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HSBC India · RuPay · हिन्दी

HSBC RuPay Cashback Credit Card: full review

The HSBC RuPay Cashback earns 10% on dining, food delivery and groceries and 1% elsewhere, but total cashback stops at ₹400 a month. With zero forex until the end of 2026 and 10 lounge visits a year at a ₹499 fee, it suits modest food and grocery spenders who also want a RuPay card for UPI.

Apply now ↗Annual fee: ₹499 + taxes
Last updated: October 2026 · Current terms verified
HSBC INDIA
RuPay
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CASHBACK
ASHOK KUMAR
12/28
₹499 + taxes (waived on ₹2,00,000/year spend)Annual fee
10% cashback on dining, food delivery and groceries; 1% on other eligible spends; total cashback capped at ₹400 a month; no cashback on fuel, wallets, rent, insurance, education, government or jewelleryReward structure
2 domestic visits/quarter (8/year); 2 international visits/yearLounge access

Key benefits of the HSBC RuPay Cashback Credit Card

10% cashback on dining, food delivery and grocery spends1% cashback on other eligible spends, including bill paymentsTotal cashback capped at ₹400 a month across both ratesZero forex markup on international spends until 31 December 20262 domestic lounge visits per quarter (8/year) + 2 international visits/year₹500 welcome cashback on ₹10,000 spend + HSBC app download within 30 days5% off on Paytm utility bill payments via HSBC app (up to ₹150 off, 5 transactions/month)Up to ₹6,000 off on Cleartrip flights and hotelsAnnual fee waived on ₹2L/year spend
Apply now ↗ Min. income: ₹6L+/year · Credit score: 700+
Pros and cons
Pros
✓ 10% back on dining, food delivery and groceries
✓ Zero forex markup until 31 December 2026, rare at this fee
✓ 8 domestic and 2 international lounge visits a year at a ₹499 fee
✓ RuPay enables UPI credit card payments across all apps
Cons
✗ Total cashback is capped at ₹400 a month, reached at about ₹4,000 of dining and grocery spend
✗ Only 1% on other spends
✗ No cashback on fuel, rent, wallets, insurance or education
✗ Available only in select cities
Quick facts
Issuer HSBC India
Network RuPay
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹499 + taxes (waived on ₹2,00,000/year spend)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹499
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 2 domestic visits/quarter (8/year); 2 international visits/year
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 0% (until 31 December 2026)
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹6L+/year
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+
SourceHSBC India's RuPay Cashback card page and card service guide · Last checked October 2026
Recent updates

Corrected from HSBC's card page and service guide: the card gives 10% cashback on dining, food delivery and groceries and 1% on other spends, with total cashback capped at ₹400 a month. It was listed as 3% on UPI and digital payments and 1.5% elsewhere. The fee is ₹499, not ₹999.

Dining and groceries3%10%
Online shopping3%1%
Other spends1.5%1%
Monthly capNot counted₹400 in total
Annual fee₹999₹499
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Frequently asked questions
The annual fee for HSBC RuPay Cashback Credit Card is ₹499 + taxes (waived on ₹2,00,000/year spend). The joining fee is ₹499.
The main benefits of the HSBC RuPay Cashback Credit Card are: 10% cashback on dining, food delivery and grocery spends; 1% cashback on other eligible spends, including bill payments; Total cashback capped at ₹400 a month across both rates; Zero forex markup on international spends until 31 December 2026; 2 domestic lounge visits per quarter (8/year) + 2 international visits/year; ₹500 welcome cashback on ₹10,000 spend + HSBC app download within 30 days; 5% off on Paytm utility bill payments via HSBC app (up to ₹150 off, 5 transactions/month); Up to ₹6,000 off on Cleartrip flights and hotels; Annual fee waived on ₹2L/year spend.
10% cashback on dining, food delivery and groceries; 1% on other eligible spends; total cashback capped at ₹400 a month; no cashback on fuel, wallets, rent, insurance, education, government or jewellery
HSBC RuPay Cashback Credit Card is best for Food delivery and grocery spenders wanting a low-fee RuPay card for UPI. The HSBC RuPay Cashback earns 10% on dining, food delivery and groceries and 1% elsewhere, but total cashback stops at ₹400 a month. With zero forex until the end of 2026 and 10 lounge visits a year at a ₹499 fee, it suits modest food and grocery spenders who also want a RuPay card for UPI.
The minimum income requirement for HSBC RuPay Cashback Credit Card is ₹6L+/year. A minimum credit score of 700+ is also recommended.
Yes, HSBC RuPay Cashback Credit Card offers 2 domestic visits/quarter (8/year); 2 international visits/year.
HSBC RuPay Cashback Credit Card charges a 0% (until 31 December 2026) foreign currency markup on international transactions. This is higher than the standard 3.5% charged by most Indian credit cards.
Related guides
Best Cashback Credit Cards →Best Lifetime Free Credit Cards →Best Credit Cards for Students →
Card reviews
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HSBC RuPay Cashback₹499 + taxes
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