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CASHBACK CARD

HSBC RuPay Cashback Credit Card

HSBC

Earns 10% cashback on dining, food delivery and grocery spends and 1% on other eligible spends, up to ₹400 a month in total. Can be linked to UPI apps.

No cashback on fuel, rent, utilities, insurance, education, government and other listed MCCs. Annual fee waived above ₹2,00,000 spend a year. 0% forex mark-up applies only until 31 December 2026.

HSBC RuPay Cashback Credit Card
ANNUAL FEE
Not stated
JOINING FEE
₹499
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
Earn 10% cashback on dining, food delivery and grocery spends.
BEST FOR
Included: May suit regular dining, food-delivery and grocery spenders who want to link a RuPay credit card to UPI apps.
Included: May suit people who spend regularly on dining, food delivery and groceries.
Included: May suit people who want to pay through UPI apps using a RuPay credit card.
Included: May suit people who travel and want limited complimentary lounge visits and 0% forex mark-up until 31 December 2026.
Limitation: Fuel, rent, utility, insurance or education spends, which earn no cashback may wish to compare other cards.
Limitation: Those people whose spends are mainly fuel, rent or utilities, which earn no cashback may wish to compare other cards.
Limitation: Those wanting a card with no joining fee may wish to compare other cards.
Limitation: Those applicants outside the listed cities or below the stated income and age criteria may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Cashback is credited on MCC categorisation as per the Service Guide; the bank's classification is final.
Condition: The 0% forex mark-up is stated only until 31 December 2026.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
18
Maximum age
65

Fees & ownership

Joining fee
₹499
Annual / renewal fee
Not stated
Fee waived at
More than ₹2,00,000 spend in a year
Forex markup
0%
Finance charge
Not stated
Cash withdrawal fee
Not stated
Late-payment charge
Not stated
Interest-free period
Not stated

Benefits & privileges

TRAVEL
Domestic airport lounge
2 visits per quarter — Up to 2 visits per quarter · Participating lounges listed at rupay.co.in/lounges; access terms in the T&Cs PDF.
International airport lounge
2 visits per year — Up to 2 visits per year · Participating lounges listed at loungekey.com/rupay; access terms in the T&Cs PDF.
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
RuPay network lounges (domestic); LoungeKey (international)
EVERYDAY
Fuel
Not stated
Dining
10% cashback on dining and food delivery (shared with grocery); 2-month EazyDiner membership on card activation.
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
Fuel, e-wallets, rent/property payments, B2B, education and government, insurance, jewellery, gambling, tolls, cash withdrawals, credit repayments, foreign currency, crypto, money transfers, wholesale clubs, utilities; Fuel, e-wallets, rent/property payments, B2B, education and government, insurance, jewellery, gambling, tolls, cash withdrawals, credit repayments, foreign currency, crypto, money transfers, wholesale clubs, utilities
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Not stated

Who this card may suit

MAY SUIT
Included: Earn 10% cashback on dining, food delivery and grocery spends.
Included: Link the card to HSBC SimplyPay and other UPI apps for payments by QR code, mobile number, virtual payment address or account number with IFSC code.
Included: Up to 2 complimentary domestic lounge visits per quarter and 2 international visits per year.
Included: 0% forex mark-up on transactions until 31 December 2026; ATMs and payments in over 160 countries via the JCB network.
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.