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Overview Eligibility Features & Benefits Fees & Charges Documents FAQs Terms & Conditions

Product Overview

HSBC Cashback RuPay

HSBC RuPay Cashback Credit Card is a cashback-focused credit card that combines the convenience of UPI payments through RuPay with cashback rewards on dining, grocery, food delivery, and everyday spending. It also offers domestic and international airport lounge access along with welcome benefits.

Great Rewards
Wide Acceptance
100% Digital & Secure

Eligibility Criteria

Applicant must be an Indian resident
Age: 18 to 65 years
Salaried or Self-Employed Individual
Minimum Annual Income: ₹6,00,000 (preferred eligibility benchmark)
Good CIBIL Score (750+ preferred)
Subject to HSBC's internal credit assessment policy

Features & Benefits

10% Cashback on Dining, Food Delivery & Grocery spends (subject to monthly cap)
1% Cashback on all other eligible spends, including UPI transactions
Welcome Benefit: ₹500 Cashback on eligible spending within 30 days of card issuance
��250 Amazon eGift Voucher on eligible online application and video KYC completion
��250 Cashback on linking the card to UPI and completing eligible transactions
Complimentary 2-month EazyDiner Membership
Up to 8 Domestic Airport Lounge Visits per Year (2 per quarter)
Up to 2 International Airport Lounge Visits per Year
UPI Integration through supported UPI apps

Fees & Charges

Joining Fee: ₹499 + GST
Annual Fee: ₹499 + GST
Joining Fee: ₹499 + GST
Annual Fee: ₹499 + GST
Annual Fee Waiver: On annual spends above ₹2,00,000
Finance Charges: Up to 3.75% per month (45% p.a.)
Forex Markup: 0% till 30 June 2026 under current offer terms
Late Payment Charges: As per HSBC policy

Documents Required

PAN Card (Mandatory)
Aadhaar Card / Passport / Driving Licence
Address Proof
Income Proof (Salary Slip / ITR / Form 16)
Bank Statements (Last 3–6 Months)
Passport-size Photograph (if required)

FAQs

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It offers 10% cashback on dining, grocery and food delivery spends, and 1% cashback on other eligible spends including UPI transactions.

Yes, the card can be linked to supported UPI apps for making payments directly through UPI.

Yes, it offers domestic and international airport lounge access benefits.

Yes, the annual fee can be waived upon achieving the required annual spending threshold.

Users who frequently spend on grocery, dining, food delivery, and UPI transactions and want cashback rewards.

Terms & Conditions

Cashback benefits are subject to monthly caps and eligible merchant categories.
UPI cashback is available only on eligible transactions.
Airport lounge access is subject to HSBC and partner program terms.
Approval is subject to HSBC's credit and risk assessment policies.
Offers, cashback rates, and fees may change as per HSBC guidelines. 

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Card At A Glance
Joining Fee ₹499 + GST
Annual Fee ₹499 + GST
Rewards 10% Cashback on Dining, Food Delivery & Grocery spends (subject to monthly cap)
Best For Shopping & Lifestyle
Network Visa / RuPay
Card Type HSBC BANK