HSBC RuPay Cashback Credit Card
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Cashback
1st Year Fee: ₹499* Plus Applicable Taxes
Cashback
Up to 10% cashback on card spends
Airport Lounge
Up to 10 free visits per year globally
Discounts
Discount offers on popular online platforms
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About HSBC RuPay Cashback Credit Card
HSBC RuPay Cashback Credit Card comes with up to 10% cashback on your spends, including UPI, with accelerated savings on food-related spending categories. The cashback is however capped for every month which might limit the savings for high spenders. Despite being a low annual fee card charging just Rs. 499 every year, it does not limit its benefits to just the cashback program. This HSBC credit card also covers multiple categories, including food and daily essentials, travel, beauty and skincare, and bills, through benefits like discount offers on popular platforms and complimentary lounge access.
This RuPay credit card is suitable for those looking for an affordable card option to save on their UPI spends and other lifestyle categories. This card offers cashback benefits which are quite similar to another HSBC offering – HSBC Live+ credit card. While Live+ charges a higher fee of Rs. 999 and comes with a base cashback rate of 1.5% and a much higher cashback capping, RuPay Cashback offers more extensive benefits across categories, including a higher number of free lounge visits and discounts on popular platforms.
Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit HSBC website.
Cashback Benefits
This HSBC RuPay credit card offers cashback on every card spend as follows:
- 10% Cashback: On dining, grocery and food delivery spends
- 1% Cashback: On other eligible spends1, including UPI transactions
- Capping: Cashback earnings are capped at Rs. 400 per month
Suggested Read: Best Cashback Credit Cards in India
Other Features & Benefits
- Welcome Benefits:
- 2 month EazyDiner membership on card activation2
- Rs. 500 cashback if you download and log in to HSBC India mobile banking app and spend Rs. 10,000 within 30 days of card issuance3
- Airport Lounge Access: 2 domestic lounge visits per quarter and 2 international lounge visits per year
- Forex Mark-up: Zero forex mark-up fee until 31 Dec 2025
- Annual Fee Waiver: On spending more than Rs. 2 lakh in a year
- Discount Benefits:
- Swiggy Instamart: 10% off, up to Rs. 200, on orders of min. Rs. 5004
- Tira: 10% off, up to Rs. 1,000, on orders of min. Rs. 2,4995
- Cleartrip: Up to Rs. 6,000 off on flights and hotels6
- Paytm: 5% off, up to Rs. 150, on spends of min. Rs. 299 on mobile, broadband, DTH, water bills, gas cylinders, piped gas bills, FASTag and electricity bills7
HSBC RuPay Cashback: Fees & Charges
| Particulars | Amount |
|---|---|
| Joining/Annual Fee | Rs. 499 + Applicable Taxes |
| Finance Charges | 3.75% per month (45% per annum) |
| Late Payments Fees | 100% of the Minimum Payment Due (MPD), subject to a min. of Rs. 250 and a max. of Rs. 1,200 per month |
Things to Know Before you apply
Get This Card If:
UPI is your preferred mode of payment and you want a low annual fee RuPay credit card to save on UPI transactions
You prefer to get value-back as direct cashback, instead of reward points, on your card spends
You are looking for a credit card with accelerated savings on dining, grocery and food delivery spends
Eligibility Criteria:
Age: 18 to 65 years
Min. Income: Rs. 4 LPA for salaried
Nationality: Indian resident from select cities
Paisabazaar Review
What do we like about this card?
HSBC RuPay Cashback Credit Card offers accelerated savings on food-related spends and decent base rate on other spends. The airport lounge access across the world and zero forex mark-up let you save on travel-related expenses. The discount offers on platforms like Swiggy Instamart, Tira, Cleartrip and Paytm can help you save on groceries and household items, beauty, travel, utility bills and recharges. Moreover, the low annual fee is quite affordable which also comes with a waiver condition which can be easily met by low spenders. This card covers most of the major spending categories through its benefits, allowing you to maximise your overall savings.
Pros
- Up to 10% savings on food-related spends
- Complimentary worldwide access to airport lounges
- Zero forex mark-up fee
- Discount offers on leading platforms for lifestyle-related spends
- Low annual fee with easily achievable fee waiver condition
Cons
- Low capping on monthly cashback earnings
- No cashback earnings on international spends even though no forex mark-up fee is charged
Frequently Asked Questions
Everything you need to know about this credit card
Yes, you can use HSBC RuPay credit cards for international transactions in approximately 160 countries and regions worldwide under the JCB network.
HSBC SimplyPay is a mobile application that allows you to make UPI payments and pay bills. You can link your resident account and HSBC RuPay credit card to the app to make the payments.
All foreign currency transactions are excluded from cashback benefits offered by HSBC Cashback RuPay Credit Card. However, this card currently does not charge any forex mark-up fee on such transactions.
Yes, HSBC Cashback RuPay credit cardholders will earn cashback on all their UPI transactions, except on the excluded spending categories.
With EazyDiner Prime membership, you can get up to Rs. 3,000 savings with 25% to 50% off at premium bars/restaurants. You can also get priority reservations at premium restaurants, earn 2X EazyPoints redeemable for dining bills, and get access to dedicated VIP EazyDiner Prime Concierge.
Footnotes
- The following spending categories are ineligible for cashback: fuel, e-wallets, property management fees, rent, b2b transactions, education and govt., insurance, jewellery and antique items, cash withdrawals, credit repayments, foreign currency, liquid and cryptocurrency assets, security broker services, collection agencies, charity, money transfers, wholesale clubs and utilities.
- Applicable if card is activated between 15 July 2025 and 31 Dec 2025
- Applicable till 31 Dec 2025
- Applicable once a month using code: HSBCRUPAY, till 31 Dec 2025
- Applicable on select products once a month on Wednesdays, till 31 Dec 2025
- 12% off up to Rs. 1,600 (MOV Rs. 6,000) on domestic flights, 10% off up to Rs. 6,000 (MOV Rs. 15,000) on international flights and 20% off up to Rs. 5,000 (MOV Rs. 5,000) on hotels, till 31 Dec 2025
- Applicable once using code: HSBC150, till 31 July 2025
Click here to know More Terms and Conditions
Lepakshi Phogat
Lepakshi is a content writer specialising in personal finance and credit cards. She translates complex financial concepts into practical advice, helping readers make informed financial decisions. Whether it is helping them choose the right credit card or offering strategies to build their credit score, she writes to make personal finance less intimidating and more empowering.
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