HSBC BankHSBC Cashback Credit Card
The HSBC Cashback Credit Card delivers one of the highest cashback rates on food delivery and entertainment in India.
Top Category Performance
Cashback (95/100)
Joining Fee
₹999
Annual Fee
₹999
Reward Rate (%)
1.5 – 10
Forex Markup
3.5%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
35/35
Fee Value & ROI
20/25
Lounge & Perks
11/20
Forex & Access
8/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
HSBC Cashback Credit Card Benefits
HSBC Cashback Credit Card Rewards
How you earn back on every swipe
cashback
Reward type
1.5% – 10%
Earn rate
₹1,000
Monthly cap
HSBC Cashback Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
HSBC Cashback Credit Card Lounge Access
Airport perks included with this card
1 per quarter
Domestic lounge visits
0 per year
International lounge visits
Things to Keep in Mind
- cash advance transactions
- foreign currency transactions
- balances from previous month must be cleared for free credit period
Card Features
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
🎉 Annual renewal fee 100% waived! At ₹16,667/mo (₹2,00,004/yr), your ₹999 fee drops to ₹0.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
HSBC Cashback Credit Card Eligibility
Employment type
Pros & Cons
- Excellent cashback rate on dining and grocery spends
- Unlimited 1.5% cashback on general spending
- Simple cashback structure with no reward-point calculations
- Cashback is automatically credited
- Complimentary domestic lounge access included
- Reasonable annual fee waiver threshold
- Strong card for Swiggy, Zomato, restaurants, and grocery purchases
- Good all-round cashback card for everyday spending
- 10% cashback capped at ₹1,000 per month
- No international airport lounge access
- Forex markup of around 3.5% is high
- Many categories excluded from cashback, including rent and wallet loads
- Limited travel benefits
- No milestone rewards for high spenders
- Serviceability restricted to selected cities
- Heavy spenders may get better value from premium travel cards
Who is this card for?
Young urban consumers who regularly order food online, stream OTT content, and book movie tickets. The 10% cashback on these categories makes the card pay for itself quickly.
Quick Links
Data last updated 8 Aug 2026
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Calculate your exact earnings with HSBC Cashback Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your guaranteed net return after annual fees.