HSBC India RuPay Cashback Card

Charge

• Finance charge: 3.75% per month (45% per annum) on extended credit and cash advances, computed from date of transaction.
• Cash advance transaction fee: 2.5% of transaction amount (minimum ₹500).
• Transaction fee for cash withdrawal against bank account at ATMs overseas: ₹100.
• At non-HSBC ATMs in India: NIL.
• Currency conversion charge: 3.5% on foreign currency transactions.
• Late payment fee: 100% of Minimum Payment Due, minimum ₹250 and maximum ₹1,200 per month (charged if minimum due not credited within 3 days of payment due date).
• Charge for bounced cheque/dishonoured SI/unsuccessful NACH payment: ₹500.
• Cash payment charge: ₹100 (at HSBC Branches and Drop boxes).
• Rental and related payments: 1% processing fee plus applicable taxes.
• Overlimit fee: 2.5% of overlimit amount or ₹500 (whichever is higher) + applicable GST.
• Balance transfer charges: rate of interest 10.99% p.a. to 15.99% p.a. across tenors, processing fee 1.5% subject to minimum of ₹200.
• All fees charged along with applicable taxes.

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Interest-free period

• Up to 45 days free credit period (RuPay Cashback Card).
• Not applicable for cash advance transactions and suspended if any balance of the previous month's bill is outstanding.

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Fuel surcharge waiver

• 1% fuel surcharge on fuel transaction value.
• Waiver applicable if transaction is made using HSBC Credit Card and transaction amount is between ₹400 and ₹4,000 (inclusive, excluding the surcharge amount).

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Milestone benefit

UPI Linkage & Cashback Offer for new HSBC RuPay Credit Cardholders (Platinum and Cashback variants) issued between 15 May 2026 and 31 July 2026: Complete 2 credit card linked UPI transactions of ₹250 or more within the first 30 days of card issuance and get ₹250 cashback (credited within 60 calendar days after completion of 30 days from issuance).

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Redemption value

• No separate rewards programme - card earns cashback which is credited directly to the credit card account and adjusted against the amount payable.
• Eligible cashback amount credited to the Credit Card account within 45 days of the statement date.

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Reward cap

Cashback across both categories (10% and 1%) is capped at ₹400 per statement.

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Reward exclusion

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Dining benefit

• Complimentary 2 months EazyDiner Prime Membership on activation of the card during the offer period (15 July 2025 to 31 July 2026).
• Prime benefits include guaranteed 25% to 50% discount at premium bars and restaurants (save up to ₹3,000), priority reservations, 2x EazyPoints.
• Other HSBC Credit Cards and Add-On Credit Cards not eligible.

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Travel benefit

• Cleartrip offer for HSBC RuPay Credit Cardholders (Offer Period 15 July 2025 to 31 August 2026) using coupon code HSBCRPCC for full swipe and HSBCRPEMI for EMI: Domestic Flights 12% off (max ₹1,600, MOV ₹6,000).
• International Flights 10% off (max ₹6,000, MOV ₹15,000).
• Domestic Hotels 20% off (max ₹5,000, MOV ₹5,000).
• International Hotels 20% off (max ₹5,000, MOV ₹5,000).

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Insurance

• Lost Card Liability cover: nil liability after reporting loss to HSBC.
• Cardholder is covered for misuse up to 24 hours before reporting and 7 days after reporting the loss, for up to ₹100,000 (provided by ICICI Lombard General Insurance Company Limited; all PIN-based transactions and counterfeit/pre-delivery frauds not covered; available to valid primary cardholders only).

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Statement credit

Paytm Recharges & Bill Payment Offer for HSBC RuPay Credit Cardholders (1 July 2025 to 31 July 2026) using promo code HSBCRUPAY: 5% off up to ₹150, minimum transaction value ₹299, valid once per card during the offer period on select bill payment/recharge categories (Mobile Prepaid & Postpaid, Broadband, DTH, Water Bill, Gas Cylinder, Piped Gas Bill, Electricity Bill).

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Eligibility

• UPI Linkage and Cashback Offer: new HSBC RuPay Credit Cardholders (Platinum and Cashback variants) issued between 15 May 2026 to 31 July 2026.
• Get ₹250 cashback on completing first two eligible credit-card linked UPI transactions of ₹250 or more each within the first 30 days of card issuance.
• Resident Indian cardholders with valid, active, non-hotlisted card and updated KYC.

Verified · harvested from product page · 2026-08-04 · source