HSBC Cashback Credit Card - Features, Benefits, Fees & Charges

HSBC Cashback Credit Card (3.8)

Cashback Best For: Cashback
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Get cashback on all your daily expenses with the HSBC Cashback Credit Card! This credit card has a two-tiered cashback structure that offers different rates for different spending categories. It provides a 10% accelerated cashback on all dining, food delivery, and grocery spends, and a 1.5% unlimited cashback on all other expenses. Additionally, you can enjoy 4 free domestic lounges per year and many more benefits. The card comes with a joining and annual fee of ₹999. Keep reading to learn more.

Features and Benefits

Aspects that make spending using this card lit as the sun!

Welcome Bonus
Travel
Fuel
Rewards
Shopping
Cashback
Dining
Insurance
Interest
Lounge
Welcome Bonus

Amazon voucher worth ₹1000 on spending ₹10000 within the first 30 days.

Cashback Benefit
  • 10% accelerated cashback on all dining, food delivery, and grocery spends (capped up to 1000 per billing cycle)
  • 1.5% unlimited cashback on all other spends.
  • Cahsback Rate: 1.5% to 10%
Zero Lost Card Liability

If your HSBC Cashback Credit Card is lost, you won't be held responsible for any transactions made on the card once you report the loss and register it.
You are also protected against any unauthorized use of your HSBC Cashback Credit Card for a period of up to 24 hours before reporting the loss, with a maximum coverage of ₹3,00,000.
 

Lounge Access

4 free domestic lounge visits per year capped at 1 per quarter.

Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Charges

Joining Fee

₹999

Annual Fee

₹999

Annual Percentage Rate

41.88%

Add-on Card Fee

Free

Minimum Repayment Amount

5%

Cash Withdrawal Fee

2.5%

Cash Advance Limit

20%

Card Replacement Fee

₹100

Foreign Transaction Fee

3.50%

Over Limit Penalty

₹500

Fuel Transaction Surcharge

1%

Reward Point Value

10%
Late Payment Charges

Balance from ₹100 to ₹250

₹100

Balance from ₹250 to ₹500

₹250

Balance from ₹500 to ₹1500

₹1200
Pros

Aspects that make this credit card amazing.

  1. 4 free access to airport lounges.
  2. Cashback of 1.5% on all online spends.
  3. 10% accelerated cashback on all dining, food delivery and grocery spends.
Cons

Aspects this credit card lacks.

  1. HSBC Cashback card has an annual fee of ₹999 and is waived off only on spending ₹2 lakh or more in a year.
  2. Cashback is capped at ₹1,000 per billing cycle for dining, food delivery, and grocery spends.
  3. No cash back on fuel, rent payments, education and government-related transactions.
  4. HSBC Cashback credit card is only given to people who reside in Bangalore, Chennai, Gurgaon, Hyderabad, Mumbai, New Delhi, Noida, and Pune.
HSBC Cashback Rating & Reviews

This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.

Charges

(3.5)

Rewards

(4)

Customer Service

(3.5)

HSBC Cashback Credit Card Review

The HSBC Cashback Credit Card is a great option for those who spend a lot on food-related categories and want to save money through cashback on all their purchases. This card offers an accelerated cashback rate on food-related expenses and a flat 1.5% cashback rate on everything else, making it a straightforward way to save money. A welcome voucher is included, but it only applies if you meet the spending requirement. Additionally, the card provides complimentary access to domestic lounges, which is convenient for domestic air travel. However, if you're looking for more extensive travel benefits or benefits specific to other categories, this card may not be the ideal choice for you.

Cards similar to HSBC Cashback Credit Card:

1. Axis Bank Ace Credit Card
2. HDFC Millennia Credit Card
3. SBI Cashback Credit Card

Overview

Joining and Annual Fee

₹999 plus applicable taxes

Welcome Bonus

Amazon voucher worth ₹1000 on spending a minimum ₹10,000 within 30 days.

Best For

Cashback

Card Type

Regular

Card Network

Visa

Cashback on HSBC Cash Back Credit Card

Spend Category

Cashback Rate

Capping

Dining, food delivery, and groceries

    10%

₹1000 per billing cycle

All other spends

    1.5%

Unlimited

Who Should Opt for HSBC Cashback Credit Card?

