Question 1

What is the annual fee on the HSBC RuPay Cashback Credit Card and how do you get it waived?

Accepted Answer

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.

Question 2

How much cashback does the HSBC RuPay Cashback Credit Card give?

Accepted Answer

You get 10% back on dining, food delivery and grocery. Other eligible spends earn 1%. On ₹10,000 of spend in the top category that is ₹1,000 back, so about ₹12,000 a year if you hit it every month. Fuel, e-wallet loading, rental payments, cash advance earn nothing at all.

Question 3

Does the HSBC RuPay Cashback Credit Card give free airport lounge access?

Accepted Answer

The HSBC RuPay Cashback Credit Card gives 4 complimentary domestic lounge visits a year, usually capped at 1 per quarter. There is no prior spend requirement on paper, though HSBC has been moving cards to spend linked access, so confirm before you rely on it at the airport.

Question 4

What changed on the HSBC RuPay Cashback Credit Card recently and is it still worth it in 2026?

Accepted Answer

Other: No specific devaluation found; ongoing welcome offers. At ₹2L of yearly spend the card returns roughly ₹2,000 at its general rate of about 1%, against a ₹499 renewal fee. Keep it if you clear the ₹2L waiver spend and your spending really sits in the accelerated category. Drop it at renewal if you do not.

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