What is the annual fee for the HSBC RuPay Cashback?

The annual fee for the HSBC RuPay Cashback is ₹499. It can be waived on annual spends of ₹2,00,000.

Does the HSBC RuPay Cashback offer airport lounge access?

Yes — the HSBC RuPay Cashback offers 8 domestic per year lounge visits, 2 international per year lounge visits.

What rewards does the HSBC RuPay Cashback earn?

It earns 1% on eligible spends as Cashback.

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RuPay Cashback — HSBC Credit Card | Card Manager

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HSBC

entry

•••• •••• •••• 0000

RuPay Cashback

RuPay

RuPay Cashback

HSBC • RuPay• Entry

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Annual Fee

₹499

Base Reward Rate

1.00%

Foreign Tx Fee

Tier

Entry

Joining Fee

₹499

Verified

2026-05-25

Airport Lounge Access

Domestic & international access details and eligibility criteria

domestic—

8 per yearmedium

✓ No activation spend required — access is unconditional.

2/qtr.

international

Earnings Projection

Estimate annual rewards based on your typical monthly spend

Other / General₹20,000/mo

+₹200

Dining₹5,000/mo

+₹400CAP

Grocery₹8,000/mo

+₹80

Fuel₹3,000/mo

—

Travel₹5,000/mo

+₹50

Online Shopping₹8,000/mo

+₹80

Utilities₹3,000/mo

+₹30

Annual earnings

₹10,080

Blended 1.62% effective return

Monthly spend₹52,000

Monthly earnings+₹840

Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.

Notes

0% forex until Dec 31, 2025 (temporary). JCB network. Requires ₹6L+ income, select metros.

Benefits & Perks

Rewards

Earns cashback (₹1 per point), credited to your statement each cycle — it doesn't build up as a balance.
auto-credited
1% base reward rate on all eligible spends
1.00%medium
Dining: 10% — Dining/food delivery/grocery.
10.0% · cap 400/momedium

—

2 per yearmedium

✓ No activation spend required — access is unconditional.

Forex

Zero forex markup — no extra fee on international card transactions
0% forex

Travel

domestic via direct: 8 per year — no spend needed
8/yearmedium
international via direct: 2 per year — no spend needed
2/yearmedium

Payments

Joining fee: ₹499. Annual: ₹499.
₹499
Annual fee waived on spending ₹2,00,000 per year.
Spend ₹2,00,000