Credit Card Compare

HSBC RuPay Cashback Credit Card

Data last updated 25 October 2026
45.00%
Purchase rate
₹499
Annual fee
45 days
Interest-free

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Application

CardIQ

45Fair

Fair

Overall score, out of 100 · How this works

  • Airport lounge34
  • Cashback80
  • Rewards23
  • Travel44

Customer reviews

No reviews yet. Be the first to review the HSBC RuPay Cashback Credit Card.

Pros & cons

What's good

  • Complimentary airport lounge access (10 visits a year).
  • Earns cashback on eligible spending.
  • No fee to add an additional cardholder.

Worth noting

  • Annual fee of INR499 including applicable GST will be fully reversed if total eligible spend across primary and add-on cards during the anniversary year exceeds INR200,000. Fee charged at end of anniversary year and reversed subsequently on meeting spend criteria. Joining fee INR499 also applies in year 1. GST is charged in addition to stated fees.
  • Requires a minimum income of ₹6,00,000 a year.
  • Earns no rewards points on spending.
  • No balance transfer or introductory purchase offer.

Card details

The basics

Additional cardholder fee
₹0 p.a.
Card tier
Not published
Card type
RuPay
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
None

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
18 years old
Minimum income
₹6,00,000 p.a.
Residency
Indian resident; must reside in one of the listed cities
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
45.00% p.a.
Purchases
45.00% p.a.

Fees

Additional cardholder fee
₹0
Annual fee
₹499 p.a.
Annual fee (year 2+)
₹499 p.a.
Cash advance fee
2.5% of the amount
Foreign transaction fee
3.5%
Late payment fee
₹1,200
Over limit fee
₹500

Repayments

Interest-free period
Up to 45 days on purchases
Minimum repayment
Higher of ₹100 OR sum of: 100% of all Interest, Fees and Taxes billed; 100% of EMI amounts billed; Higher of Past due or Over limit amount; 1% of the billed statement balance (excluding EMI balance, fees, interest, and taxes billed)

Balance transfers

This card has no promotional balance transfer offer.

Introductory purchase offer

This card has no introductory purchase rate offer.

Rewards

Cashback

Cashback cap
₹400 per month
Ongoing cashback
10% on eligible spend

10% on dining, food delivery and grocery; 1% on all other eligible spends. Total cashback capped at INR 400 per month across both categories.

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Purchase rate45.00%Top 25% (21st of 91 cards)
Annual fee₹499 a yearBetter than most (27th of 91 cards)
Overseas fee3.50%Better than most (33rd of 91 cards)
Interest-free days45 daysNot as good as most cards (61st of 73 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

Compare side by side

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Questions and answers

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Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Issuer
HSBC