HSBC RuPay Cashback Credit Card
- Updated On: 17 July, 2026
The HSBC RuPay Cashback Credit Card is a simple offering from the foreign credit card issuer in India. This card can be availed at a joining and annual fee of ₹499 + GST and offers 10% cashback on spends related to dining, food delivery, and grocery purchases. Apart from this, the card offers 1% cashback on all other spends, including UPI transactions.
The only drawback of this card can be considered the cashback cap of ₹400 per statement cycle for both the 10% and 1% categories. While this may seem low for those with high monthly spends, it is perfectly suited for those who are just beginning their credit journey or are looking to get an HSBC Credit Card to benefit from various issuer offers. The HSBC RuPay Cashback Credit Card can be considered a lighter version of the HSBC Live+ Credit Card.
One of the most rewarding features of this card is the complimentary international and domestic airport lounge access, offered without any spending criteria. This benefit is especially valuable considering the low annual fee of ₹499 + GST.
HSBC RuPay Cashback Credit Card
( 4.5 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
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
Rewards and 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
Fees & Charges
Spend-Based Waiver
Annual Charges Are Waived on Spends of ₹2 Lakh
Rewards Redemption Fee
N/A
Foreign Currency Markup
0% Till 31st July 2026
Interest Rates
3.75% Per Month (45% Per Annum)
Fuel Surcharge Waiver
N/A
Cash Advance Charges
2.5% of the Advance Amount Subject to a Minimum of ₹500
Product Details
- 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.
Welcome Benefits
- Get ₹500 cashback on spending ₹10,000 within 30 days of logging in to the HSBC India Mobile Banking app.
- Enjoy a 2-month complimentary EazyDiner membership on activation of the RuPay credit card.
- Additional ₹250 cashback by linking your card to UPI and completing 2 transactions of ₹250 or more within 30 days of card issuance.
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 31st July 2026. 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
- 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 ₹600,000 for salaried individuals.
- Be a resident of India.
- Reside in one of the following cities: Bengaluru, Chennai, Gurugram, Hyderabad, Mumbai, New Delhi, Noida, Pune, Chandigarh, Kolkata, Jaipur, Ahmedabad, Coimbatore, Kochi, Baroda, Lucknow, Amritsar, Indore, Surat, and Nagpur.
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?
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.
2 comments
Anonymous
Currently living in Pune but on Aadhaar the permanent address is of agra, am i eligible, or they will reject?
Kartik Kanwar
They will reject..