HSBC RuPay Cashback Credit Card

HSBC

Strong dining/grocery cashback for the fee — just don't lean on the forex figure past this month without checking it again.

Cashback focusedGrocery cashbackDining rewardsupi rewardspriority:lounge domestic

₹499

Joining fee

₹499, waived at ₹2L spend

Annual fee

Waived if annual spend exceeds Rs 2,00,000 (Rs 499 fee).

Forex markup

4.2 / 5

Rating

Eligibility

Estimated minimum income: ₹50,000+/month

Estimated — not officially confirmed by the bank.

Estimated minimum CIBIL score: 680+

Estimated — not officially confirmed by the bank.

Age: 18–65

Salaried min Rs 6,00,000/year; self-employed min Rs 12,00,000/year, age 25-65

Available only in 20+ select metros (Delhi NCR, Mumbai, Bangalore, Hyderabad, Chennai, Pune, and others)

Lounge access

8 domestic / 2 international visits per year

Source states this as an "up to" cap, not a guaranteed count.

Per Quarter: 2

Per Year Max: 8

Per Year: 2

Combined Description: Official page describes this as 'up to 10 airport lounge visits annually.'

Key features

Reward details

1% cashback on all other purchases

10% cashback on Dining, food delivery, and groceries — Rs 400/month (aggregator-sourced monthly cap)

Redemption

Automatic credit to card account (statement credit); no point-based redemption system

Excluded from rewards: international spends (no cashback earned despite the 0% forex mark-up promotion)

Real-world feedback

Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.

Praise

Up to 10% savings on food-related spends; complimentary airport lounge access 'worldwide'; low annual fee with an easily achievable waiver condition — Paisabazaar

Complaints

Low monthly cashback cap (Rs 400) limits earning potential for heavy spenders; no cashback on international spends even though forex mark-up is waived — an inconsistent value proposition for travelers — Paisabazaar

Sources