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HSBC RuPay Cashback Credit Card Credit Card
HSBC India · Cashback
10% cashback on dining, food delivery and grocery; 1% on other eligible spends.
- Joining fee
- ₹499
- Annual fee
- ₹499
- Waiver spend
- ₹2,00,000
- Forex markup
- 3.5%
Fee waiver
Spend ₹2,00,000 in a card year and the next annual fee is waived.
That is about ₹16,667 a month.
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Card EMI or personal loan?
Cost of paying only the minimum
How the app counts rewards
- 10% on dining, food delivery and groceries
- 1% on other eligible spends
No rewards on education, fuel, insurance, international, rent, utilities, wallet loads.
Airport lounges
- Domestic: 2 visits a quarter
- International: 2 visits a year
Who can apply
- Age 18 to 65
- Salaried: income of ₹6,00,000 a year or more
- Self-employed: income of ₹12,00,000 a year or more
Indian resident; self-employed applicants must be 25 to 65
Published minimums. Approval is the bank's decision.
Checked against the bank's terms. Banks change terms often, so check the latest terms before applying.
Taken from the bank's page. Rules data version 2026.10.04.
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