HSBC RuPay Cashback Credit Card
HSBC India
HSBC RuPay Cashback Credit Card
HSBC India
Annual Fee
FREE
Effective Rate
1.00%
Network
RUPAY
Point Value
₹1.00/pt
About HSBC RuPay Cashback Credit Card
RuPay network cashback card with UPI linking. Cashback on UPI transactions and everyday categories.
Best For
Pros & Cons
thumb_upPros
- check_circleZero forex markup on international transactions
- check_circleLifetime free — no annual fee ever
thumb_downCons
- cancelReward rates may vary by spend category
Reward Earning Structure
Each point is worth ₹1.00 — an effective return of 1.00% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 1.5% | 150 pts≈ ₹150 |
Cashback is credited directly to your statement, reducing your outstanding balance. No redemption required.
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the HSBC India website.
| Annual Fee | Lifetime Free |
| Forex Markup | 0% (Zero Markup) |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: As per bank norms
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about HSBC RuPay Cashback Credit Card.
Ready to apply for HSBC RuPay Cashback Credit Card?
Apply directly on the HSBC India website. Most decisions within 7–10 working days.
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