend ₹8,000 · earns 10.0% = ₹800 uncapped → cap ₹400 clamps it, ₹800 lost to the cap · ₹80 earned at base beyond it
- Cap ₹400/mo reached — extra spend earns base
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 1.0% = ₹150/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 1.0% = ₹100/mo
- Utilities & bills₹5,000 · 1.0% = ₹50/mo
₹4,800 rewards − ₹0 annual fee. Estimate for the spend you entered.
Fees & Charges
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
- 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.
- 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 grocery (cap 400 cashback inr / monthly)10% cashback on dining, food delivery & grocery; 1% on all other eligible spends. Total monthly cashback (10% + 1% combined) is capped at ₹400.
- Total cashback (10% accelerated + 1% base) capped at ₹400 per statement cycle.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Airport lounge access
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 4 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.