Cashback
HSBC Cashback Credit Card
HSBC 6.4
CardTrail Score
Decent
out of 10
Annual Fee
₹750
Spend ₹1L/year
Forex Markup
3.5%
Reward Rate
0.5%
Up to 1.5%
Lounge Access
4
domestic | 0 intl
About This Card
HSBC Cashback is a straightforward card — 1.5% on online, 1% on offline, all as cashback. No points to track or redeem. HSBC's limited India presence makes service a concern. Better cashback cards exist (Axis ACE, OneCard).
Pros & Cons
Pros
- Zero joining fee
- Simple cashback — no points confusion
- 1.5% on online is decent
- HSBC's global banking
Cons
- Low overall cashback rates
- 3.5% forex
- HSBC has limited India presence
- Better cashback options exist
Fee Details
Annual Fee
₹750
Joining Fee
Free
Fee Waiver Condition
Spend ₹1L/year
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes
Reward Structure
Base Rate
0.5%
Max Rate
1.5%
Currency
Cashback
Welcome Bonus
₹750 cashback (on ₹1L in 90 days)
Lounge Access
Domestic Lounges
4
per quarter
International Lounges
0
Key Highlights
- + 1.5% cashback on online spends
- + 1% cashback on offline
- + Straightforward cashback model
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Quick Summary
Best For
cashback online shopping
Annual Fee ₹750
Base Reward 0.5%
Max Reward 1.5%
Forex Markup 3.5%
Network Visa
Min Income ₹3L+
CardTrail Score
Best For
cashback online shopping
