
HSBC RuPay Cashback Credit Card

Key Highlights of HSBC RuPay Cashback Credit Card
The key highlights of the HSBC Bank RuPay Cashback Credit Card are as follows:
Best for | Cashback |
---|---|
Joining Fee | Rs. 499 |
Annual Fee | Rs. 499 |
Welcome Benefits |
|
Cashback |
|
Annual Income | At least Rs. 4 Lakhs |
Age | 18 to 65 years |
Features & Benefits of HSBC RuPay Cashback Credit Card
Welcome Benefit
- Rs. 500 cashback on downloading and logging in to the HSBC India Mobile Banking app and spending Rs. 10,000 within the first 30 days of getting the card.
- Rs. 250 Amazon eGift Voucher on applying online, verifying yourself by video and receive your card.
- 2-month EazyDiner Prime membership on card activation with guaranteed 25% to 50% discount at premium bars & restaurants, priority reservations at premium restaurants, 2x EazyPoints, and dedicated VIP EazyDiner Prime Concierge line 7861004400.
Complimentary Airport Lounge Visits
- Up to 2 complimentary domestic airport lounge visits per quarter.
- Up to 2 international airport lounge visits per year.
Cashback
- 10% cashback on dining, food delivery and grocery spending.
- 1% cashback on all other eligible spends.
- Maximum benefit of up to Rs. 400 on your spending every month, in store and online.
Swiggy Instamart Offer
- 10% off on on grocery deliveries via Swiggy Instamart
- Order value should be at least Rs. 500 and above.
- Maximum discount available is Rs. 200.
- Use coupon code HSBCRUPAY to avail the offer.
- Offer applicable once per user per month.
Tira Offer
- Save 10% on orders of Rs. 2,499 or more on Tira.
- Maximum discount available is Rs. 1,000.
- Offer valid once per card per user per calendar month on every Wednesday.
- Offer is valid at selected items only.
Paytm Offer
- 5% off on transactions of Rs. 299 or more on prepaid and postpaid mobile, broadband, DTH, gas cylinders, water, piped gas, FASTag, and electricity bills.
- Maximum discount available is Rs. 150.
- Use promo code HSBCRUPAY to avail the offer.
- Offer is valid only on select categories once per card during the Offer Period.
Cleartrip Offer
- 12% (up to Rs. 1,600) off on domestic flights via Cleartrip (minimum transaction value of Rs. 6,000).
- 10% (up to Rs. 6,000) off on international flights via Cleartrip (minimum transaction value of Rs. 15,000).
- 20% (up to Rs. 5,000) off on domestic and international hotels via Cleartrip (minimum transaction value of Rs. 5,000).
- Use coupon code HSBCRPCC for full swipe transactions.
- Use coupon code HSBCRPEMI for EMI transactions.
Other Benefits
- 0% forex mark-up on your transactions abroad until 31 December 2025.
- Easy direct payments by linking your credit card to UPI apps.
- You can use your cards at ATMs and make payments in 160+ countries and regions across the world, powered by the JCB network.
Joining & Annual Fees
- Joining fee: Rs. 499.
- Annual fee: Rs. 499; Waived on spending more than Rs. 2,00,000 per year.
HSBC RuPay Cashback Credit Card Fees & Charges
The following are the fees and charges associated with the HSBC Bank RuPay Cashback Card:
- Joining fee: Rs. 499.
- Annual fee: Rs. 499; Waived on spending more than Rs. 2,00,000 per year.
- Joining fee for add-on cardholders: NIL.
- Cash advance fee: 2.5% of the transaction amount (minimum Rs. 500).
- Finance charges on extended credit & cash advances: 3.75% p.m. (45% p.a.).
- Late payment fee: 100% of the minimum payment due (minimum Rs. 250 & maximum Rs. 1,200 p.m.).
- Foreign currency transaction charges: 3.5% of foreign currency transactions.
- Cash payment charge at HSBC branches & dropboxes): Rs. 100.
- Bounced cheque/ dishonoured SI/ unsuccessful NACH payment: Rs. 500.
- Charges for rental & related payments: 1% processing fee + applicable taxes.
- Transaction fee for cash advances at branches & ATMs: 2.5% of the transaction amount (minimum Rs. 500).
- Transaction fee for cash withdrawal: Rs. 100 at ATMs overseas.
- Overlimit fee: 2.5% of the overlimit amount or Rs. 500 (whichever is higher) + GST.
- Balance transfer charges: 0.99% p.a. to 15.99% p.a. Interest rate & 1.5% (minimum Rs. 200) processing fee
HSBC RuPay Cashback Credit Card Eligibility Criteria
You can apply for an HSBC RuPay Cashback Credit Card by meeting the following eligibility criteria:
- You must be a resident of India.
- You must be aged between 18 to 65 years.
- Your income must be a minimum of Rs. 4 Lakhs per annum (if salaried individuals).
- You must reside in Delhi, National Capital Region (NCR), Noida, Bangalore, Chennai, Gurgaon, Hyderabad, Mumbai, Pune, Kochi, Ahmedabad, Coimbatore, Jaipur, Chandigarh, or Kolkata.
How to Apply for HSBC RuPay Cashback Credit Card
You can apply for the HSBC RuPay Cashback Credit Card online on their website or offline by visiting the nearby HSBC branch.
For instant and easy processing of your credit card application, you can apply online from our platform.
- Click on the "Apply Now" button.
- You will be redirected to the HSBC Bank website.
- Fill in the required details and submit.
FAQs
You can earn 10% cashback on dining, food delivery & grocery spending, and 1% cashback on all other eligible spends.
The annual fee for the HSBC Rupay Cashback Credit Card is Rs. 499, which can be waived on spending more than Rs. 2 Lakhs per year.
Yes, the HSBC Rupay Cashback Credit Card offers the following welcome benefits:
- Rs. 500 cashback on downloading and logging in to the HSBC India Mobile Banking app and spending Rs. 10,000 within the first 30 days of getting the card.
- Rs. 250 Amazon eGift Voucher on applying online, verifying yourself by video, and receiving your card.
- 2-month EazyDiner Prime membership on card activation with guaranteed 25% to 50% discount at premium bars & restaurants, priority reservations at premium restaurants, 2x EazyPoints, and dedicated VIP EazyDiner Prime Concierge line 7861004400.
No, the HSBC Rupay Cashback Credit Card is not a lifetime free credit card. It involves a joining and annual fee of Rs. 499.
The interest rate on the HSBC RuPay Cashback Credit Card is 3.75% per month (45% p.a.).
Yes, you can use the HSBC RuPay Cashback Card for international transactions in 160+ countries and regions through the JCB network.