HSBC India RuPay Cashback Card

Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate

Open to new applications · Earns cashback

First-year fee

₹499 to join.

Annual fee

₹499 a year.

What it gives back

1% cashback · everyday spends

Read from 5 HSBC India documents, last checked 19 Oct 2026.

How it compares

Compared with the cards we have read

₹499 annual fee: of the 273 other open cards whose annual fee we have read, 100 state a lower one, 25 state the same and 148 state a higher one.

3.5% forex markup: of the 291 other open cards whose forex markup we have read, 103 state a lower one and 188 state the same.

Fees

Welcome offer

Welcome benefit
Get ₹500 cashback when you download and log on to the HSBC India Mobile Banking app and spend ₹10,000 within 30 days of getting your card. · Get an ₹250 Amazon eGift Voucher when you apply online, verify yourself by video and receive your card. · Enjoy 2-months EazyDiner membership when you activate your RuPay credit card. · Plus, get ₹250 cashback when you link your card to UPI and make 2 transactions of ₹250 or more within 30 days of getting your card.

Rewards

Reward rate
1% cashback · everyday spends1% cashback on all other eligible spends.
Reward earning on dining spends
10% cashback on dining, food delivery and grocery spending.
Reward caps
Up to ₹400 on your spending every month, in store and online

Card benefits

International lounge access
2 complimentary international airport lounge visits per year.
Domestic lounge access
Up to 2 complimentary local visits per quarter and 2 international visits per year
Hotel or travel programme
Discounts up to ₹6,000 on flights and hotels via Cleartrip with coupon code HSBCRPCC for full swipe transactions and HSBCRPEMI for EMI transactions

Charges

Forex markup
3.5% on foreign currency transactions.
Cash advance fee
2.5% of the transaction amount (subject to a minimum of ₹500)
Interest on unpaid balance
3.75% per month (45% per annum), computed from the date of transaction.
Interest-free period
45 days interest-free when you pay in full.
Late payment fee
100% of the Minimum Payment Due (MPD), subject to a minimum of ₹250 and a maximum of ₹1,200 per month

Eligibility

Income requirement
Minimum income of ₹600,000 per year for salaried individuals or ₹12,00,000 per year for self-employed individuals
Minimum age
Be aged between 18 to 65 years old for salaried individuals, or 25 to 65 years old for self-employed individuals.
Residency
Indian resident, residing in Chennai, Gurgaon, Delhi National Capital Region (NCR), Pune, Noida, Hyderabad, Mumbai, Bengaluru, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad, Kolkata, Amritsar, Baroda, Indore, Lucknow, Nagpur, Surat or Trivandrum.

How we know - 5 documents from HSBC India, checked 19 Oct 2026

5 documents from HSBC India, checked 19 Oct 2026.

On these lists

₹499 a year

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