HSBC Cashback RuPay

Product Overview

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.

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 and 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

✔️ 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

Q1. What cashback does HSBC RuPay Cashback Credit Card offer?
Ans. It offers 10% cashback on dining, grocery and food delivery spends, and 1% cashback on other eligible spends including UPI transactions.

Q2. Can I use this card on UPI?
Ans. Yes, the card can be linked to supported UPI apps for making payments directly through UPI.

Q3. Does the card provide airport lounge access?
Ans. Yes, it offers domestic and international airport lounge access benefits.

Q4. Is there an annual fee waiver?
Ans. Yes, the annual fee can be waived upon achieving the required annual spending threshold.

Q5. Who should apply for this card?
Ans. 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.