The HSBC Cashback Credit Card is a good option for people who:

  • Want to earn cashback on all types of spending, with a focus on dining, food delivery, and groceries
  • Do their grocery shopping online or offline
  • Travel frequently and want to enjoy complimentary domestic lounge visits
  • Prefer a cash back credit card over reward credit cards

How to apply for HSBC Cashback Credit Card?

To apply for HSBC Cashback Credit Card, follow the below steps:

Step 1: Visit select.finology.in and click on 'Credit Card' tab.
Step 2: Click on Card Issuers, where you will see a list of banks that issue credit cards.
Step 3: Choose HSBC Bank from the list.
Step 4: Choose ‘HSBC Cashback Credit Card’ and click on 'Apply Now' button.
Step 5: Provide the required consent and then you will be redirected to a page where you need to fill in your mobile number and PAN card number.
Step 6: Fill in the credit card application form and attach the documents required.

HSBC Cashback Credit Card Eligibility

  • You must be aged between 18 and 65,
  • Your annual income must be at least ₹400000 per annum (for salaried individuals)
  • You must be an Indian resident.
  • You must reside in any of the following cities: Bangalore, Chennai, Gurgaon, Hyderabad, Mumbai, New Delhi, Noida, and Pune.

Documents Required

  • Proof of Identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
  • Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
  • Proof of Income: Latest one or two salary slips (not more than three months old), latest Form 16, and the last 3 months’ bank statement.
HSBC Bank Cards Issued & Spends

Keep an eye on the credit card's monthly performance through the number of cards issued and the cumulative transaction value!

Bank name:

HSBC Bank

HSBC Bank Credit Card Customer Care Number:

1800 267 3456/ 1800 121 2208

Email Support:

cardsupport@hsbc.co.in

HSBC Bank Card Offers:

View Offers

Total Cards:

6,47,283
HSBC Bank Credit Card News

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HSBC Cashback Customer Reviews

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Frequently Asked Questions

You can redeem your cashback for statement credits, gift vouchers, or merchandise. To redeem your cashback, you can log in to your HSBC NetBanking account or call HSBC Customer Service.

To cancel your HSBC Cashback Credit Card, you can call HSBC Customer Service.

Cashback is not earned on the following types of transactions:

  • Cash advances
  • Balance transfers
  • Foreign currency transactions
  • Transactions made at government agencies
  • Utility bill payments
  • Insurance payments
  • School fees
  • Fuel payments
  • Transaction fees

Your credit limit is the maximum amount of money you can borrow on your HSBC Cashback Credit Card. Your credit limit is set by HSBC based on your credit score, income, and other factors.

You can activate your HSBC Cashback Credit Card by performing a PIN-based transaction at any HSBC ATM or by calling HSBC Customer Service.

The joining fee for the HSBC Cashback Credit Card is rs 999. The annual fee is also Rs 999, which will be reversed in full if your total annual spend exceeds Rs 200,000.

To be eligible for the HSBC Cashback Credit Card, you must be an Indian resident with a good credit score. You must also be over the age of 18.

You can make a payment on your HSBC Cashback Credit Card online, through HSBC NetBanking, or by calling HSBC Customer Service.

Cashback is credited to your HSBC Cashback Credit Card account at the end of each billing cycle.

The HSBC Cashback Credit Card is a credit card that offers cashback on all purchases made using the card. You can earn 10% cashback on all dining, food delivery, and grocery spends, and 1.5% unlimited cashback on all other spends. Cashback is capped at Rs 1,000 per billing cycle for dining, food delivery, and grocery spends.

You can apply for the HSBC Cashback Credit Card online or by calling HSBC Customer Service.

The HSBC Cashback Credit Card offers a number of benefits, including:

  • Cashback on all purchases
  • No cap on cashback on other spends
  • Annual fee reversal on meeting annual spend criteria
  • Complimentary domestic lounge visits
  • Fuel surcharge waiver
  • Extended warranty on purchases
  • Fraud protection

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