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HSBC Cashback Credit Card

MyRupaya Ratings
average rating is 3 out of 5

MyRupaya Ratings

Product Details
Credit Card Name : 

HSBC Cashback Credit Card

Bank Name :

HSBC Bank

Type :

Cashback Credit Card

Interest Rate : 

3.49% per month (41.88% annually)

Eligibility :

You must be aged between 18 to 65
Your annual income must be at least INR400,000 per annum (for salaried individuals)
You must be an Indian resident
You must reside in any of the following cities: Bangalore, Chennai, Gurgaon, Hyderabad, Mumbai, New Delhi, Noida, Pune

HSBC Cashback Credit Card
Pros

  • Reward System: 10% cashback on all dining, food delivery and grocery spends (capped at up to INR1,000 per billing cycle). 1.5% unlimited cashback on all other spends.

  • 4 complimentary domestic lounge visits per year (1 per quarter). 

  • Annual membership fee waiver option available. Customers can also avail monthly cashback offers like- - 5% discount on spending INR1,000 or above - Flat INR50 off on post-paid utility payment of INR500 from amazon pay. 

  • EazyDiner offer- 30% instant discount up to INR600. 

  • Flat 10% discount up to INR100 on Blinkit. 

  • Flat 10% savings up to INR150 on ordering prescribed medicines on PharmEasy. 

  • Additional Benefits like- 1. Zero card lost liability. 2. Emergency Card replacement. 3. Insurance benefits. 4. Globally accepted card.

Cons

  • It only provides cashback offers and no reward point benefits. 

  • No international lounge access facility available. 

  • Welcome bonus can only availed on fulfilling a minimum transaction limit in 30 days

Pros & Cons
Welcome Benefits

Make transactions of a minimum of INR 10000 within first 30 days to get Amazon vouchers (worth INR1000).

Rewards System

  • 10% cashback on all dining, food delivery and grocery spends (capped at up to INR1,000 per billing cycle).

  • 1.5% unlimited cashback on all other spends.

International Forex Markup
3.5% + GST on all foreign currency spends
Welcome Benefits and Reward System
Special Features
10% accelerated cashback on all dining, food delivery and grocery spends
Eligibility Criteria

You must be aged between 18 to 65
Your annual income must be at least INR400,000 per annum (for salaried individuals)
You must be an Indian resident
You must reside in any of the following cities: Bangalore, Chennai, Gurgaon, Hyderabad, Mumbai, New Delhi, Noida, Pune

Benefits
10% accelerated cashback on all dining, food delivery and grocery spends (capped up to INR1,000 per billing cycle) 1.5% unlimited cashback on all other spends. 4 complimentary domestic lounge visits per year (1 per quarter). Annual membership fee waiver option available. Customers can also avail monthly cashback offers like- - 5% discount on spending INR1,000 or above - Flat INR50 off on post-paid utility payment of INR500 from amazon pay. - EazyDiner offer- 30% instant discount up to INR600. - Flat 10% discount up to INR100 on Blinkit. - Flat 10% savings up to INR150 on ordering prescribed medicines on PharmEasy. Additional Benefits like- 1. Zero card lost liability. 2. Emergency Card replacement. 3. Insurance benefits. 4. Globally accepted card.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Online: Visit the HSBC India website. Click on the "Credit Cards" tab. Click on the "Apply Now" button for the HSBC Cashback Credit Card. Fill in the application form with your basic details, such as your name, PAN number, date of birth, father's name, occupation type, company name, marital status, and address details. Submit your application. A representative from HSBC will call you to complete the KYC process. Required documents: PAN card Aadhaar card Income proof (salary slip or Form 16 for salaried individuals, and income tax returns for self-employed individuals)
Contact Details

HSBC Personal Banking / Credit Cards 1800 267 3456 1800 121 2208

Account Opening and Procedure

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Recommended Credit Cards

Pros:-

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Cons:-

  • Reward System: 10% cashback on all dining, food delivery and grocery spends (capped at up to INR1,000 per billing cycle). 1.5% unlimited cashback on all other spends.

  • 4 complimentary domestic lounge visits per year (1 per quarter). 

  • Annual membership fee waiver option available. Customers can also avail monthly cashback offers like- - 5% discount on spending INR1,000 or above - Flat INR50 off on post-paid utility payment of INR500 from amazon pay. 

  • EazyDiner offer- 30% instant discount up to INR600. 

  • Flat 10% discount up to INR100 on Blinkit. 

  • Flat 10% savings up to INR150 on ordering prescribed medicines on PharmEasy. 

  • Additional Benefits like- 1. Zero card lost liability. 2. Emergency Card replacement. 3. Insurance benefits. 4. Globally accepted card.

  • It only provides cashback offers and no reward point benefits. 

  • No international lounge access facility available. 

  • Welcome bonus can only availed on fulfilling a minimum transaction limit in 30 days

The HSBC Cashback Credit Card shines for its high cashback rates, especially on everyday food and grocery spends, lack of joining fee, and annual fee waiver with moderate spending. The complimentary lounge access adds further value for frequent travelers. However, keep in mind the monthly caps on the 10% cashback and limited partner offers.

HSBC Cashback Credit Card

Abhijeet Saxena

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

Product Review
Fees & Charges

  • Joining Fee-NIL, 

  • Annual Fee-INR 999 + GST 

  • Cash advance fee: 2.5% of the cash withdrawn or Rs 500. (Whichever is higher) 

  • Interest Rates: 3.49% per month (41.88% per annum) 

  • Late payment fee (Charged if minimum amount due does not reach HSBC within 3 days of payment due date- Subject to a minimum of `250 and a maximum of `1,200 per month 

  • Foreign Currency Transactions Fees: 3.5%. 

  • Reward Redemption Fees: NIL

Fuel Surcharge
N.A
Billing Cycle

30 Days

Fees & Charges
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