Our Money Guide

Pros and Cons of HSBC Cashback Credit Card


  • Good cashback rate on grocery purchases, dining and food delivery
  • Free visits to airport lounges in India


  • You would need to consider other credit cards to earn higher rewards on other card spends (other than grocery purchases, dining and food delivery)

Features & Benefits of HSBC Cashback Credit Card

10% cashback on grocery purchases || dining spends || food delivery spends – on total spends upto ₹10,000 per month

You get 10% cashback in these categories.

This benefit is applicable only on total monthly purchases upto ₹10,000, since the maximum cashback at this earning rate is restricted to ₹1000 per monthly card statement cycle.

1.50% cashback on all other card spends

You earn ₹1.50 cashback, on every ₹100 you spend on all other card purchases.

Exceptions :
No cashback on following categories: Fuel related, e-wallets, payment of property management fees, rental commissions, rental payments or any such payments, business to business transactions, education and government related spends, insurance, jewelry & antique items, gambling, tolls and bridge fees, financial and non-financial institutions, security broker services, collection agencies , charity, money transfers and wholesale clubs.

Cashback amount paid on transactions that subsequently get reversed, cancelled or nullified (for any reasons) shall be recovered back from the cardholder by either being adjusted against cashback of the next statement or by debiting the card account in the next statement

Complimentary access to domestic airport lounges – 1 time per quarter

You get free visits to airport lounges in India, 4 times per year (maximum 1 time per quarter)

HSBC Cashback Credit Card Fees & Charges

Annual fee

Annual feeAnnual fee offers
1st year joining fee₹999Welcome offer : You get Amazon vouchers worth ₹1000, upon spending ₹10000 on your card within 30 days of card issuance.
Renewal fee from 2nd year onwards₹999Renewal offer : Annual fee is waived off from the 2nd year onwards, if you spend ₹2 lakhs or more in the previous year.

To view all terms and conditions and fees & charges, please click here – HSBC Cashback Credit Card Fees & Charges

Eligibility criteria

Minimum age18 years
Maximum age65 years
OccupationSalaried or self-employed
Minimum income ₹4 lakhs per year (for salaried individuals)
Credit scoreNot specified, preferably above 750
Cities where this card is availableChennai, Gurgaon, Delhi National Capital Region (NCR), Pune, Noida, Hyderabad, Mumbai, Bangalore, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad or Kolkata.

Documents required

Required documents 
– PAN card copy
– Identity proof : PAN card , driving license, valid passport, voter ID (any one)
– Proof of residence : electricity bill, phone bill, driving licence, passport, ration card, bank statement, passbook, voters ID, flat maintenance bill, rent agreement (any one)
– Income proof : latest salary slip OR the front side of the card and the latest credit card statement, if you’re already using another credit card

Additional documents maybe required on a case-to-case basis.

How do I apply for the HSBC Cashback Credit Card?

Online application process 
The easiest way is to click here – APPLY NOW , you shall be taken to the card application page on the HSBC Bank website.

You can also visit official website of the bank and fill out the application form. The bank’s website and mobile app offer a user-friendly interface that makes the application process quick and easy.

Points to note-
– Complete KYC with one video call and enjoy contactless banking with HSBC
– Keep PAN card , Aadhaar number and income documents handy to complete your application
– To fast-track your application, provide details as mentioned in Aadhaar. For e.g. please mention mobile number linked with Aadhaar
Offline (face to face)  application processYou can visit any of the nearest branches of the bank and talk to an executive regarding the process.
Apply Now