HSBC Cashback Credit Card
HSBC · VISA★ 4.2/ 5
✓ Details last verified 1 Jan 2025
↻ Hover or tap to flip
Key features
What this card is built to do — the highlights that actually matter.
10% on Dining
10% cashback on dining (cap ₹1,000/month)
1.50% on Other
1.5% unlimited cashback on all other spends
🍽️ FOOD & DINING BENEFITS
Dining rewards, food delivery cashback and partner benefits.
10.0%
Dining cashback rate
PARTNER PLATFORMS
- 10% cashback on dining and food delivery
- Accelerated earn on: Swiggy, Zomato, restaurant dining
💰 CASHBACK STRUCTURE
How much you earn back on each type of spend — no points math required.
10.0%
dining cashback
1.5%
Base rate (all other spends)
₹1,000
Monthly cap (accelerated)
- 10% cashback on dining
- 1.5% on all other spends — no restrictions
- Accelerated cashback capped at ₹1,000/month
HSBC Cashback keeps it simple: 1.5% on all online spends, 1% offline, 10% on dining (capped ₹1,000/month). No categories to track, no portals, no minimum. Cashback auto-credits to your statement. Supriya spends ₹10,000/month online: that's ₹1,800/year back, plus ₹1,000/month dining cap if she hits it. No complications.
Who is this for?
For HSBC account holders who want simple, automatic cashback without managing a reward programme. If you currently earn 0% on a basic debit card and want to upgrade with minimum effort, HSBC Cashback is the cleanest option — just use it and cashback appears on your bill.
At a glance
Full reward structure
What you earn on every rupee, per spend category. Rates assume 1 pt = ₹1.00. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Dining | cashback | 10% | ₹1,000 |
| Other | cashback | 1.50% | — |
Dining: 10% cashback on dining (cap ₹1,000/month) · Swiggy,Zomato,restaurant dining
Other: 1.5% unlimited cashback on all other spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
Perks & benefits
Estimated annual value beyond rewards.
1% fuel surcharge waiver
Should you get it?
- Best for: Everyday spenders, Online shoppers
- Mid tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on Dining (10% back).
Pros
- Strong rewards that can offset the annual fee for the right spender
- Simple, accessible entry/mid-tier card
Cons
- Annual fee applies unless the spend-based waiver is met
- Fewer premium travel and lifestyle perks
Eligibility & documents
DOCUMENTS REQUIRED
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Statement credit / cashback adjustment
- 🎁Online rewards catalogue (vouchers, merchandise)
- 🎁Flight & hotel bookings via the issuer rewards portal
- 🎁Airline / hotel partner point transfers (on eligible cards)
What your cashback are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Direct cash adjustment — no conversion
The concern
HSBC's thin India footprint means weak offers and slow service escalation compared to local giants.
Bottomline
CardAdvisor Rating: 4.2 / 5HSBC Cashback is the card for people who refuse to manage a rewards programme, and that is a legitimate strategy. The 10% dining cap adds spice to a simple base. It will never be optimal; it will always be fine.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the HSBC Cashback Credit Card are taken from HSBC's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2025. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Similar & related cards
Other cards worth comparing before you apply.
HSBC Live+ Credit Card
Same tier with similar rewards
Standard Chartered Super Value Titanium Credit Card
Comparable SC option
HDFC Millennia Credit Card
Comparable HDFC option
ICICI Bank Coral Credit Card
Comparable ICICI option
SBI Cashback Credit Card
Comparable SBI option
Standard Chartered DigiSmart Credit Card
Comparable SC option
Read more
Guides and reviews related to this card.
Want to know if this beats your current card for your spending?