MyFinCards
HSBC RuPay Cashback Credit Card

Joining Fee

₹499

Annual Fee

Rs. 499 (Reversed on annual spends of Rs. 2 Lakhs)

0
HSBC Bank
Cashback
Best For: Everyday spenders on dining and groceries, UPI users seeking credit card rewards, Those wanting a low-fee cashback card

HSBC RuPay Cashback Credit Card

Rewards Structure

Base Reward Rate

1% on spends

Point Value

1 Point = ₹0.25

Earning Cap

₹400 /monthly

Pros

  • 0% forex markup on international transactions (until 30 June 2026)
  • 10% cashback on dining, food delivery and groceries
  • UPI integration for instant payments
  • Airport lounge access domestic and international
  • Low joining and annual fee of INR499

Cons

  • Monthly cashback capped at INR400
  • Annual fee waiver requires INR200,000 annual spend
  • 0% forex markup is a limited period offer until June 2026
  • No cashback on fuel, wallets, insurance, education, government and many other categories

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Cashback capped at INR400 per month

0% forex markup is promotional and expires 30 June 2026

Many MCC categories excluded from cashback

Key Benefits & Features

UPI integration via HSBC SimplyPay and third-party UPI apps

International usage in 160+ countries via JCB network

5% off on Paytm bill payments using promo code HSBCRUPAY (max discount INR150)

Discounts up to INR6,000 on flights and hotels via Cleartrip

Eligibility Criteria

Min. Annual Income

₹6.0 Lakhs

Age Requirement

18+ Years

Occupation

SALARIED

Notable Exclusions

No cashback on fuel related transactionsNo cashback on e-walletsNo cashback on property management, rental commissions and rental paymentsNo cashback on business to business transactionsNo cashback on education and government related transactionsNo cashback on insuranceNo cashback on jewellery and antique itemsNo cashback on gamblingNo cashback on tolls and bridge feesNo cashback on cash withdrawals, credit repayments, foreign currency, liquid and cryptocurrency assetsNo cashback on security broker servicesNo cashback on collection agenciesNo cashback on charityNo cashback on money transfersNo cashback on wholesale clubsNo cashback on utilities – electric, gas, water and sanitary

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About HSBC RuPay Cashback Credit Card

The HSBC RuPay Cashback Credit Card is designed for everyday spenders who want to earn real money back on their regular purchases. Cardholders earn 10% cashback on dining, food delivery, and grocery spending, plus 1% cashback on all other eligible spends, with a maximum cashback of INR400 per month. The card comes with a joining and annual fee of INR499, though the annual fee is waived if annual spending exceeds INR200,000. A standout feature of this card is its seamless UPI integration, allowing cardholders to link it to HSBC SimplyPay or any third-party UPI app for quick, secure payments using QR codes, mobile numbers, or virtual payment addresses. Additionally, the card offers 0% forex mark-up on international transactions and acceptance across 160 countries through the JCB network, making it suitable for travelers as well. New cardholders enjoy attractive welcome benefits, including INR500 cashback on early spending, an INR250 Amazon eGift Voucher on video KYC approval, and a complimentary 2-month EazyDiner membership. Ongoing perks include up to 10 airport lounge visits annually, 12% off at Myntra on Sundays, discounts via Paytm and Cleartrip, and exclusive RuPay cardholder offers, making this a well-rounded, value-packed card for budget-conscious, everyday users.

Expert Review

Our Verdict

Earn up to 10% cashback on dining & groceries with UPI integration and airport lounge access.

