HSBC Bank
RuPay Cashback Credit Card
SimplifyCards take:A good fit if you want a card built for RuPay, UPI, and dining, and you want your rewards as simple, no-tracking cashback
✓
Best for simple cashbackBest for
10% Cashback on dining, food delivery, and grocery spends, auto-credited with no points to manage
!
Avoid for heavy international useWatch out
A 3.5% forex markup is on the higher side for overseas spends
✦
Good fit if you want a card built for RuPay, UPI, and dining, and you want your rewards as simple, no-tracking cashbackBottom line
It combines complimentary airport lounge access and accelerated rewards on dining, food delivery, and grocery spends
Estimate your Cashback
Adjust your monthly spend to see the card's estimated annual value
How the card works
Cashback rates
| Category | Rate | Monthly cap |
|---|---|---|
| Dining, Food Delivery, And Grocery Spends | 10% Cashback | 400 Cashback |
| Other Spends | 1% Cashback | - |
Redemption
Statement balanceupto ₹ 1 per point
Important conditions
1
Domestic lounge8 visits per year
- 8 complimentary domestic lounge visits per year (max 2 per calendar quarter)
2
International lounge2 visits per year
- 2 complimentary international lounge visits per calendar year
3
Fee waiverRenewal fee waived on annual spends of ₹ 2 lakh
Benefits and fine print
Welcome, renewal, and other listed benefits
Joining benefits
- ₹500 cashback after logging into the HSBC India app and spending ₹10,000 within the first 30 days
- ₹250 Amazon eGift Voucher for online application and video KYC completion
- 2-month EazyDiner membership on RuPay card activation
Additional benefits
- Link card to UPI apps for scan-and-pay transactions
- Paytm, Cleartrip, RuPay, and JCB network offers as per program terms
Additional details
- Qualified annual spend of ₹2 Lakhs waives the renewal fee of ₹499
- Cashback is capped at ₹400 per month across dining, food delivery, and grocery categories combined
Eligibility
Check this before you apply
Salaried
- Age 18 to 65 years
- Resident of India
- Minimum monthly income of ₹50,000 (₹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 ₹12 Lakhs
- Reside in an eligible service city listed by HSBC
Exclusions
Spending that does not earn cashback
- 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
Featured in our guides
Category shortlists where this card appears in the top picks
Best Cashback Credit Cards in India
For people who prefer simple value back instead of managing points, miles, or voucher-heavy rewards
Compare before you decide
Alternatives based on what you might want instead