HSBC RuPay Cashback Credit Card

HSBC · ₹499 a year · fee waived on ₹2,00,000 of annual spend

A RuPay cashback card that works on UPI, with 10% on eating out, delivery and groceries.

What the bank says

• 10% cashback on dining, food delivery and grocery spending
• 1% cashback on all other eligible spends
• Earn up to INR400 on your spending every month
• Link the card to UPI apps for direct payments
• Up to 2 complimentary domestic lounge visits a quarter and 2 international visits a year

Things that catch people out

• HSBC says you can earn up to ₹400 a month but does not say on the card page whether that limit covers only the 10% or all cashback.
• The 0% forex markup offer ended on 31 August 2026, and the page does not state the markup that applies now.

Joining fee: ₹499. Foreign currency markup: not published.

Read from HSBC’s own page on 2026-09-16.

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