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HSBC Bank
Ten per cent on dining, delivery and groceries — and a ₹400 monthly ceiling that decides whether that matters.
One-time
Waived on ₹2,00,000/yr
Capped at ₹400/billing cycle
Score 700+
Applying takes you to HSBC Bank. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms confirmed against the issuer
4 reward rates with their own caps, 6 recorded limitations, and every figure below traced to a source.
See where each figure came fromDining
Pays up to ₹400 a billing cycle — reached at about ₹4,000 of spend
Food delivery
Pays up to ₹400 a billing cycle — reached at about ₹4,000 of spend
Groceries
Pays up to ₹400 a billing cycle — reached at about ₹4,000 of spend
Everything else
Shares the card's ₹400 a month ceiling
These rates share one ceiling: ₹400 a month across the card, not per category.
No cashback on utilities, insurance, government payments or jewellery All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
10% on Dining — 10% on dining, online and offline, including UPI payments to these merchants, up to ₹400 per billing cycle.
Biggest limitation
All cashback stops at ₹400 a statement cycle — the 10% categories share that ceiling rather than each having their own. About ₹4,000 of dining alone reaches it.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
10%
cappedDining
Pays up to ₹400 per billing cycle — reached at about ₹4,000 of spend.
10% on dining, online and offline, including UPI payments to these merchants
10%
cappedFood delivery
Pays up to ₹400 per billing cycle — reached at about ₹4,000 of spend.
10% on food delivery
10%
cappedGroceries
Pays up to ₹400 per billing cycle — reached at about ₹4,000 of spend.
10% on grocery spends
1%
uncappedEverything else
1% on all other eligible spends, including UPI to merchants outside the boosted categories
Cashback is credited straight to the account. There is no points programme and nothing to redeem.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹499 | — |
| Annual / renewal fee | ₹499 | Annual fee waived on ₹2,00,000 of spend in the card year. |
| Add-on card | As per HSBC Bank's RuPay Cashback Credit Card add-on card policy | — |
| Cash withdrawal | 2.5%, min ₹500 | 2.5% of the amount withdrawn, minimum ₹500 |
| Late payment | 100% of Minimum Payment Due if unpaid within 3 days of due date, subject to a minimum of ₹250 and maximum of ₹1,200 per statement | — |
| Foreign currency markup | 0% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
₹1,000
of one-time welcome value, on top of what you earn
Every year after
₹2,00,000 a year
is what it takes to keep the ₹499 fee off — about ₹16,667 a month
Waiver on eligible transactions at fuel stations, subject to the limits in HSBC’s MITC. Fuel spends themselves earn no cashback.
1% on UPI spends. UPI payments earn at the same rates as the card — 10% at dining, food delivery and grocery merchants, 1% elsewhere.
We do not have insurance & protection recorded for this card. Check the issuer's page before relying on it.
Welcome — once
₹1,000
quantified, and kept out of every recurring figure on CredSpy
Milestones — every year
None
no spend milestones are recorded
₹500 cashback for downloading and logging into the HSBC India Mobile Banking app and spending ₹10,000 within 30 days of issuance.
Only on ₹10,000 of spend within 30 days. Miss it and the benefit does not arrive.
₹250 Amazon eGift Voucher for applying online, completing video KYC and receiving the card.
₹250 cashback for linking the card to UPI and making two transactions of ₹250 or more within 30 days.
No spend milestones are recorded.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
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Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹499 plus GST, waived on ₹2,00,000 of annual spend.
The strongest published rate is 10% on dining, capped at ₹400 per billing cycle — so roughly ₹4,000 of spend reaches the maximum on that tier. The calculator above prices your own basket with every cap and exclusion applied.
Yes. Up to 2 complimentary visits a quarter, 8 a year, with no minimum spend.
Yes. UPI payments earn at the same rates as the card — 10% at dining, food delivery and grocery merchants, 1% elsewhere.
No cashback on utilities, insurance, government payments or jewellery Fuel spends are excluded from cashback earning Combined cashback across the 10% and 1% categories is capped at ₹400 per statement cycle/month; overlimit fee of 2.5% of overlimit amount (min ₹500) applies if outstanding exceeds credit limit No cashback on fuel, e-wallets, property management fees, rent, B2B transactions, education, government payments, insurance, jewellery and antique items, cash withdrawals, credit repayments, foreign currency, liquid and cryptocurrency assets, security broker services, collection agencies, charity, money transfers, wholesale clubs and utilities
HSBC Bank publishes about ₹50,000 a month for salaried applicants, and it is usually issued above a 700 credit score. Meeting the criteria is not an approval — the issuer decides.
Cashback is credited straight to the account. There is no points programme and nothing to redeem.
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
HSBC RuPay Cashback Credit Card — 10% on dining, up to ₹400 per billing cycle. ₹499 a year.