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DhanChakshu
Aapke Paise Ke Liye Sahi Nazar
Verified — 16/16 categories
HSBC · RuPay

HSBC RuPay Cashback Credit Card

Best forGroceries & Dining
Earns10% on groceries
1st Year / Joining Fee
₹499 + taxes
Renewal Fee
Not recorded
Fee waiver
₹2,00,000
annual spend
Network
RuPay

Why this card may suit you

Based on the card's verified terms.

  • Best suited to spending on groceries and dining, where it earns 10%
  • Annual fee is waived at ₹2,00,000 yearly spend

How you earn

Reward rates at a glance — exactly as recorded for this card.

Groceries10%
Dining10%
Food Delivery10%
Rent1%
Education1%
All 16 reward categories · 16 of 16 categories verified
CategoryRateCapCondition
Rent1%₹400 per month1% cashback on other eligible spend (Rent)
Details
Status
Verified
Source
SRC-HSBC-RUPAY-CB-PAGE
Issuer note
1% cashback on other eligible spend (Rent). Combined cashback subject to ₹400/month maximum. IEMI excluded.
Education1%₹400 per month1% cashback on other eligible spend (Education)
Details
Status
Verified
Source
SRC-HSBC-RUPAY-CB-PAGE
Issuer note
1% cashback on other eligible spend (Education). Combined cashback subject to ₹400/month maximum. IEMI excluded.
Insurance1%₹400 per month1% cashback on other eligible spend (Insurance)
Details
Status
Verified
Source
SRC-HSBC-RUPAY-CB-PAGE
Issuer note
1% cashback on other eligible spend (Insurance). Combined cashback subject to ₹400/month maximum. IEMI excluded.
Utilities1%₹400 per month1% cashback on other eligible spend (Utilities)
Details
Status
Verified
Source
SRC-HSBC-RUPAY-CB-PAGE
Issuer note
1% cashback on other eligible spend (Utilities). Combined cashback subject to ₹400/month maximum. IEMI excluded.
FuelNo reward——
Details
Status
Verified — no reward
Issuer note
Fuel excluded from cashback. Fuel surcharge waiver applies.
Groceries10%₹400 per month10% accelerated cashback on Groceries
Details
Status
Verified
Source
SRC-HSBC-RUPAY-CB-PAGE
Issuer note
10% accelerated cashback on Groceries. Combined cashback subject to ₹400/month maximum. IEMI excluded.
Dining10%₹400 per month10% accelerated cashback on Dining
Details
Status
Verified
Source
SRC-HSBC-RUPAY-CB-PAGE
Issuer note
10% accelerated cashback on Dining. Combined cashback subject to ₹400/month maximum. IEMI excluded.
Food Delivery10%₹400 per month10% accelerated cashback on Food Delivery
Details
Status
Verified
Source
SRC-HSBC-RUPAY-CB-PAGE
Issuer note
10% accelerated cashback on Food Delivery. Combined cashback subject to ₹400/month maximum. IEMI excluded.
Shopping1%₹400 per month1% cashback on other eligible spend (Shopping)
Details
Status
Verified
Source
SRC-HSBC-RUPAY-CB-PAGE
Issuer note
1% cashback on other eligible spend (Shopping). Combined cashback subject to ₹400/month maximum. IEMI excluded.
Travel1%₹400 per month1% cashback on other eligible spend (Travel)
Details
Status
Verified
Source
SRC-HSBC-RUPAY-CB-PAGE
Issuer note
1% cashback on other eligible spend (Travel). Combined cashback subject to ₹400/month maximum. IEMI excluded.
Government1%₹400 per month1% cashback on other eligible spend (Government)
Details
Status
Verified
Source
SRC-HSBC-RUPAY-CB-PAGE
Issuer note
1% cashback on other eligible spend (Government). Combined cashback subject to ₹400/month maximum. IEMI excluded.
Wallet1%₹400 per month1% cashback on other eligible spend (Wallet)
Details
Status
Verified
Source
SRC-HSBC-RUPAY-CB-PAGE
Issuer note
1% cashback on other eligible spend (Wallet). Combined cashback subject to ₹400/month maximum. IEMI excluded.
Railways1%₹400 per month1% cashback on other eligible spend (Railways)
Details
Status
Verified
Source
SRC-HSBC-RUPAY-CB-PAGE
Issuer note
1% cashback on other eligible spend (Railways). Combined cashback subject to ₹400/month maximum. IEMI excluded.
FASTag1%₹400 per month1% cashback on other eligible spend (FASTag)
Details
Status
Verified
Source
SRC-HSBC-RUPAY-CB-PAGE
Issuer note
1% cashback on other eligible spend (FASTag). Combined cashback subject to ₹400/month maximum. IEMI excluded.
Jewellery1%₹400 per month1% cashback on other eligible spend (Jewellery)
Details
Status
Verified
Source
SRC-HSBC-RUPAY-CB-PAGE
Issuer note
1% cashback on other eligible spend (Jewellery). Combined cashback subject to ₹400/month maximum. IEMI excluded.
Telecom1%₹400 per month1% cashback on other eligible spend (Telecom)
Details
Status
Verified
Source
SRC-HSBC-RUPAY-CB-PAGE
Issuer note
1% cashback on other eligible spend (Telecom). Combined cashback subject to ₹400/month maximum. IEMI excluded.

