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HSBC RuPay Cashback Credit Card

The HSBC RuPay Cashback Credit Card offers attractive rewards for everyday spending. Cardholders can earn up to 10% cashback on purchases, enjoy up to 10 complimentary airport lounge visits globally, and access exclusive discount offers on popular online platforms. The first-year fee is ₹499 plus applicable taxes.

HSBC RuPay Cashback Credit Card

About HSBC RuPay Cashback Credit Card

The HSBC RuPay Cashback Credit Card is designed to help users maximize their everyday spending with rewards of up to 10% cashback, including on UPI transactions, with extra savings on dining-related expenses. Cashback is subject to monthly limits, which may affect high spenders.

Despite its modest annual fee of just ₹499, the card offers more than basic cashback rewards. It provides benefits across multiple categories such as dining, daily essentials, travel, beauty, skincare, and utility bills. Cardholders also enjoy perks like discounts on popular online platforms and complimentary airport lounge access.

This card is ideal for individuals seeking an affordable credit card that delivers value on UPI payments and lifestyle expenses. Compared to the HSBC Live+ Credit Card—which has a higher annual fee of ₹999, a 1.5% base cashback, and higher cashback limits—this RuPay Cashback card provides broader benefits, including more free lounge visits and platform-specific discounts.

Cashback Rewards

  • Up to 10% Cashback: Earn on dining, groceries, and food delivery transactions.
  • 1% Cashback: Applicable on all other eligible purchases, including UPI payments.
  • Monthly Limit: Total cashback is restricted to Rs. 400 each month.

Additional Features & Advantages

Welcome Perks:

  • Complimentary 2-month EazyDiner membership upon card activation.

  • Rs. 500 cashback when you install and log in to the mobile banking app and spend Rs. 10,000 within 30 days of receiving the card.

Travel & Convenience:

  • Airport Lounge Access: 2 domestic lounge visits per quarter and 2 international lounge visits annually.

  • Forex Benefit: No foreign exchange mark-up fee valid until 31 Dec 2025.

  • Annual Fee Waiver: Card fee waived on yearly spending exceeding Rs. 2 lakh.

Discount Offers:

  • Swiggy Instamart: 10% off (max Rs. 200) on orders above Rs. 500.
  • Tira: 10% off (max Rs. 1,000) on purchases of Rs. 2,499 or more.
  • Cleartrip: Save up to Rs. 6,000 on flight and hotel bookings.
  • Paytm: 5% discount (max Rs. 150) on payments above Rs. 299 for mobile, broadband, DTH, utility bills, FASTag, and piped gas.

HSBC RuPay Cashback Credit Card Reward Points & Cashback Calculator

Reward Points Calculator

HSBC RuPay Cashback: Fees & Charges

Fees & Charges Amount
Joining/Annual Fee Rs. 499 + Applicable Taxes
Financial Charges 3.75% per month (45% per annum)
Late Payment Charges 100% of the Minimum Payment Due (MPD), subject to a min. of Rs. 250 and a max. of Rs. 1,200 per month

Key Points Before Applying

Who Should Consider This Card:

  • Ideal if UPI is your main payment method and you want a RuPay credit card with a low annual fee.

  • Suitable for those who prefer receiving cashback directly instead of accumulating reward points.

  • Perfect for individuals seeking higher savings on dining, groceries, and food delivery purchases.

Eligibility Requirements:

  • Age: Between 18 and 65 years.

  • Minimum Income: Rs. 4 LPA for salaried applicants.

  • Residency: Must be an Indian resident from selected cities.

Steps to Close HSBC RuPay Cashback Credit Card

If you want to close your HSBC RuPay Cashback Credit Card, follow the proper process recommended by HSBC Bank to ensure a smooth and secure closure.

Contact Customer Care

  • Call HSBC customer support using the number on your card or official website

  • Follow IVR options to reach the credit card department

Follow the Process

  • Select the option for credit card closure

  • Follow the instructions given by the executive or automated system

Verify Your Details

Provide basic information for verification, such as:

  • Full name

  • Registered mobile number

  • Other identification details

Confirm Closure

  • Confirm your request after verification

  • Check for any pending dues before final approval

Important Points

  • Clear all outstanding payments, including EMIs and charges

  • Redeem reward points before closing the card

  • Stop using the card after submitting the request

  • Ask for closure confirmation via SMS or email

After Closure

  • Cut the card across the chip and magnetic strip

  • Check your credit report after a few weeks to ensure the status shows “Closed”

  • Report any issues to the bank immediately

HSBC RuPay Cashback Credit Card Helpline Number

For any support related to your HSBC RuPay Cashback Credit Card, you can contact the customer care team of HSBC Bank through the following options.

Customer Care Numbers (India)

Availability

  • Premier Banking: 24×7

  • Credit Card Support: 6:30 AM to 8:30 PM

  • Emergency Services: 24×7 for card blocking and fraud reporting

NRI & Overseas Support

Additional Support

  • Email and branch visit options are available for detailed assistance

  • Use your registered contact details for faster processing

Important Tips

  • Keep your registered mobile number and card details ready for verification

  • Never share sensitive information like OTP, PIN, or CVV

  • Immediately report any lost card or suspicious activity

  • Always note your complaint/reference number for tracking

FAQs

Can I use this RuPay Cashback Credit Card abroad?

Yes, the card can be used for international transactions across around 160 countries through the JCB network.

SimplyPay is a mobile app that enables UPI payments and bill settlements. You can link your HSBC account and RuPay credit card to make seamless payments.

No, foreign currency transactions do not qualify for cashback. However, there is currently no forex markup fee on such transactions.

Yes, cashback is available on all UPI transactions, except for certain excluded categories.

EazyDiner Prime offers up to Rs. 3,000 in savings with discounts ranging from 25% to 50% at select restaurants and bars. It also provides priority reservations, double EazyPoints redeemable on dining bills, and access to a dedicated VIP concierge service.