HSBC Cashback (Rupay) credit card credit card
Joining Fee:

₹499 +GST

Return Percentage:

1% to 10%

Credit Card Overview

A RuPay Cashback card from HSBC providing flat cashback on digital transactions, utilities, and shopping, tailored for value seekers.

Best Suited For: Cashback

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Fees and charges at a glance

Annual fee
₹499

Charged every year you keep the card

Joining fee
₹499

Paid once when you get the card, plus GST

Reward rate
1% to 10%

Depends where you spend

Forex markup
0%

Extra charge on foreign spends

Interest rate
45% p.a.

Only if you don't pay the full bill

HSBC Cashback (Rupay) credit card — Lounge Access

Domestic lounge

2 per quarterquarter
  • No explicit spend condition

International lounge

2 per yearyear
  • No explicit spend condition

Other lounge access

2 per quarterquarter
  • Add-on cardholders have a separate lounge access limit, independent of the primary cardholder’s allowance.

1 more lounge benefit on this card

We track all 4 of them, with the spend conditions on each. See the full list in the app.

Open in the app