“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.

Cost & caps

What it costs to hold, and where rewards stop.

1st Year / Joining Fee
₹499 + taxes
Renewal Fee
Not recorded
Fee waiver
₹2,00,000
annual spend
Reward caps
  • Dining — ₹400 / month (shared cap — Dining)

Key benefits

Rewards
10% on groceries
Fuel surcharge waiver
1% fuel surcharge waiver for transactions between ₹400 and ₹4,000 up to monthly cap
Fee waiver
Annual fee waived on ₹2,00,000 annual spend

Important to know

Limits and exclusions that change what you earn.

  • Dining rewards are capped at ₹400 / month (shared cap — Dining)
  • No reward on: Fuel

Who should consider this card

✓ Good fit if
  • Your spending is concentrated in groceries, dining, food delivery
  • You can reach the ₹2,00,000 annual spend that waives the fee
△ Less useful if
  • Much of your spending is in fuel, which earn nothing
  • You cannot reach the fee-waiver spend and would pay the annual fee
Compare with another card →Read card guides →

Full details

Everything else, expanded on demand.

Caps & exclusions · 1 caps · 1 no-reward categories
Caps
  • Dining — ₹400 / month (shared cap — Dining)
Categories with no reward or not eligible
  • Fuel — No reward.
Milestones · none recorded

No milestone benefit is recorded for this card.

Eligibility

Subject to HSBC's underwriting and eligibility criteria. See the issuer's terms for current requirements.

Specifications
  • Payment network: RuPay
  • Airport lounge: Not recorded by DhanChakshu — check the issuer terms
  • Fuel surcharge waiver: 1% fuel surcharge waiver for transactions between ₹400 and ₹4,000 up to monthly cap. GST is not waived.
  • Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
What DhanChakshu couldn't fully verify · 2 areas

2 areas need further verification. None of these are counted as zero.

  • • Lounge benefit — not recorded; check the issuer terms
  • • Foreign-currency markup — not recorded; check the issuer terms

Sources & verification

Verification & sources · last checked 2026-09-23

Verification coverage: All 16 categories verified

Card record last checked: 2026-09-23

Documents used
HSBC RuPay Cashback product page; 10% dining/groceries, 1% other, ₹400/mo cap, ₹499 fee · SRC-HSBC-RUPAY-CB-PAGE
HSBC tariff schedules and international transaction fee schedules · SRC-HSBC-FEE-SCHEDULE
HSBC RuPay Cashback Credit Card₹499 1st year