SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for dining, food delivery, and grocery, and you want your rewards as simple, no-tracking cashback.
Why it can work
It combines complimentary airport lounge access and accelerated rewards on dining, food delivery, and grocery spends.
Where value may drop
The renewal fee is waived only on Rs 2 lakh of annual spend. Fuel, rent, and insurance don't earn rewards. Monthly reward caps apply on the top categories.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many cashback you earn and what they are worth.
How you earn it
| Category | Monthly spend | cashback/yr |
|---|---|---|
| Dining & food delivery | Rs 4,000 | 4,800 |
| Groceries | Rs 5,000 | 6,000 |
| Other spends | Rs 8,000 | 1,440 |
Estimates only. Reward rates, caps, and redemption values follow each bank's current terms and can change.
Best for / avoid if
Who this card suits — and who should skip it.
Best for simple cashback
10% Cashback on dining, food delivery, and grocery spends, auto-credited with no points to manage.
Best for airport lounge access
4 complimentary lounge visits a year across domestic and international.
Avoid for heavy international use
A 3.5% forex markup is on the higher side for overseas spends.
Avoid if you spend big on fuel, rent, and insurance
These categories are excluded and won't earn rewards.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate | Monthly cap |
|---|---|---|
| Dining, Food Delivery, and Grocery spends | 10% Cashback | 1,000 cashback |
| Other spends | 1.5% Cashback | - |
Redemption
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- 4 complimentary domestic airport lounge visits per year (1 per calendar quarter).
Exclusions
Categories that earn no rewards on this card.
- Utility bill payments
- Fuel-related transactions
- Rental payments and commissions
- Insurance premium payments
- EMI transactions
- Government-related payments
- Educational spends
- Jewellery purchases
- Wallet loading transactions
- Cash advances
Benefits and fine print
Welcome, renewal, and other listed benefits.
Joining benefits
- Rs 1,000 cashback after logging into the HSBC India app and spending Rs 20,000 within the first 30 days
- Voucher worth up to Rs 500 for Amazon Pay, Zomato, and Swiggy on card activation with a single transaction of Rs 300 or more
Additional benefits
- Times Prime annual membership on card activation (Visa Signature offer)
- District by Zomato dining and movie offers, subject to terms
- Complimentary domestic flight seat selection twice a year on bookings via MakeMyTrip
Additional details
- Cashback is credited as statement credit within 45 days of the statement date
- Qualified annual spend of Rs 2 Lakhs waives the renewal fee of Rs 999
Eligibility
Check this before you apply.
Salaried
- Age 18 to 65 years
- Resident of India
- Minimum monthly income of Rs 50,000 (Rs 6 Lakhs per annum)
- Reside in an eligible service city listed by HSBC
Self-employed
- Age 25 to 65 years
- Resident of India
- Minimum annual income of Rs 12 Lakhs
- Reside in an eligible service city listed by HSBC
Compare before you decide
Alternatives based on what you might want instead.
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Fibe Axis Bank Credit Card
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