Card Details

1291 9955 1753 1030

HSBC RuPay Cashback Credit Card

HSBCRUPAY

Card Issuer

HSBC

Joining Fee

₹499

Annual Fee

₹499

Reward Type

Cashback

Card Access

Standard

Changes to this card

  1. 8 Oct 2026

    Official product page updated.

Offers from HSBC

See all

Earn Points

10%

Cashback on dining & food delivery spends (shared ₹400 monthly limit)

10%

Cashback on grocery spends (shared ₹400 monthly limit)

1%

Cashback on other eligible domestic spends (within ₹400 monthly limit)

Benefits

Shopping

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
Lounges

Up to 2 Domestic Lounge Visits/Quarter and 2…

Reward Calculator

NOTE: Enter your monthly spends to see
projected returns.

Excluded: fuel, rent, wallet

Min: ₹5,000Max: ₹2,00,000

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 ROI

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).