HSBC India RuPay Cashback Card
HSBC India
Annual / renewal fee
₹499 (The annual fee including applicable GST will be fully reversed if total eligible spend across the primary and add-on cards during the relevant anniversary year exceeds ₹200,000).
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Earn rate
- 10% cashback on all dining, food delivery and grocery spends.
- 1% cashback on all other spends (exclusions apply).
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This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at hsbc.co.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at hsbc.co.in — if a different card is shown first, use its card selector to pick this one.
Overview
RuPay Cashback Card by HSBC India. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
- ₹499 (primary card).
- NIL for add-on cards.
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Annual / renewal fee
₹499 (The annual fee including applicable GST will be fully reversed if total eligible spend across the primary and add-on cards during the relevant anniversary year exceeds ₹200,000).
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Fee waiver
- Annual fee waived off if total eligible spend across primary and add-on cards during the relevant anniversary year exceeds ₹200,000.
- Fee charged at end of anniversary year and reversed subsequently on meeting spend criteria.
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Rewards
- 10% cashback on all dining, food delivery and grocery spends.
- 1% cashback on all other spends (exclusions apply).
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Redemption value
- No separate rewards programme - card earns cashback which is credited directly to the credit card account and adjusted against the amount payable.
- Eligible cashback amount credited to the Credit Card account within 45 days of the statement date.
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Reward cap
Cashback across both categories (10% and 1%) is capped at ₹400 per statement.
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Reward exclusion
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Travel & lounge
Lounge access
Confirm on the official page
Official source not yet captured
Travel benefit
- Cleartrip offer for HSBC RuPay Credit Cardholders (Offer Period 15 July 2025 to 31 August 2026) using coupon code HSBCRPCC for full swipe and HSBCRPEMI for EMI: Domestic Flights 12% off (max ₹1,600, MOV ₹6,000).
- International Flights 10% off (max ₹6,000, MOV ₹15,000).
- Domestic Hotels 20% off (max ₹5,000, MOV ₹5,000).
- International Hotels 20% off (max ₹5,000, MOV ₹5,000).
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Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
₹500 cashback on successfully downloading the HSBC India Mobile app and making transactions of at least ₹10,000 within the first 30 days of card issuance (offer applies to cards applied for between 15 July 2025 and 30 June 2026; cashback credited within 60 days after completion of 30 days from card issuance; add-on cardholders not eligible).
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Dining benefit
- Complimentary 2 months EazyDiner Prime Membership on activation of the card during the offer period (15 July 2025 to 31 July 2026).
- Prime benefits include guaranteed 25% to 50% discount at premium bars and restaurants (save up to ₹3,000), priority reservations, 2x EazyPoints.
- Other HSBC Credit Cards and Add-On Credit Cards not eligible.
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Insurance
- Lost Card Liability cover: nil liability after reporting loss to HSBC.
- Cardholder is covered for misuse up to 24 hours before reporting and 7 days after reporting the loss, for up to ₹100,000 (provided by ICICI Lombard General Insurance Company Limited; all PIN-based transactions and counterfeit/pre-delivery frauds not covered; available to valid primary cardholders only).
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Milestone benefit
UPI Linkage & Cashback Offer for new HSBC RuPay Credit Cardholders (Platinum and Cashback variants) issued between 15 May 2026 and 31 July 2026: Complete 2 credit card linked UPI transactions of ₹250 or more within the first 30 days of card issuance and get ₹250 cashback (credited within 60 calendar days after completion of 30 days from issuance).
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Statement credit
Paytm Recharges & Bill Payment Offer for HSBC RuPay Credit Cardholders (1 July 2025 to 31 July 2026) using promo code HSBCRUPAY: 5% off up to ₹150, minimum transaction value ₹299, valid once per card during the offer period on select bill payment/recharge categories (Mobile Prepaid & Postpaid, Broadband, DTH, Water Bill, Gas Cylinder, Piped Gas Bill, Electricity Bill).
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Eligibility
Eligibility
- UPI Linkage and Cashback Offer: new HSBC RuPay Credit Cardholders (Platinum and Cashback variants) issued between 15 May 2026 to 31 July 2026.
- Get ₹250 cashback on completing first two eligible credit-card linked UPI transactions of ₹250 or more each within the first 30 days of card issuance.
- Resident Indian cardholders with valid, active, non-hotlisted card and updated KYC.
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Charges & interest
Forex markup
- 3.5% currency conversion charge on foreign currency transactions.
- However 0% mark-up fee on all foreign currency spends under a limited-period offer valid 15 July 2025 to 31 July 2026 (Balance Transfer and Cash on EMI excluded).
VerifiedForex / 0% FX Mark-up Offer Terms & Conditions – RuPay Cashback Credit Card4 Aug 2026, 6:20 AM ISTHSBC India
Charge
- Finance charge: 3.75% per month (45% per annum) on extended credit and cash advances, computed from date of transaction.
- Cash advance transaction fee: 2.5% of transaction amount (minimum ₹500).
- Transaction fee for cash withdrawal against bank account at ATMs overseas: ₹100.
- At non-HSBC ATMs in India: NIL.
- Currency conversion charge: 3.5% on foreign currency transactions.
- Late payment fee: 100% of Minimum Payment Due, minimum ₹250 and maximum ₹1,200 per month (charged if minimum due not credited within 3 days of payment due date).
- Charge for bounced cheque/dishonoured SI/unsuccessful NACH payment: ₹500.
- Cash payment charge: ₹100 (at HSBC Branches and Drop boxes).
- Rental and related payments: 1% processing fee plus applicable taxes.
- Overlimit fee: 2.5% of overlimit amount or ₹500 (whichever is higher) + applicable GST.
- Balance transfer charges: rate of interest 10.99% p.a. to 15.99% p.a. across tenors, processing fee 1.5% subject to minimum of ₹200.
- All fees charged along with applicable taxes.
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Fuel surcharge waiver
- 1% fuel surcharge on fuel transaction value.
- Waiver applicable if transaction is made using HSBC Credit Card and transaction amount is between ₹400 and ₹4,000 (inclusive, excluding the surcharge amount).
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Interest-free period
- Up to 45 days free credit period (RuPay Cashback Card).
- Not applicable for cash advance transactions and suspended if any balance of the previous month's bill is outstanding.
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Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the RuPay Cashback Card?
Officially traced: Rs. 499 (The annual fee including applicable GST will be fully reversed if total eligible spend across the primary and add-on cards during the relevant anniversary year exceeds Rs. 200,000).
harvested from product pageWhat is the joining fee on the RuPay Cashback Card?
Officially traced: Rs. 499 (primary card).
harvested from product pageIs the RuPay Cashback Card annual fee ever waived?
Annual fee waived off if total eligible spend across primary and add-on cards during the relevant anniversary year exceeds Rs. 200,000.
harvested from product pageHow does the RuPay Cashback Card earn rewards?
10% cashback on all dining, food delivery and grocery spends.
harvested from product pageWhat welcome benefit does the RuPay Cashback Card offer?
Rs. 500 cashback on successfully downloading the HSBC India Mobile app and making transactions of at least Rs. 10,000 within the first 30 days of card issuance (offer applies to cards applied for between 15 July 2025 and 30 June 2026.
harvested from product pageWhat are the transfer ratios for RuPay Cashback Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Verified 2026-08-04 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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