The HSBC RuPay Cashback Credit Card offers up to 10% cashback on dining, food delivery, and groceries, capped at ₹400 monthly. This card also features a 0% foreign exchange markup until June 30, 2026, making IT suitable for international transactions in over 160 countries via the JCB network.
| Parameter | Details |
|---|---|
| Card Type | Cashback Credit Card |
| Card Network | RuPay (powered by JCB for international transactions) |
| Joining Fee | ₹499 + GST |
| Annual Fee | ₹499 + GST |
| Cashback on Dining, Food Delivery & Groceries | 10% (capped at ₹400 per month) |
| Cashback on Other Eligible Spends (including UPI) | 1% (capped at ₹400 per month) |
| Annual Cashback CAP | ₹4,800 |
| Foreign Exchange Markup Fee | 0% until June 30, 2026 (for international spends between July 15, 2025, and June 30, 2026) |
| Airport Lounge Access (Domestic) | 2 complimentary visits per quarter |
| Airport Lounge Access (International) | 2 complimentary visits per year |
| International Acceptance | 160+ countries and regions (via JCB network) |
| UPI Linkage | Supported for eligible spends and cashback earning |
| Welcome Offer (Mobile Banking App) | ₹500 cashback on spending ₹10,000 within 30 days of logging into HSBC India Mobile Banking app |
| Welcome Offer (UPI Linkage) | ₹250 cashback on linking card to UPI and making 2 transactions of ₹250+ within 30 days |
| EazyDiner Membership | 2-month complimentary membership on card activation |
The card’s cashback structure provides significant savings on everyday expenses, while the zero forex markup is a notable advantage for international travelers until mid-2026.
Cashback & Rewards Structure
The HSBC RuPay Cashback Credit Card offers 10% cashback on dining, food delivery, and grocery spending, with a monthly CAP of ₹400. All other eligible spends earn 1% cashback, also subject to the same monthly limit. This card provides specific welcome benefits for new users in 2026.
| Type/Category | Details | Key Feature |
|---|---|---|
| Dining, Food Delivery, and Grocery Spends | 10% cashback | Accelerated savings on food-related categories, including UPI transactions. Capped at ₹400 per month. |
| Other Eligible Spends | 1% cashback | Includes UPI transactions. Capped at ₹400 per month. |
| Welcome Offer (HSBC India Mobile Banking app) | ₹500 cashback | On downloading and logging into the app and spending ₹10,000 within 30 days of card issuance. |
| UPI Linkage Offer | ₹250 cashback | When linking the card to UPI and making 2 transactions of ₹250 or more within 30 days of card issuance. |
| Online Application Offer | ₹100 Amazon eGift Voucher | Upon applying online, completing video KYC, and receiving the card. |
| EazyDiner Membership | 2-months complimentary membership | On activation of the RuPay credit card. |
| Foreign Exchange Mark-up | 0% FX mark-up | On international transactions until June 30, 2026. |
| Cashback CAP | ₹400 per month | Maximum cashback earnings across all eligible categories, totaling ₹4,800 annually. |
| Ineligible Spending Categories | No cashback | Fuel, e-wallets, property management fees, rent, B2B transactions, education and government services, insurance, jewellery, cash withdrawals, credit repayments, foreign currency, and utilities. Applicable if card is activated between July 15, 2025, and March 31, 2026. |
| Cleartrip Offers (Valid till March 31, 2026) | Up to ₹6,000 off | 12% off up to ₹1,600 on domestic flights (min. ₹6,000), 10% off up to ₹6,000 on international flights (min. ₹15,000), 20% off up to ₹5,000 on hotels (min. ₹5,000). Use code HSBCRUPAY. |
| Domestic Lounge Access | Up to 2 complimentary visits per quarter | Access to select airport lounges within India. |
| International Lounge Access | 2 complimentary visits per year | Access to select international airport lounges. |
The card’s cashback structure prioritizes everyday spending on food and groceries, offering significant savings for users who frequently spend in these categories. The limited-time zero foreign exchange markup is a notable benefit for international travelers until mid-2026.