Frequently Asked QuestionsAbout HSBC RuPay Cashback Credit Card

OTHERWhat is the HSBC RuPay Cashback Credit Card?
The HSBC RuPay Cashback Credit Card is a cashback credit card on the RuPay network that gives you money back on everyday purchases. It offers 10% cashback on dining, food delivery, and groceries, plus 1% cashback on all other eligible spends. The card also supports UPI payments, provides airport lounge access, and can be used in over 160 countries through the JCB network. It comes with a joining and annual fee of INR499 each.
ELIGIBILITYWhat are the eligibility criteria for the HSBC RuPay Cashback Credit Card?
To apply for the HSBC RuPay Cashback Credit Card, you must: be between 18 to 65 years of age, have a minimum annual income of INR600,000 (for salaried individuals), be an Indian resident, and reside in one of the eligible cities including Chennai, Delhi NCR, Mumbai, Bengaluru, Hyderabad, Pune, Kolkata, Gurgaon, Noida, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad, Amritsar, Baroda, Indore, or Lucknow.
FEESWhat are the joining and annual fees for this card?
The HSBC RuPay Cashback Credit Card has a joining fee of INR499 and an annual fee of INR499. The annual fee is waived if you spend more than INR200,000 in a year. This makes it an affordable cashback card with a low-cost entry point, especially if you meet the annual spend threshold to avoid the renewal fee.
REWARDSHow much cashback can I earn with this card?
You can earn 10% cashback on dining, food delivery, and grocery spending, and 1% cashback on all other eligible spends. However, the total cashback earned is capped at INR400 per month. Cashback is not applicable on certain categories such as fuel, e-wallets, insurance, education, government transactions, jewellery, gambling, utilities, and several business-related merchant categories.
INTERNATIONALWhat is the forex markup on the HSBC RuPay Cashback Credit Card?
The HSBC RuPay Cashback Credit Card currently offers 0% forex markup on international transactions. This means you save on foreign currency conversion fees when spending abroad. Please note that this is a limited-period offer valid until 30 June 2026. After this date, standard forex markup charges may apply. Terms and conditions apply.
INTERNATIONALCan I use my HSBC RuPay credit card internationally?
Yes, you can use your HSBC RuPay Cashback Credit Card internationally. It is accepted at ATMs and payment terminals in over 160 countries and regions worldwide, powered by the JCB network. You can also access global discounts, offers, and experiences through the JCB network. Additionally, you benefit from 0% forex markup on international transactions until 30 June 2026.
USAGEHow do I use my HSBC RuPay credit card for UPI payments?
You can link your HSBC RuPay Cashback Credit Card to UPI apps for instant payments. To add it to the HSBC SimplyPay app, open the app, go to 'My account' in the menu, and select 'Add account.' To add it to a third-party UPI app, open the UPI app, search for HSBC Bank, select your RuPay credit card, confirm, and set your 6-digit UPI PIN. You can then make payments using QR codes, mobile numbers, VPA, or account number with IFSC code.
BENEFITSWhat airport lounge access benefits does this card offer?
The HSBC RuPay Cashback Credit Card provides up to 2 complimentary domestic airport lounge visits per quarter and 2 complimentary international airport lounge visits per year. For details on participating domestic lounges, you can visit rupay.co.in/lounges. For international lounge access, a separate list of participating lounges is available on the HSBC website. Terms and conditions apply.
BENEFITSWhat welcome benefits do I get with this card?
New cardholders enjoy several welcome benefits: INR500 cashback when you download and log on to the HSBC India Mobile Banking app and spend INR10,000 within the first 30 days; an INR250 Amazon eGift Voucher when you apply online, complete Video KYC, and receive your card; INR250 cashback on completing your first 2 UPI transactions of INR250 or more; and a 2-month complimentary EazyDiner membership on activating your RuPay credit card. Terms and conditions apply.
APPLICATIONHow do I apply for the HSBC RuPay Cashback Credit Card?
You can apply for the HSBC RuPay Cashback Credit Card online through the HSBC India website. The online application process includes completing a Video KYC (VKYC) for identity verification. Applying online and completing VKYC also makes you eligible for an Amazon eGift Voucher worth INR250. Alternatively, you can call HSBC or visit your nearest HSBC branch to apply in person. The card is available to residents in select cities across India.
REWARDSWhat categories are excluded from cashback on this card?
Cashback is not earned on several categories including: fuel-related transactions, e-wallets, property rental payments, business-to-business transactions, education and government-related transactions, insurance, jewellery and antique items, gambling, tolls and bridge fees, cash withdrawals, credit repayments, foreign currency and cryptocurrency transactions, security broker services, collection agencies, charity, money transfers, wholesale clubs, and utilities (electric, gas, water, and sanitary). It is advisable to review the full MCC exclusion list before spending.
BENEFITSWhat exclusive offers are available for HSBC RuPay Cashback Credit Cardholders?
Cardholders can enjoy several exclusive offers: 5% off on Paytm bill payments (mobile, broadband, DTH, utilities) of INR299 or more using code HSBCRUPAY (max discount INR150); 12% off at Myntra every Sunday on spends of INR4,000 or more (max discount INR1,000); discounts up to INR6,000 on flights and hotels via Cleartrip using code HSBCRPCC or HSBCRPEMI; and access to exclusive RuPay cardholder offers on shopping and dining. Terms and conditions apply.
FEESHow do I get the annual fee waived on this card?
The annual fee of INR499 on the HSBC RuPay Cashback Credit Card is waived if you spend more than INR200,000 (INR2 lakhs) in a year. This means if your total eligible card spends across the year exceed this threshold, you will not be charged the renewal annual fee for the following year. It is important to note that spends in excluded categories may not count towards this threshold.
DOCUMENTSWhat documents do I need to apply for the HSBC RuPay Cashback Credit Card?
While the page does not list specific documents, standard credit card application documents typically required include: proof of identity (Aadhaar, PAN card, or passport), proof of address, and proof of income (latest salary slips or IT returns for salaried individuals with a minimum annual income of INR600,000). You will also need to complete a Video KYC (VKYC) process as part of the online application. You can download the application forms from the HSBC India website for detailed requirements.
CANCELLATIONHow can I cancel or close my HSBC RuPay Cashback Credit Card?
To cancel or close your HSBC RuPay Cashback Credit Card, you can contact HSBC customer care by phone or visit your nearest HSBC branch. It is advisable to clear all outstanding dues before initiating a cancellation request. You should also redeem any pending cashback before closing the card, as unused cashback may be forfeited upon cancellation. For specific cancellation procedures, refer to the Service Guide available on the HSBC India website or contact HSBC directly.

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