HSBC RuPay Cashback Credit Card: rewards, caps and exclusions
The HSBC RuPay Cashback Credit Card pays 10% on Food, Groceries, on the first ₹4,000 of spend a month, and 1% on everything else. Below is every rate, cap and exclusion in HSBC India's published terms, as we last checked them on 27 August 2026.
What it earns
What earns nothing
Spend in these categories earns no rewards on this card, however it is paid for:
- Fuel
- Wallet loads
- Rent
- Education fees
- Government payments
- Insurance premiums
- Jewellery
- Gaming
- Tolls
- Cash withdrawals and fees
- Money transfers
Fees
- Annual fee: ₹499, plus 18% GST
- Joining fee: ₹499
- Annual fee waived on ₹2,00,000 of spend in a card year
- Foreign-currency markup: 3.5%
Where this comes from
Transcribed from HSBC India's own documents and checked against them on 27 August 2026:
Banks change these terms, sometimes with a month's notice. If a figure here disagrees with HSBC India's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.
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Other HSBC India cards
10% on Food, Groceries, Shopping, Bills
HSBC RuPay Platinum Credit Card≈0.53% on everything else
HSBC Taj Credit Card≈3.33% on Taj, SeleQtions, Gateway, Vivanta hotels and amã Stays & Trails bungalows
HSBC TravelOne Credit Card≈9.6% on Hotels via hsbc travel portal
HSBC Visa Platinum Credit Card≈0.53% on everything else