All cards / HSBC India
HSBC RuPay Cashback Credit Card
A low-fee RuPay cashback card built for everyday UPI-linked spend — 10% cashback on dining, food delivery and groceries (capped at ₹400 a month), 1% elsewhere, plus a handful of lounge visits, with no point-value math.
Annual fee
₹499
Joining fee
₹499
Reward type
cashback
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 680+ whose spend is concentrated in online shopping, utilities. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
- Domestic lounge access: Up to 2 complimentary domestic lounge visits per quarter
- International lounge access: 2 complimentary international lounge visits per year
Benefits by category
- 🍽️ Dining & food delivery
10% reward rate (capped ₹400/monthly) · 10% cashback on dining, food delivery and grocery spends (up to ₹400 a month in total) and 1% cashback on all other eligible spends
- 🛒 Groceries
10% reward rate (capped ₹400/monthly)
- ✈️ Travel
Up to 2 complimentary domestic lounge visits per quarter and 2 international visits per year
- ⛽ Fuel
1% fuel surcharge waiver, capped ₹250/month
- 🌍 Forex / international spend
0% forex mark-up promotional offer on international transactions until 31 December 2026 (standard 3.5% thereafter) · 3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 680
- Minimum monthly income: ₹30,000
- Employment: salaried, self-employed
- Age: 18–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹2,00,000
- Foreign currency markup: 3.5%
- Interest rate: 40.2% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waived on transactions between ₹400 and ₹4,000, capped at ₹250/month
- Cash advance charges: 2.5% of the withdrawn amount or ₹300, whichever is higher; interest accrues from the date of withdrawal
Benefits
- 10% cashback on dining, food delivery and grocery spends (up to ₹400 a month in total) and 1% cashback on all other eligible spends
- Up to 2 complimentary domestic lounge visits per quarter and 2 international visits per year
- 1% fuel surcharge waiver, capped ₹250/month
- 0% forex mark-up promotional offer on international transactions until 31 December 2026 (standard 3.5% thereafter)
Pros
- + 10% cashback on dining, food delivery and groceries
- + Simple, automatic cashback, no redemption hassle
- + RuPay UPI-linked credit line support
- + Lounge access: 2 domestic visits a quarter plus 2 international a year
- + Modest ₹499 fee with a spend-based waiver
Cons
- − The 10% cashback is capped at ₹400 a month in total
- − Only 1% cashback on everything outside dining, delivery and groceries
- − Standard 3.5% forex markup (0% only as a limited-period promotion)
Best for