Fees, Charges & Eligibility
The HSBC RuPay Cashback Credit Card carries a joining fee of ₹499 + GST and an annual fee of ₹499 + GST. This annual fee can be waived if your yearly spending exceeds ₹2 lakh. For international transactions, the card offers 0% foreign exchange markup until June 30, 2026.
| Metric | Value | Source |
|---|---|---|
| Joining Fee | ₹499 + GST | HSBC RuPay Cashback Credit Card Review 2026 |
| Annual Fee | ₹499 + GST | HSBC RuPay Cashback Credit Card Review 2026 |
| Annual Fee Waiver | On spending more than ₹2 lakh in a year | HSBC RuPay Cashback Credit Card: Features, Benefits, Fees & Charges |
| Forex Mark-up Fee | 0% until 30 June 2026 | RuPay Credit Card UPI | Apply Online – HSBC IN |
| Interest Rate (Monthly) | 2.99% to 3.75% | HSBC Bank credit cards |
| Balance Transfer Rate (Annual) | 10.99% to 15.99% p.a. | HSBC Bank credit cards |
| Minimum Income (Salaried) | ₹6 LPA | HSBC RuPay Cashback Credit Card: Features, Benefit |
| Eligibility – Residency | Resident of India | HSBC RuPay Cashback Credit Card Review 2026 |
| Eligibility – Cities Served | Chennai, Gurgaon, Delhi NCR, Pune, Noida, Hyderabad, Mumbai, Bangalore, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad, Kolkata | HSBC RuPay Cashback Credit Card Review 2026 |
| Application Process | Online application, Video KYC (VKYC) | HSBC RuPay Cashback Credit Card Review 2026 |
| Required Documents | Salary slip, Aadhaar | HSBC RuPay Cashback Credit Card application date 24th July 2025 |
The card’s eligibility requires applicants to be residents of India and reside in specific cities where HSBC operates. The application process is streamlined through online channels and Video KYC.
Key Benefits & Features
The HSBC RuPay Cashback Credit Card offers targeted cashback and travel perks for Indian residents. Cardholders receive up to 2 complimentary domestic lounge visits per quarter and 2 international visits annually. A significant benefit is the zero foreign exchange markup on international spends until June 30, 2026.
- Cashback Structure: The card provides 10% cashback on dining, food delivery, and grocery spending, capped at ₹400 per month. All other eligible spends earn 1% cashback, including UPI transactions.
- Welcome Offers: New cardholders receive ₹500 cashback for spending ₹10,000 within 30 days of logging into the HSBC India Mobile Banking app. An additional ₹100 Amazon eGift voucher is given upon online application and video KYC completion.
- UPI Integration: The card supports UPI payments via apps like GPay, PhonePe, and HSBC SimplyPay, allowing quick and secure bill payments and money transfers. Linking the card to UPI and making two transactions of ₹250 or more within 30 days earns an additional ₹250 cashback.
- Lounge Access: Cardholders get up to 2 complimentary domestic lounge visits quarterly and 2 international lounge visits per year. This introductory lounge access offer is valid until December 31, 2026.
- International Acceptance: The HSBC RuPay Cashback Credit Card is accepted in over 160 countries and regions worldwide, powered by the JCB network. This enables global ATM withdrawals and payments.
- Zero Forex Markup: A promotional offer provides zero foreign exchange markup charges on international transactions made between July 15, 2025, and June 30, 2026. This can lead to significant savings for international travelers.
- Travel Discounts: Cardholders can avail 12% off (up to ₹1,600) on domestic flights with a minimum spend of ₹6,000, and 10% off (up to ₹6,000) on international flights with a minimum spend of ₹15,000, valid until March 31, 2026, using code HSBCRUPAY.
- Hotel Discounts: A 20% discount, up to ₹5,000, is available on hotel bookings with a minimum order value of ₹5,000, valid until March 31, 2026, using the code HSBCRUPAY.
These features position the HSBC RuPay Cashback Credit Card as a strong option for everyday spending and international travel, offering tangible savings and convenience.
How to Apply for the Card
Applying for the HSBC RuPay Cashback Credit Card is an entirely online process, typically completed via the HSBC India website. The application includes a mandatory Video KYC (VKYC) for identity verification, streamlining the approval process.
