Card Details
HSBC RuPay Cashback Credit Card
Monzy Score
8.5/ 10
Excellent for diners and foodies.
Strong ~10% back in its core category; high 3.5% forex markup.
Card Issuer
HSBC
Joining Fee
₹499
Annual Fee
₹499
Reward Type
Cashback
Card Access
Standard
Changes to this card
Offers from HSBC
See allEarn Points
10%
Cashback on dining & food delivery spends (shared ₹400 monthly cap)
10%
Cashback on grocery spends (shared ₹400 monthly cap)
1%
Cashback on other eligible domestic spends (within ₹400 monthly cap)
Benefits
10% cashback on dining, groceries and food…
- High everyday cashback
- 10% cashback on dining, food delivery and grocery spends
- 1% cashback on other eligible domestic spends
- Overall cashback capped at ₹400 per calendar month
- Extensive MCC exclusions (fuel, rent, wallets, utilities, etc.) apply
- No cashback on international spends per CardInsider
Complimentary domestic and international lounge…
- Travel comforts on a ₹499 card
- 8 complimentary domestic lounge visits each year (2 per quarter)
- 2 complimentary international lounge visits annually through JCB LoungeKey
- Limited-period 0% forex markup offer through 31 Jul 2026
- Lounge access limited to RuPay/JCB partner airports
- Forex waiver is promotional and may change after 31 Jul 2026
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: fuel, rent, wallet
Estimated Returns
Dining, Groceries & Food Delivery
10% cashback (online & offline); shares combined Rs.400/month cap with 1% category
₹242
All other spends (incl UPI)
1% cashback; combined total cashback across all categories capped at Rs.400/statement cycle
₹158
Total Annual Return
₹4,800
1.33% Effective ROIWhat Users Are Saying
Community Feed
Mar 2026
“What do you think about HSBC rupay cashback cc?”
by r/CreditCardsIndia, Mar 2026
“Any UPI card better than HSBC Rupay cashback in terms”
by r/CreditCardsIndia, Jan 2026
“Help regarding HSBC rupay cashback credit card”
by r/CreditCardsIndia, Jun 2026
“HSBC RUPAY CREDIT CARDS ARE HERE”
by r/CreditCardsIndia, Jul 2025
“HSBC RuPay Cashback CC Application Process”
by r/CreditCardsIndia, Oct 2025
Frequently Asked Questions
The HSBC RuPay Cashback Credit Card charges ₹499 plus GST as a joining fee and the same ₹499 again at renewal. HSBC waives the renewal fee if you spend ₹2L in the previous year, which is about ₹16,667 a month. If your card spend sits below that, treat ₹499 as a real yearly cost that your rewards have to clear first.
Things to Keep in Mind
HSBC caps total cashback at ₹400 per calendar month and may disallow spends falling under excluded MCCs.
No cashback on several excluded categories listed by issuer (including fuel MCCs, wallet loads, rent-related, insurance, utilities and others).
