HSBC RuPay Cashback Credit Card
HSBC
Annual Fee
₹499
Joining Fee
₹499 + GST
Base Reward
1% cashback
Foreign Markup
0% Till 30th June 2026
Fee Waiver
Annual charges are waived on spends of ₹2 Lakh
Interest Rate
3.75% Per Month (45% Per Annum)
Welcome Benefits
Get ₹500 cashback on spending ₹10,000 within 30 days of logging in to the HSBC India Mobile Banking app. Receive a ₹100 Amazon eGift voucher when you apply online, complete video KYC, and get your card. Enjoy a 2-month complimentary EazyDiner membership on activation of the RuPay credit card.
Product Highlights
- 10% cashback on dining, food delivery, and grocery purchases
- 1% cashback on other eligible expenses, including UPI
- Complimentary international and domestic airport lounge access
Rewards
10% cashback on Dining, Food Delivery, and Grocery Spending. 1% cashback on Other Eligible Spends (Including UPI). Both Categories are Capped at ₹400.
Redemption
Cashback is Reflected in the Monthly Statement
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
dining | 10%(10% Cashback) | No cap |
grocery | 10%(10% Cashback) | No cap |
other | 1%(1% Cashback) | No cap |
Merchant-Specific Rewards
| Merchant | Reward | Context |
|---|---|---|
| Myntra | 12% off on spends of ₹4,000 or more(Max discount of ₹1,000 per transaction) | online |
| Paytm | 5% off on bill payments over ₹299(Max ₹150) | online |
| Cleartrip | Up to ₹6,000 off on flights and hotel bookings | online |
Benefits & Features
Domestic: 2 Free Visits Each Quarter International: 2 International Airport Lounge Access Each Year Complimentary international and domestic airport lounge access without any spending criteria.
Fees & Charges
Eligibility
Min Age
18 years
Max Age
65 years
Min Income (Salaried)
₹6,00,000
Available Networks
Pros & Cons
Pros
- Access to both domestic and international airport lounges without any spending requirements
- Low annual fee of ₹499 + GST
Cons
- The ₹400 cashback cap is quite low
Additional Info
The card is accepted in over 160 countries worldwide.
Zero foreign exchange markup charges for a limited time period.
Cashback capped at ₹400 per statement cycle for both categories.
Excluded Categories