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HSBC Cashback Credit Card credit card
Cashback

HSBC Cashback Credit Card

HSBC logo HSBC
6.4
CardTrail Score
Decent
out of 10
💰 Net Value
3.4
🔓 Accessibility
7.7
⚡ Feature Depth
5.0
🏦 Bank Trust
7.5
How we score →
Compare This Card Full Details
Annual Fee
₹999
Spend ₹2L/year
Forex Markup
3.5%
Reward Rate
1.5%
Up to 10%
Lounge Access
1
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
₹999
Joining Fee
₹999
Fee Waiver Condition
Spend ₹2L/year
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes

Reward Structure

Base Rate
1.5%
Max Rate
10%
Currency
Cashback
Welcome Bonus
₹1,000 cashback (on ₹20K in 30 days)

Lounge Access

Domestic Lounges
1
per quarter
International Lounges
0

Key Highlights

  • + 1.5% cashback on online spends
  • + 1% cashback on offline
  • + Straightforward cashback model

Compare With...

See how HSBC Cashback Credit Card stacks up against top alternatives

HDFC Diners Club Black card
HDFC Diners Club Black
HDFC
9.4
Compare
HDFC Diners Club Metal Edition card
HDFC Diners Club Metal Edition
HDFC
9.3
Compare
Axis Atlas card
Axis Atlas
Axis
9.1
Compare

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Quick Summary

Best For
cashback online shopping
Annual Fee ₹999
Base Reward 1.5%
Max Reward 10%
Forex Markup 3.5%
Network Visa
Min Income ₹3L+
Compare This Card

CardTrail Score

6.4
/ 10

Scored across rewards, fees, lounge access, forex, and overall value. Methodology.

Best For

cashback online shopping

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