At a Glance
Key Benefits
Cashback rewards
Lounge Access
No lounge access
Eligibility
Any income level, Age: 21-60 years
Quick Details
Annual Fee
₹750
#158
Joining Fee
₹750
#158
Forex Markup
3.50%
#75
Rewards/₹100
₹1.50 - ₹5.00
#49
Reward Type Cashback
Reward Currency Cashback
Min Monthly Income ₹NaN
Network VISA
forex_markup 3.50%
fuel_surcharge_waiver 1.00%
Fee Waiver on Spend ₹1,50,000/yr
Reward Structure
Accel
Online Shopping
₹1.25 /₹100
Accel
Entertainment & Dining
₹0.63 /₹100
Base
All Other Spends
₹0.38 /₹100
Reward Calculator
₹
Allocate by Category 100%
Your Rewards
Points Earned 0
Cash Value ₹0
Breakdown
Quick amounts:
Insurance Coverage
Lost Card
₹0
Zero liability for lost card transactions when reported within 3 days.
Fraud
₹0
Zero liability for unauthorized transactions.
Quick Analysis
The HSBC Cashback stands out with its impressive reward structure offering up to ₹5.00 per ₹100. The ₹750 annual fee is justified if you spend enough to maximize rewards. Recommended for those who can align their spending with bonus categories.
Pros
- Annual fee waiver on spending ₹150000
- Good reward rate of up to ₹5.00 per ₹100
- Direct cashback instead of points - no redemption hassle
Cons
- Reward rates vary significantly across categories
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High income requirement of ₹480K per month
Best For
Cashback seekers wanting high returns on online shopping and dining
Frequently Asked Questions
What are the fees for HSBC Cashback Credit Card?
The HSBC Cashback Credit Card has a joining fee of Rs 750 and annual fee of Rs 750. The annual fee can be waived on spending Rs 150,000 in the previous year.
What is the eligibility criteria for HSBC Cashback Credit Card?
To be eligible for the HSBC Cashback Credit Card, you need a minimum monthly income of varies based on profile, age between 21-60 years, and a credit score of 700+. HSBC customers with existing relationships may get preferential treatment.
What rewards does HSBC Cashback Credit Card offer?
The HSBC Cashback Credit Card offers cashback rewards on your spending. The exact cashback percentage varies by category. Check the card benefits section for detailed cashback rates on different spending categories.
Does HSBC Cashback Credit Card offer airport lounge access?
The HSBC Cashback Credit Card may provide limited or no complimentary lounge access. Please check with HSBC for the latest lounge access benefits.
How can I apply for HSBC Cashback Credit Card?
You can apply for the HSBC Cashback Credit Card through HSBC official website, mobile app, or by visiting your nearest HSBC branch. Existing customers can also apply through net banking.
User Reviews
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