As of 2026, applicants must be Indian residents aged 18-65 years, residing in one of the 14 specified Indian cities where HSBC operates.
- Online Application Form: Begin by visiting the official HSBC India website and locating the HSBC RuPay Cashback Credit Card application page. Fill in personal details, contact information, and financial specifics accurately.
- Document Upload: Upload required documents digitally, which typically include a recent salary slip for income proof and an Aadhaar card for identity and address verification.
- Video KYC (VKYC): Complete the Video KYC process as part of the online application. This involves a live video interaction with an HSBC representative to verify your identity and submitted documents.
- Eligibility Check: HSBC assesses your application against criteria such as Indian residency, age (18-65 years), and a minimum annual income of ₹6 lakh for salaried individuals.
- City of Residence: Ensure your residential address is in one of the serviceable cities: Chennai, Gurgaon, Delhi NCR, Pune, Noida, Hyderabad, Mumbai, Bangalore, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad, or Kolkata.
- Application Submission: After completing all steps and uploading documents, submit your application. You will receive an application reference number for tracking.
- Approval and Issuance: Upon successful verification and approval, HSBC will issue the credit card. The card is typically dispatched to your registered address within a few business days.
- Card Activation: Activate your new HSBC RuPay Cashback Credit Card through the HSBC India Mobile Banking app or by calling customer service to start using its features and benefits.
The entire application, from submission to card issuance, is designed for digital convenience, often taking less than a month to complete.
HSBC RuPay Cashback vs Live+
The HSBC RuPay Cashback Credit Card and HSBC Live+ Credit Card offer distinct benefits for Indian consumers. The RuPay Cashback card provides 0% forex markup until June 30, 2026, and up to 2 complimentary international lounge visits per year, while the Live+ card focuses on higher cashback caps.
| Feature | HSBC RuPay Cashback Credit Card | HSBC Live+ Credit Card |
|---|---|---|
| Joining Fee | ₹499 + GST | ₹999 |
| Annual Fee | ₹499 + GST (waived on ₹2 lakh annual spend) | ₹999 (waived on ₹2 lakh annual spend) |
| Cashback on Dining, Food Delivery & Grocery | 10% (capped at ₹400/month) | 10% (capped at ₹1,000/month) |
| Cashback on Other Eligible Spends | 1% | 1.5% (online transactions), 1% (other transactions) |
| Monthly Cashback CAP | ₹400 | Up to ₹1,000 for dining/food delivery; 1.5% uncapped for other spends |
| Foreign Exchange Markup Charges | 0% (until June 30, 2026) | Not specified |
| Domestic Airport Lounge Access | 2 complimentary visits per quarter | 4 complimentary visits per year (1 per quarter) |
| International Airport Lounge Access | 2 complimentary visits per year | Not specified |
| Welcome Benefit (Mobile App & Spend) | ₹500 cashback on ₹10,000 spend within 30 days | ₹1,000 cashback on ₹20,000 spend within 30 days |
| Welcome Benefit (UPI Link & Transactions) | ₹250 cashback on 2 UPI transactions of ₹250+ | Not specified |
| EazyDiner Membership | 2-month complimentary membership | Not specified |
| Global Acceptance (via JCB network) | Over 160 countries and regions | Not specified |
The HSBC RuPay Cashback card is ideal for those prioritizing international travel benefits and UPI transactions, while the HSBC Live+ card offers higher cashback potential on dining and online spends for a slightly higher annual fee.
UPI Linkage & Transactions
The HSBC RuPay Cashback Credit Card offers full UPI integration, allowing users to make payments and send money securely via popular UPI apps. This feature extends the card’s utility beyond traditional swipe transactions, including for cashback earnings.
As of 2026, the card supports transactions on major UPI platforms, providing a seamless digital payment experience across India.
- UPI Integration: The HSBC RuPay Cashback Credit Card is fully integrated with UPI, enabling direct payments from your credit card account.
- Supported Apps: You can link your card to popular UPI applications like GPay, PhonePe, and HSBC SimplyPay for convenient transactions.
- Cashback on UPI: The card offers 1% cashback on eligible UPI transactions, contributing to the monthly cashback CAP of ₹400.
