The HSBC RuPay Cashback Credit Card is a cashback-focused credit card issued on the RuPay network. It offers cardholders the ability to earn cashback on their everyday purchases, with accelerated rates on dining, grocery, and food delivery transactions.

• Joining fee: ₹499 + GST
• Annual fee: ₹499 + GST (waived on ₹2 lakh annual spend)
• 10% cashback on dining, grocery, and food delivery
• 1% cashback on all other eligible spends (including UPI)
• Cashback capped at ₹400 per statement cycle
• Complimentary domestic and international lounge access
• 0% forex markup until December 31, 2025

Earn 10% cashback on dining, food delivery, and grocery purchases. For all other eligible spends, including UPI transactions, you earn 1% cashback. The combined cashback across all categories is capped at ₹400 per statement cycle.

Airport Lounge Access

Get 2 complimentary domestic lounge visits each quarter and 2 international lounge visits per year. This benefit is provided without any spending criteria, making it exceptional value at the ₹499 annual fee.

UPI Integration

Link your card to UPI apps like HSBC SimplyPay, Google Pay, and other third-party apps for instant, convenient payments with cashback rewards on UPI spends.

Zero Forex Markup

Save on international transactions with 0% foreign exchange markup charges until December 31, 2025.

• ₹500 cashback when you download and log in to HSBC India Mobile Banking app and spend ₹10,000 within first 30 days
• ₹250 Amazon eGift Voucher on completing Video KYC and receiving your card
• 2-month complimentary EazyDiner membership on card activation

Milestone Rewards

• Annual fee waiver on spending ₹2,00,000 in the year
• Cashback earnings throughout the year (capped at ₹400 per month)

The HSBC RuPay Cashback Credit Card provides complimentary airport lounge access both domestically and internationally.

Domestic Lounge Access

• 2 complimentary visits per quarter
• Access to domestic airport lounges across India
• No spending criteria required

International Lounge Access

• 2 complimentary visits per year
• Access to international airport lounges worldwide
• No spending criteria required

For a list of participating lounges, please refer to the lounge list document provided by HSBC.

The HSBC RuPay Cashback Credit Card operates on a simple cashback model rather than a points-based rewards program.

• 10% cashback on dining, food delivery, and grocery spending
• 1% cashback on all other eligible spends (including UPI transactions)
• Combined cashback capped at ₹400 per statement cycle
• Cashback reflected directly in your monthly statement

Excluded Categories

Cashback is not earned on: Fuel, e-wallets, rent payments, EMI, insurance, jewellery, gambling, utilities, government payments, cash advances, and other restricted categories as per bank terms.

Redemption

Cashback is automatically credited to your statement each month. No manual redemption required.

• Minimum age: 18 years
• Maximum age: 65 years

Income Requirement

• Salaried individuals: Minimum ₹6,00,000 per annum

Residential Requirement

• Must be an Indian resident
• Must reside in select cities: Chennai, Gurgaon, Delhi NCR, Pune, Noida, Hyderabad, Mumbai, Bengaluru, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad, Kolkata, Amritsar, Baroda, Indore, or Lucknow

Credit Score

• Recommended minimum CIBIL score: 700+

• Last 3 months salary slips
• Last 2 years IT Returns with computation
• Form 16 for last 2 years

Identity Proof (any one)

• PAN Card (mandatory)
• Aadhaar Card
• Passport
• Voter ID
• Driving License

Address Proof (any one)

• Aadhaar Card
• Passport
• Utility bill (not older than 3 months)
• Bank statement

1. Visit the HSBC India website credit cards section
2. Select the RuPay Cashback Credit Card
3. Click on "Apply Now"
4. Fill in your personal and income details
5. Complete Video KYC (VKYC) verification
6. Submit required documents
7. Receive card within 7-10 working days upon approval

Welcome Offers for Online Applications

• ₹500 cashback on spending ₹10,000 within 30 days of logging into HSBC Mobile Banking app
• ₹250 Amazon eGift Voucher on completing VKYC and card issuance
• 2-month EazyDiner membership

The HSBC RuPay Cashback Credit Card is an excellent choice for entry-level cardholders and those seeking a simple, straightforward cashback card for everyday dining and grocery expenses. With an affordable ₹499 annual fee (waived on ₹2 lakh spend), the card offers exceptional value through its complimentary lounge access benefit alone.

The 10% cashback on dining, food delivery, and grocery spending makes it ideal for urban consumers who frequently order food or shop for groceries. The UPI integration adds modern convenience, allowing instant payments with cashback rewards. However, the ₹400 monthly cashback cap means high spenders may find better value elsewhere.

Best suited for: First-time credit card users, moderate spenders focused on dining/grocery categories, UPI enthusiasts, and those seeking affordable airport lounge access.