Core Rewards :
  • 1.5% Earn 1.5% Cashback on online spends.
  • 1% Earn 1% Cashback on offline spends.
  • 5% Earn 5% Cashback on Amazon on spending more than Rs. 1,000
Milestone Rewards :
  • Monthly : N/A
  • Quaterly : N/A
  • Annual : N/A
No rewards on spends : Wallet Reload
Rewards Redemption
How to Redeem :
  • Cashback in form of Statement Credit
Redemption options : Cashback
Redemption fee : Nil
Transfer partners : N/A
Complementary Benefits
Lounge access :
  • Domestic Lounge : N/A
  • International Lounge : N/A
  • Railway Lounge : N/A
Insurance Benefits :
  • Lost card liability : 3,00,000
  • Personal accidental insurance : N/A
  • Air accidental insurance : N/A
Other Benefits :
  • Lounge Membership : N/A
  • Memberships Available With Cards : N/A
  • Spa Benefits : N/A
Golf Benefits :
  • Lessons : N/A
  • Games : N/A
Joining fees : 0
Annual fees : 750
Welcome Benefits : N/A
Quaterly Benefits : N/A
Annual Benefits : N/A
Forex markup charges : 3.5%
Fee reversal criteria : Spend Rs. 1,00,000 in a year
Minimum age : 21
Minimum ITR : 4,80,000
Minimum Salary : 34,000

HSBC Cashback Credit Card Welcome Benefits

The HSBC Cashback Credit Card offers a cashback on your purchases, typically ranging from 1.5% to 3.5%. The specific cashback rates may vary depending on your spending patterns, and there may be caps or limits on the cashback you can earn. The card also comes with occasional promotions and offers that can provide additional value to cardholders. Please check with HSBC for the most current details and offers.

HSBC Cashback Credit Card Reward Points/Cashback

  • 1.5% cashback on online spends.
  • 1% cashback on offline spends.
  • 5% cashback on Amazon for transactions over Rs. 1,000.
  • "Buy 1 Get 1 Free" on movie tickets on Saturdays.
  • Up to 15% dining discount at select restaurants.
  • 4 complimentary domestic lounge access per year.
  • Rs. 3,00,000 insurance coverage against card misuse.
  • Zero liability protection for card loss or theft.
  • Cashback credited within 45 days of the statement date.

HSBC Cashback Credit Card Reward Point Redemption

  • Redemption: Redeem cashback as a statement credit, no fee.
  • Welcome Gifts: Spend Rs. 10,000 in the first 30 days for a Rs. 1,000 Amazon voucher.
  • Cashback: 10% cashback on dining, grocery, and food delivery (up to Rs. 1,000 per cycle), 1.5% unlimited cashback on other spends. Excludes fuel, insurance, rentals, education, government transactions, and jewelry.
  • Movie & Dining: Buy 2 movie tickets and get 1 free on Saturdays, 30% off at EazyDiner.
  • Lounge Access: Four complimentary domestic lounge visits per year.
  • Insurance: Rs. 3,00,000 insurance against card misuse.
  • Transfer Partners: Not applicable.

Pros of HSBC Cashback Credit Card

  • Generous Cashback: Earn cashback on various categories, including dining and groceries.
  • Entertainment Perks: Get movie discounts and dining offers.
  • Complimentary Lounge Access: Access to domestic airport lounges.
  • Insurance Cover: Protection against card misuse.
  • Accelerated Cashback: Higher rewards in specific categories.
  • Convenient Redemption: Cashback credited as a statement credit.
  • No Redemption Fee: No extra charges for cashback redemption.
  • Fuel Surcharge Waiver: Potential fuel savings at partner stations.

Cons of HSBC Cashback Credit Card

  • Limited travel benefits.
  • Restrictions on eligible spending categories.
  • Cap on cashback for dining, grocery, and food delivery.
  • Limited redemption options.
  • Welcome offer validity is time-limited.
  • No fuel surcharge waiver.
  • High-interest rate.
  • Lounge access limited to domestic lounges with a cap on the number of visits.

HSBC Cashback Credit Card Benefits

  • Welcome benefits include an Amazon voucher and cashback on eligible transactions.
  • Cashback rewards include 10% accelerated cashback on dining, grocery, and food delivery.
  • Additional cashback of 1.5% is available on all other transactions.
  • Enjoy a "Buy 1 Get 1" offer on movie tickets when booking through BookMyShow on Saturdays.
  • Get 30% off at EazyDiner with this credit card.
  • Receive complimentary domestic lounge access (4 visits per year, one each quarter).
  • Benefit from an insurance cover worth Rs. 3,00,000 against card misuse when reported within 24 hours.

HSBC Cashback Credit Card Charges and Fee

  • No joining fee is applicable.
  • There is an annual fee of Rs. 750.
  • The card offers no quarterly or annual benefits.
  • A forex markup charge of 3.5% is applied to foreign currency transactions.
  • Fee reversal criteria for the annual fee: Spend Rs. 1,00,000 in a year.
  • The renewal fee can be waived on an expenditure of Rs. 2,00,000 in the previous year.
  • Rewards redemption fee is not applicable.
  • A 3.5% + GST foreign currency markup is charged on all international transactions.
  • The card has an interest rate of 3.49% per month (41.88% annually).
  • A 1% fuel surcharge is applicable on fuel transactions.
  • Cash advance charges are 2.5% of the withdrawn amount, with a minimum of Rs. 500.
  • There is no add-on card fee.