HSBC India · Scored card guide

HSBC RuPay Cashback

10% food and groceries, ₹400 monthly cashback ceiling. Eligibility, merchant codes and category exclusions can change the actual result.

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Where it pays

HSBC advertises 10% cashback on dining, food delivery and grocery, with up to ₹400 cashback per month on spending; other eligible spend earns 1%. The calculator conservatively treats the advertised ₹400 monthly maximum as a combined ceiling; confirm exact bucket rules with HSBC. Fuel and other exclusions apply. ₹499 joining and renewal fee, renewal waived after more than ₹2 lakh qualifying annual spending. Welcome offers excluded.

Annual cost: ₹499 plus applicable GST; qualifying renewal waiver after ₹200,000 annual spend. Joining fee and special offers may differ.

Issuer source

https://www.hsbc.co.in/credit-cards/products/rupay-cashback-credit-card/

Checked 27 Sep 2026. Estimates use one spend category repeated monthly; other spends can exhaust shared caps. Verify live terms before applying.

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