HSBC India
Platinum · Cashback
HSBC Cashback Credit Card
HSBC India
Flat cashback on every spend — no categories to track
Annual Fee
₹750
Joining Fee
₹750
Reward Rate
1.5%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹11,115
Total Annual Benefits
₹12,000
Total Annual Charges
₹885
ROI
1355%
Fee Waiver Available
Annual fee waived on spending ₹1 Lakh in the preceding year — ₹1,00,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Cashback Benefits (1)
1.5% Flat Cashback on All Spends
Earn 1.5% cashback on every transaction with no category restrictions or capping
- • No category restrictions
- • No minimum redemption threshold
1.5% cashback
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on fuel transactions
- • Valid on transactions ₹400–₹4,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/yr
Reward Program
Program
HSBC Cashback
1.5% flat cashback on all spends
Effective cashback: 1.50%
Points expire: Cashback credited directly to statement — no expiry
Redemption Options
- → Automatic statement credit
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹750 Excluding GST |
| Annual Fee | ₹750 Excluding GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.15%
- Late Payment Fee
- ₹1,000
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹20
- Other Bank Withdrawal
- ₹20
- Intl. Withdrawal Fee
- 2.5% + ₹125
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹4,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹40,000
- Min. Annual Income
- ₹5,00,000
- Min. Credit Score
- 700
- Age Range
- 21 – 60 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Gross Monthly Income > ₹40,000
- • Self-Employed: ITR > ₹5 Lakh p.a.
- • Subject to credit assessment
Airport Lounge Access
Domestic
0 visits/year
Not included
International
0 visits/year
Not included
- • Lounge access not included with this card
Transaction Limits
ATM Withdrawal / Day
₹25,000
POS & E-Commerce / Day
₹2,50,000
Contactless / Txn
₹2,000
Features
Contactless payments EMV chip security Domestic usage Add-on cards available EMI conversion facility Auto cashback to statement — no redemption needed HSBC mobile app and internet banking
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12, 18, 24 months
Processing Fee
1%
Ready to Apply?
The HSBC Cashback Credit Card offers a simple and straightforward 1.5% flat cashback on all spends without any category restrictions or caps. With no ...
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