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HSBC India
HSBC RuPay Cashback Credit Card
RuPay
HSBC RuPay Cashback Credit Card
A low-fee RuPay cashback card built for everyday UPI-linked spend — simple, automatic cashback with no point-value math, but nothing that stands out against dedicated cashback cards from bigger issuers.
Rates and fees last verified 15 July 2026.
Annual fee
₹499
Joining fee
₹0
Reward type
cashback
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Benefits by category
- 🛍️ Shopping
2% reward rate
- 🧾 Utilities
2% reward rate
- ⛽ Fuel
1% fuel surcharge waiver, capped ₹250/month
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 680
- Minimum monthly income: ₹30,000
- Employment: salaried, self-employed
- Age: 18–65
Benefits
- 2% cashback on online spends and utility bill payments, 1% on everything else
- 1% fuel surcharge waiver, capped ₹250/month
Pros
- + Simple, automatic cashback, no redemption hassle
- + RuPay UPI-linked credit line support
- + Modest ₹499 fee with a spend-based waiver
Cons
- − 2% cap categories are unremarkable next to top cashback cards
- − Standard 3.5% forex markup
- − No lounge or travel benefit