CardComparison.in
๐Ÿ  Home
๐Ÿƒ All Cards
โ‡„ Compare Cards 0
โš”๏ธ Card vs Card NEW
โ™ฅ My Wishlist
๐Ÿ“ Card Guides & Tips
Compare:
+ Add a card
+ Add a card
+ Add a card
cardcomparison.in
Last updated: 01-06-2026
HSBC Cashback Credit Card
HSBC Bank

HSBC Cashback Credit Card

"HSBC's flat cashback card โ€” 1.5% unlimited cashback on all spends with no category restrictions, plus 4 domestic lounge visits per year"

No ratings yet โ€” be the first to rate below!

Quick Summary
๐Ÿ’ณ Joining Fee
โ‚น750 + GST
๐Ÿ”„ Renewal Fee
โ‚น750 + GST
Waived: Annual fee waived on spending โ‚น1 lakh or more in the membership year
๐ŸŽฏ Best Suited For
Those who want simple unlimited cashback without tracking categories or merchants; customers who dislike reward point systems and prefer auto-credited statement cashback
๐ŸŽ Reward Type
Direct Cashback โ€” auto-credited as statement credit within 45 days; no reward points or portals
๐ŸŽ‰ Welcome Benefit
โ‚น750 cashback on spending โ‚น10,000 within 30 days of card issuance โ€” effectively covers joining fee
๐Ÿ’ฐ Reward Rate
1.5% unlimited cashback on all eligible spends with no cap and no category restrictions; cashback auto-credited; excludes fuel, rent, wallet loads, government, insurance, utilities above threshold
โœˆ๏ธ Lounge Access
4 complimentary domestic airport lounge visits per year (1 per quarter) at select partner lounges
๐Ÿ’ต Cashback Rate
1.5% unlimited on all eligible spends โ€” no category restrictions
โญ Rate this Card
Click to rate
โœ… Pros
  • Simple 1.5% unlimited cashback on ALL spends โ€” no categories to track
  • Cashback auto-credited โ€” zero effort
  • โ‚น750 welcome cashback covers joining fee
  • 4 domestic lounge visits per year
  • Easy โ‚น1L fee waiver
  • BookMyShow Saturday Buy 2 Get 1
โŒ Cons
  • Available only in select cities
  • High forex markup 3.5%
  • No fuel surcharge waiver
  • Generally not available to self-employed
  • 1.5% flat rate lower than category-specific cards on their best categories

๐ŸŽ Rewards & Benefits

Reward Type
Direct Cashback โ€” auto-credited as statement credit within 45 days; no reward points or portals
Welcome Benefits
โ‚น750 cashback on spending โ‚น10,000 within 30 days of card issuance โ€” effectively covers joining fee
Reward Rate
1.5% unlimited cashback on all eligible spends with no cap and no category restrictions; cashback auto-credited; excludes fuel, rent, wallet loads, government, insurance, utilities above threshold
Reward Redemption
Cashback auto-credited โ€” no redemption needed; credited within 45 days of statement date
Fuel Surcharge Waiver
No fuel surcharge waiver
Lounge Access
4 complimentary domestic airport lounge visits per year (1 per quarter) at select partner lounges
Spend Based Fee Waiver
Annual fee waived on โ‚น1 lakh annual spend
Milestone Benefits
Annual fee waiver on โ‚น1L spend; welcome cashback โ‚น750
Other Benefits
Simple unlimited 1.5% cashback on everything; 4 domestic lounge visits per year; Buy 2 Get 1 on movie tickets via BookMyShow on Saturdays (free ticket up to โ‚น250); dining offers via HSBC India app; contactless payments; available in select cities only

โœจ Special Perks & Exclusive Offers

Memberships
Details coming soon
Insurance Cover
Zero unauthorized use cover on timely reporting
Add-on Cards
Add-on cards at no extra fee
Concierge Services
Details coming soon
Special Offers
1.5% unlimited cashback; BookMyShow Saturday Buy 2 Get 1; 4 domestic lounge visits

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
โ‚น750 + GST
Annual Fee / Renewal Fee
โ‚น750 + GST
โœ“ Waived on: Annual fee waived on spending โ‚น1 lakh or more in the membership year
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
3.75% per month (45% per annum)
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โ‚น500
Late Payment Charges
100% of Minimum Payment Due, minimum โ‚น250, maximum โ‚น1,200
Over Limit Charges
As per HSBC prevailing policy
Cheque Bounce / Auto-Debit Return
Details coming soon
Other Charges
Available only in select cities; generally not available to self-employed; high forex markup 3.5%; no fuel surcharge waiver

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 18 to 65 years (salaried); minimum annual income โ‚น6 lakh; resident of eligible cities; Indian citizen
Credit Score Requirement
720+ CIBIL recommended
Credit Limit
Based on income and HSBC credit assessment

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Available on transactions; tenures 3 to 24 months
Balance Transfer Facility
Available from other bank credit cards
Balance Transfer Interest Rate
As per HSBC prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via HSBC India app
Instant Fraud Alerts
SMS and email alerts; real-time controls via HSBC India app
Purchase Protection
Zero unauthorized use cover on timely reporting
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Cover for unauthorized transactions on timely reporting

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1800 267 3456 (toll-free, 24x7 for card loss)
Chat / Email Support
Chat via HSBC India app
Mobile App
HSBC India app: manage card, track cashback, pay bills, contactless controls
Online Banking
Full management via HSBC India website and app

Last updated: 01-06-2026

โญ User Reviews

Leave a Reply

Your email address will not be published. Required fields are marked *

1 + 4 = ?

๐Ÿƒ Related Cards You Might Like

ยฉ 2026 CardComparison.in โ€” All rights reserved.
Disclaimer: Information is for comparison purposes only. Verify details directly with the issuing bank before applying. CardComparison.in is not a bank or financial advisor.
Printed: 23 Oct 2026, 09:32 PM
cardcomparison.in