- Welcome Offer: New cardholders receive ₹250 cashback by linking their card to UPI and completing two transactions of ₹250 or more within 30 days of card issuance.
- Global Acceptance: While primarily for India, the RuPay network’s partnership with JCB allows international transactions in over 160 countries.
This UPI linkage the card’s everyday usability, making IT a versatile option for digital payments in India.
Maximizing Cashback & Savings
The HSBC RuPay Cashback Credit Card offers targeted cashback on daily spending, with a monthly CAP of ₹400. Cardholders can earn up to ₹4,800 in cashback annually by optimizing their spending categories. This card also provides zero foreign exchange markup until June 30, 2026, for international transactions.
- Utilize the 10% cashback on dining, food delivery, and grocery spending to reach the monthly CAP quickly.
- Ensure all other eligible spends, including UPI transactions, earn 1% cashback, contributing to the ₹400 monthly limit.
- Take advantage of the zero foreign exchange markup on international transactions until June 30, 2026, for overseas travel or purchases.
- Activate the card between July 15, 2025, and March 31, 2026, to qualify for welcome offers and benefits.
- Link the card to UPI apps like GPay or PhonePe and make two transactions of ₹250 or more within 30 days to receive ₹250 cashback.
- Spend ₹10,000 within 30 days of logging into the HSBC India Mobile Banking app to earn an additional ₹500 welcome cashback.
By strategically using the card for specific categories and meeting welcome offer criteria, cardholders can maximize their cashback and savings.
Key Takeaways
- The HSBC RuPay Cashback Credit Card provides 10% cashback on dining, food delivery, and groceries, capped at ₹400 monthly.
- Cardholders benefit from zero foreign exchange markup charges until June 30, 2026, for international transactions.
- Welcome offers include ₹500 cashback for spending ₹10,000 within 30 days and ₹250 for UPI transactions.
Review the card’s features and apply online at the official HSBC India website to start maximizing your savings.
Frequently Asked Questions (FAQs)
What are the key cashback benefits of the HSBC RuPay Cashback Credit Card in 2026?
The HSBC RuPay Cashback Credit Card offers 10% cashback on dining, food delivery, and grocery spending. You also earn 1% cashback on all other eligible spends, including UPI transactions. Total cashback is capped at ₹400 per month.
Does the HSBC RuPay Cashback Credit Card offer airport lounge access?
Yes, the HSBC RuPay Cashback Credit Card provides complimentary airport lounge access. You get up to 2 domestic lounge visits per quarter and 2 international lounge visits per year. This benefit travel convenience for cardholders.
What is the foreign exchange markup fee for the HSBC RuPay Cashback Credit Card in 2026?
The HSBC RuPay Cashback Credit Card features a 0% foreign exchange markup fee for international transactions. This offer is valid until June 30, 2026, providing significant savings for overseas spending or travel. After this period, standard forex charges may apply.
What welcome offers are available with the HSBC RuPay Cashback Credit Card in 2026?
New cardholders can receive ₹250 cashback by linking their card to UPI and making two transactions of ₹250 or more within 30 days. , you can get ₹500 cashback by downloading the HSBC India Mobile Banking app and spending ₹10,000 within 30 days of card issuance. An EazyDiner membership for two months is also included upon card activation.
Which spending categories are excluded from cashback on the HSBC RuPay Cashback Credit Card?
Several categories are ineligible for cashback, including fuel, e-wallets, property management fees, rent, education, government transactions, and insurance. Other exclusions are jewellery, cash withdrawals, credit repayments, and foreign currency transactions. This applies if the card is activated between July 15, 2025, and March 31, 2026.
What are the annual fees for the HSBC RuPay Cashback Credit Card?
The HSBC RuPay Cashback Credit Card has a joining fee and an annual fee of ₹499 plus GST. These fees are standard for this card offering. Always verify the latest fee structure with HSBC directly.
Can I use the HSBC RuPay Cashback Credit Card for UPI payments?
Yes, the HSBC RuPay Cashback Credit Card supports UPI transactions. You earn 1% cashback on eligible UPI spends, which contributes to your monthly cashback CAP of ₹400. This integration allows for convenient digital payments directly from your credit card.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.