HSBC RuPay Cashback
by HSBC · Data verified 2 days ago
HSBC UPI-enabled RuPay card: ZERO forex, 10% cashback on dining/food/grocery (max Rs.400/mo), 1% unlimited on others, UPI payments, Cleartrip discounts. Rs.499 fee waived on Rs.2L spend.
How Much Can You Earn?
Calculate your potential rewards with this card
Your Annual Benefits
You save per year!
What's Great
- 10 complimentary airport lounge visits/year (8 domestic + 2 international) \u2014 extraordinary for a ₹499 card
- 10% cashback on Dining, Food Delivery & Grocery spends
- 1% unlimited cashback on all other eligible retail transactions
- UPI payments enabled on RuPay network with top UPI apps
- Promotional 0% foreign exchange markup offer on international spends
- Low annual fee of ₹499 (waived on spending ₹2,00,000/year)
Things to Consider
- 10% accelerated cashback is capped at ₹400 per month
- No fuel surcharge waiver; fuel transactions excluded from cashback
- Standard foreign currency markup is 3.50% after promo offer
- Available only to residents of select major Indian cities
Perfect For
About This Card
Other Charges
Milestone Rewards
Reward Earning by Category
| Category | Reward Rate | Details |
|---|
Domestic Lounges
8 per year
Int'l Lounges
2 per year
Lost Card Cover
₹0
Add-On Card
Free
Dining
- •10% cashback on dining and food delivery spends (up to Rs. 400/month)
- •2-month EazyDiner membership as welcome benefit
Shopping
- •10% cashback on grocery spends (up to Rs. 400/month combined with dining)
- •1% cashback (up to ₹400/month) on all other eligible purchases
- •UPI payments via HSBC SimplyPay and other UPI apps
- •5% off on Paytm utility bills (code HSBCRUPAY, max Rs. 150)
Travel
- •ZERO forex markup on international transactions
- •Cleartrip discounts up to Rs. 6,000 on flights and hotels (code HSBCRPCC)
- •Cleartrip EMI code
- •0% forex is temporary until July 2026
Special Offers & Features
- •0% FX markup valid until 31 August 2026
- •Available only in select cities: Chennai, Gurgaon, Delhi NCR, etc.
- •Exclusions: fuel, wallet reloads, rent, education, insurance
EMI Options
- •Instant EMI: Convert credit card purchases over ₹2,000 into monthly installments
- •Flexible repayment tenures from 3 to 24 months
- •Convenient booking via HSBC India Mobile Banking app or online banking
Card Features
CardSahayak Score
"Apply Now" takes you to HSBC's official website.
Eligibility
Scores
Deals & Offers
Exclusive offers available on HSBC RuPay Cashback
BookMyShow
Experience world-class music festivals, theatrical performances, comedy shows, and live sporting spectacles with HSBC Credit Cards.Get 10% instant discount up to ₹1,000 on tickets for top events across major Indian metros.
Step 2: Select your tickets with total cart value of ₹2,500 or higher.
Step 3: Under Payment Offers, select HSBC Credit Card Live Events Offer.
Step 4: Pay with your HSBC Credit Card to get 10% instant discount up to ₹1,000.
Valid exclusively on Live Events, Music Concerts, Plays, and Comedy shows on BookMyShow. Minimum booking value of ₹2,500 is required. Maximum discount is capped at ₹1,000 per cardholder per month. Offer is not applicable on regular cinema movie tickets.
Yatra
Fly to your dream international holiday destinations for less. HSBC Credit Cardholders receive a flat 10% instant discount up to ₹7,500 on international flight bookings on Yatra.Applicable on one-way and round-trip bookings across leading global airlines.
Step 2: Search for international flights with booking value of ₹30,000 or more.
Step 3: Enter promo code HSBCINT on the flight payment review page.
Step 4: Pay using your HSBC Credit Card to save up to ₹7,500 instantly.
Valid on international flights departing from Indian airports. Minimum booking transaction of ₹30,000 required. Maximum discount capped at ₹7,500 per booking. Valid once per quarter per cardholder. Offer applicable on base fare and airline fuel surcharges only.
Yatra
Plan your domestic weekend getaways and business trips across India. Save up to ₹3,000 on domestic flight and hotel bookings with HSBC Credit Cards on Yatra.Enjoy seamless travel reservations with top airlines and handpicked luxury resorts.
Step 2: Ensure minimum order value meets ₹6,000 threshold.
Step 3: Apply promo code HSBCDOM during checkout.
Step 4: Pay with HSBC Credit Card to get up to ₹3,000 deducted immediately.
Minimum booking value of ₹6,000 for domestic flights and ₹4,000 for hotels. Maximum domestic flight discount is ₹1,800; hotel discount up to ₹3,000. Valid once per calendar month per cardholder. Excludes railway bookings, homestays, and bus tickets.
Zepto
Get fresh fruits, vegetables, dairy, and household essentials delivered in 10 minutes. HSBC Credit Cardholders get flat ₹100 off on Zepto orders above ₹999.Speedy grocery delivery meets instant banking savings on all everyday essentials.
Step 2: Click on Apply Coupon on the cart checkout page.
Step 3: Select or type coupon code HSBC100.
Step 4: Complete payment with HSBC Credit Card to get ₹100 instant discount.
Minimum order value of ₹999 excluding handling and delivery fees. Valid twice per cardholder per calendar month. Applicable on all grocery categories across all serviceable cities. Offer valid on retail consumer credit cards only.
Croma
Upgrade your home entertainment, computing, and kitchen appliances. Enjoy 7.5% instant discount up to ₹3,500 at Croma retail stores and croma.com with HSBC Credit Cards.Valid on smartphones, laptops, smart TVs, refrigerators, and audio gear.
Step 2: Add eligible consumer electronics worth ₹20,000 or more to your cart.
Step 3: Select HSBC Credit Card Bank Offer at payment stage.
Step 4: Complete transaction to receive 7.5% instant discount up to ₹3,500.
Minimum transaction value of ₹20,000 is required. Maximum instant discount is capped at ₹3,500 per card. Valid on Full Swipe and EMI transactions. Limit of one transaction per cardholder per calendar month.
Frequently Asked Questions
Everything you need to know about HSBC RuPay Cashback
- • Min age: 18 years
- • Salaried: ₹50,000/month min
- • Self-employed: ₹100,000/month min
- • CIBIL: 750+ recommended
- ✓ Domestic: 8 per year
- ✓ International: 2 per year
- → 2 complimentary domestic airport lounge visits per calendar quarter (8 visits per year) via RuPay Select
- → 2 complimentary international airport lounge visits per calendar year via LoungeKey/RuPay Select
- • Instant: Pre-approved HSBC customers
- • 24-48 hrs: New customers with documents
- • Delivery: 7-10 working days
Ready to Get Started?
Apply for HSBC RuPay Cashback today and unlock amazing rewards and premium experiences.
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