HSBC India

HSBC RuPay Cashback Credit Card

Data last verified: 11 October 2026

DiningRUPAY

Joining fee₹499 + GST
Annual fee₹499 + GST
Reward rate1% base, up to 10% on dining

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Joining fee₹499 + GST
Annual fee₹499 + GST
Fee waiverOn ₹2 lakh spend a year
Forex markup3.5%
Interest (APR)3.75% a month, 45% a year

01HSBC RuPay Cashback Credit Card Rewards and Benefits

Rewards rate: 1% base, up to 10% on dining
Fee waived on: ₹2 lakh spend a year
Reward redemption: Not published
Dining: 10% back, Swiggy, Zomato, restaurant dining
Travel: 1% back (the normal rate)
Golf: Not included
Domestic lounge: 8 visits a year
International lounge: 2 visits a year
Insurance benefits: Not included

02HSBC RuPay Cashback Credit Card Annual Fee and Charges

Joining fee: ₹499 + GST
Annual fee: ₹499 + GST
Spend-based waiver: Annual fee waived on ₹2 lakh spend in a year (rent and wallet loads not counted)
Rewards redemption fee: Nil
Forex markup: 3.5%
Interest rate: 3.75% a month (45% a year)
Fuel surcharge waiver: No
Card replacement: Not published

03What It's Worth, in Rupees

If you spend ₹20,000 a month on this card:

₹5,000 on dining and food delivery, earning 10% capped₹400
₹15,000 on everything else, earning 1%₹150
Back each month, ₹6,600 a year₹550
Annual fee with 18% GST (waived at this spend)₹0
In your pocket each year₹6,600

Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.

Good for

Dining: 10% back, up to ₹400 a month
Groceries: 10% back, up to ₹400 a month
Spending ₹16,667 or more a month: the ₹589 fee is waived
Flyers: 10 airport lounge visits a year

Skip it if…

you spend less than ₹16,667 a month (₹2,00,000 a year, rent and wallet loads not counted): the ₹589 fee is then charged
most of your spending is fuel, rent, insurance or education: those earn nothing on this card
you rarely spend on dining or groceries: the 10% rate applies only there, everything else earns 1%
you often pay in foreign currency: 3.5% is added to every foreign spend
you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward

04How HSBC RuPay Cashback Credit Card earns Rewards

1% base, up to 10% on dining.

Earns nothing onFuelWallet loadsRentInsuranceEducationGovernmentEMICash withdrawalsOnline gamingTollsJewelleryCharityBrokers

Spend category	Rate	Monthly cap	Where it applies
UPI payments (scan and pay)	1%	No cap	The card's normal rate
Online shopping	1%	No cap	The card's normal rate
Dining and food delivery	10%	₹400	Swiggy, Zomato, restaurant diningTerms: 10% on dining and food delivery, ₹400 is the combined monthly ceiling across the 10% and 1% categories
Groceries	10%	₹400	BigBasket, Blinkit, Zepto, Swiggy InstamartTerms: 10% on groceries, ₹400 is the combined monthly ceiling across the 10% and 1% categories
Travel: flights, hotels, trains	1%	No cap	The card's normal rate
Fuel	Earns nothing	-	earns nothing on this card
Bills and recharges	1%	No cap	The card's normal rate
Rent	Earns nothing	-	earns nothing on this card
Insurance premiums	Earns nothing	-	earns nothing on this card
School and college fees	Earns nothing	-	earns nothing on this card
Wallet top-ups	Earns nothing	-	earns nothing on this card
Taxes and government payments	Earns nothing	-	earns nothing on this card
Spend abroad or in a foreign currency	1%	No cap	The card's normal rate
Everything else	1%	No cap	The card's normal rate

Listed underDining cards Cashback cards Grocery cards

CardAdvisor tagsDiningGroceryCashback

Terms on the base rate. 1% cashback on all other spends, ₹400 is the combined monthly ceiling across the 10% and 1% categories

05HSBC RuPay Cashback Credit Card Lounge Access and Travel

Domestic lounge access is 8 visits a year, international is 2 visits a year. Up to 10 lounge visits a year, 2 domestic per quarter (8/yr) plus 2 international per year, per the product page (Aug 2026); the Feb-2026 service guide states only 4 visits (one per quarter), so confirm your entitlement with HSBC before relying on it. Spending abroad carries a 3.5% forex markup; rewards on it: 1% back (the normal rate). See what it costs on your trip

Also on the card. airport lounge access.

06HSBC RuPay Cashback Credit Card Eligibility and Documents

Age: 18 to 65 years
Employment: Salaried or self-employed
Minimum monthly income: ₹50,000

Documents. PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph

07Recent Changes

What HSBC India changed on this card recently. The facts on this page already reflect them.

Date	Change	Before	Now
Jul 2025	Changed: HSBC launches its first RuPay cashback card	-	-

See this card's change history → · All card changes in July 2025 →

08Cards Similar to HSBC RuPay Cashback Credit Card

HSBC RuPay Cashback Credit Card is a dining card. The two below are the closest on SkyloFin; open any of them, or put them side by side.

Feature	HSBC RuPay Cashback Credit Card	HSBC Live Plus Credit Card	SBI BPCL Credit Card
Joining fee	₹499 + GST	₹999 + GST	₹499 + GST
Annual fee	₹499 + GST	₹999 + GST	₹499 + GST
Rewards	1% base, up to 10% on dining	1.5% base, up to 10% on dining	0.25% base, up to 1.25% on dining; 3.25% only at partner merchants
Domestic lounge	8 visits a year	2 visits a year	Not included
Forex markup	3.5%	1.99%	3.5%
Type	Dining	Dining	Fuel

Compare with HSBC Live Plus Credit Card Compare with SBI BPCL Credit Card

09Explore More

All HSBC India productsEvery card, loan and account from HSBC India on SkyloFin Dining credit cardsEvery dining card, compared All credit cardsFilter by issuer, category and fee Rewards calculatorWhat this card would earn on your spending Interest calculatorWhat carrying a balance really costs Track this card in SkyloFin - Expense TrackerStatements and due dates from your bank SMS, on your phone

Card facts last verified 11 October 2026.

Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

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Common Questions

What is the joining fee for the HSBC RuPay Cashback Credit Card?

The joining fee is ₹499 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.

What is the annual fee for the HSBC RuPay Cashback Credit Card?

The annual fee is ₹499 + GST.

Does the HSBC RuPay Cashback Credit Card give airport lounge access?

Yes. Domestic lounge access is 8 visits a year, international is 2 visits a year. Check the bank's page for the current rules, because lounge programmes change.

Does applying through SkyloFin cost more?

No. You pay the same fees you would pay applying directly with HSBC India. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.

SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.

HSBC RuPay Cashback Credit CardJoining fee: ₹499 + GST

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