HSBC

HSBC RuPay Cashback Credit Card

Apply for HSBC RuPay Cashback Credit Card and get 10% cashback on dining & groceries, 1% on UPI spends, and 8 lounge visits/year. Best for food & UPI spenders.

Online Food OrderingDiningGrocery ShoppingTravelUtility Bills
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Issued by

HSBC

HSBC RuPay Cashback Credit Card image
Joining Fee₹499
Annual Fee₹499
Income₹35000
Credit Score750

Key Highlights

Dining

Get 10% Cashback on Dining Spends

up to a total cashback of ₹400 per month across eligible categories

Grocery Shopping

Get 10% Cashback

on grocery spends up to a total cashback of ₹400 per month across eligible categories

Travel

Get Airport Lounge Visits

with up to 2 complimentary local visits per quarter and 2 international visits per year

Utility Bills

Get 5% Discount on Paytm Bill Payments

of ₹299 or more on eligible transactions, up to ₹150

Get 10% Cashback

on Dining, Food Delivery and Grocery Spending

Travel

Get Cleartrip Discounts Upto ₹6000

on flights and hotels using for full swipe transactions and EMI transactions

Online Food Ordering

Get 10% Cashback on food delivery

spends up to a total cashback of ₹400 per month across eligible categories

Dining

Get EazyDiner Membership

for 2 months when you activate your RuPay credit card

Get ₹500 Cashback and ₹250 Amazon eGift Voucher on Card Activation

on spending ₹10,000 within 30 days od successful application

Travel

Get Airport Lounge Visits

with up to 2 complimentary local visits per quarter and 2 international visits per year

Eligibility

Age Criteria21-65

Applicants must be between 21 and 65 years at the time of application.

Credit Score750

A CRIF score of 750 or above is required as per the bank’s eligibility criteria.

Salaried Income₹6 LPA

Minimum Annual Income of ₹6 LPA is required to apply for the HSBC RuPay Cashback Credit Card, as per bank eligibility.

Self-employed Income₹12 LPA

Minimum Annual Income of ₹12 LPA is required to apply for the HSBC RuPay Cashback Credit Card, as per bank eligibility.

Employment TypeSelf Employed, Salaried
New to CreditNot eligible

Fees & Waivers

Joining Fee₹499

A one-time joining fee of ₹499 is charged at the time of card issuance as per the bank’s policy.

Joining Fee OffsetPay ₹499 and get ₹500 cashback by spending ₹10,000 within the first 30 days, effectively offsetting the joining fee.
Annual Fee₹499

The annual fee is charged every year and may be waived if you meet the bank’s spending conditions.

Annual Fee WaiverThe annual fee is waived off if you spend more than ₹2 lakh in a year.
Estimated Annual Saving₹20000

Rewards & Redemption

Reward ConversionN/A
Redemption Options

This is a cashback card, and the cashback is adjusted in your monthly statement.

Earning ExclusionsFuel Spends, Wallet Loads, Rent Payment, Business Services, Education Spends, Government-Related Transactions, Insurance Payments, Jewellery Purchases, Antique Items, Gambling Transactions, Toll Payments, Cash Advances, ATM Cash Withdrawals, Outstanding Payments, Forex Transactions, Cryptocurrency/Digital Asset Transactions, Liquid Assets, Security Broker Services, Collection Agencies, Charity, Donations, Money Transfers, Utility Bill Payments
Spend ExclusionsFuel Spends, Wallet Loads, Rent Payment, Business Services, Education Spends, Government-Related Transactions, Insurance Payments, Jewellery Purchases, Antique Items, Gambling Transactions, Toll Payments, Cash Advances, ATM Cash Withdrawals, Outstanding Payments, Forex Transactions, Cryptocurrency/Digital Asset Transactions, Liquid Assets, Security Broker Services, Collection Agencies, Charity, Donations, Money Transfers, Utility Bill Payments

Benefits

All Benefits

  • Get upto ₹6,000 Discounts on flights and hotels via Cleartrip on full swipe (code: HSBCRPCC) and EMI transactions (code: HSBCRPEMI)
  • Earn 1% cashback on all other eligible spends
  • Earn up to ₹400 cashback per month
  • Earn 10% Cashback on Dining, Food Delivery, and Grocery Spends
  • Get 5% off on Paytm bill payments of ₹299 or more, up to ₹150 discount

Welcome Benefits

  • Earn ₹500 cashback on downloading and logging on to the HSBC India Mobile Banking app and spending ₹10,000 within the first 30 days of getting the card
  • Get ₹250 Amazon eGift Voucher on applying online, completing video KYC and receiving the card
  • Enjoy 2-month Complimentary EazyDiner membership on activating the RuPay credit card

Flight Benefits

  • Get upto ₹6,000 Discounts on flights and hotels via Cleartrip on full swipe (code: HSBCRPCC) and EMI transactions (code: HSBCRPEMI)
  • Avail 0% forex mark-up on international transactions until 30 June 2026

Airport Lounge Benefits

  • Enjoy 10 Complimentary Lounge visits yearly (up to 2 Domestic per quarter; 2 International per year)

Dining Benefits

  • Earn 10% cashback on Dining & Food Delivery spends, capped at ₹400 cashback per month combined across all accelerated categories

Bank Offers

  • Get 5% off on Paytm bill payments of ₹299 or more, up to ₹150 discount
  • Exclusive RuPay cardholder offers on shopping, dining and more
  • Access to global discounts, offers and experiences via the JCB network-enabled RuPay card

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application
A minimum transaction of Rs.100 within 30 days is required to activate the card, otherwise, you won’t be eligible for the Rewards

FAQ

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