HSBC Cashback Credit Card

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HSBC Cashback
Credit Card

If you are looking for a cashback credit card, HSBC Cashback Credit Card is the best choice. The card is enabled with VISA Paywave technology, allowing contactless payments on your card. This globally accepted card gives you unlimited cashback on all transactions. On top of that, the card comes with Rs. 999/- joining fees. Apply now and get offer of Rs 1000/- cashback voucher*.

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On HSBC Website

HSBC Cashback Credit Card d9f192ed28

Updated: 08-05-2024 03:47:11 PM

Key Highlights of HSBC Cashback Credit Card

Best for Cashback
Joining fee Rs. 999/-
Annual membership fees Rs. 999/- (waived off on Rs. 200,000 on annual spends)
Cashback 1.5% cashback on online spends & 1% on others with no cap
Complimentary airport lounge access 4 complimentary domestic lounge visits per year (1 per quarter)
Annual income required At least Rs. 4,00,000 per annum (for salaried individuals)
Required age 18 to 65 years

Features & Benefits of HSBC Cashback Credit Card

Following are the key HSBC Cashback Credit Card benefits and features:

Welcome Benefit

You will receive a voucher worth INR 1000 if you make at least INR 10000 worth of transactions within the first 30 days. TnC’s apply

Joining Benefit

  • Win Amazon e-gift voucher worth Rs. 250 on completing online credit card application and video KYC.

Offers

  • 10% cashback on all dining, food delivery and grocery spends
  • 1.5% unlimited cashback on all other spends (exclusions apply)*of funds to an online wallet).
  • 4 complimentary domestic lounges per year (1 per quarter)
  • Cashback is also available on the Instant EMI facility on your card across listed merchants.
  • Cashback will be credited within 45 days of the card statement date.

Exclusive Monthly Offers

  • 5% discount on spending Rs. 1,000 or above on Amazon (maximum Rs. 250 per card per calendar month) on multiple eligible transactions. The offer will not be valid during the Amazon Great Indian Festival Sale period.
  • Flat Rs. 50 off on postpaid utility payments of Rs. 500 (maximum Rs. 200 in a calendar month per card) done through Amazon Payup to 4 times in a calendar month per card.
  • 30% instant discount (up to Rs. 600) on EazyDiner on a minimum order value of Rs. 1,000. Offer valid once per month per card.
  • Flat 10% discount (up to Rs. 100) on Binkit. Use Promo Code HSBC10. Maximum discount Rs. 300 on first 3 eligible transactions in a calendar month.
  • Flat 10% savings (up to Rs. 150) on ordering prescribed medicines from PharmEasy. Complimentary 3 month PharmEasy plus membership

Partner Offers

  • Buy-one-get-one-free movie tickets (up to Rs. 250) on bookings done through BookMyShow on Saturdays.
  • 15% instant discount on select products at Tata CLiQ in Lifestyle, Electronics and Luxury categories.

Joining & Annual Fees

  • Joining fees of INR999
  • Annual membership fees INR999 (to be reversed if your total annual spend exceeds INR 200,000)

Other Benefits

  • Zero liability for lost cards. Up to Rs. 3,00,000 cover for any misuse of your HSBCCashback Credit Card for up to 24 hours before reporting and registering the loss.
  • Emergency card replacement if you lose your card. Just call Visa Global Assistance Services or HSBC Helpline numbers.

HSBC Cashback Credit Card Fees & Charges

Following are the fees and charges associated with the HSBC Cash Back credit card:

  • Standard joining fee: Rs. 999/-
  • Standard annual fee: Rs. 999/- (Waived off on annual spends of Rs. 2,00,000 or above).
  • Standard annual fee for Premier Customers: Nil.
  • Finance charges on extended credit: 3.49% p.m. (41.88% p.a.).
  • Late payment fee: 100% of the minimum payment due (minimum Rs. 250 & maximum Rs. 1,200 p.m.).
  • Currency conversion charge for foreign currency transactions: 3.5%.
  • Cash payment charge: Rs. 100.
  • Minimum Payment Due (MPD) on credit usage: Minimum Rs. 100 interest will be charged on the extended credit.
  • Bounced cheque/ dishonoured SI/ unsuccessful NACH payment: Rs. 500.
  • Cash advance limit: Up to 20% of the credit limit.
  • Transaction fee for cash advances at branches & ATMs: 2.5% of the transaction amount (minimum Rs. 500).
  • Transaction fee for cash withdrawal at ATMs overseas: Rs. 100.
  • Overlimit fee: Rs. 500 p.m.

HSBC Cashback Credit Card Eligibility Criteria

You can apply for an HSBC Cashback Credit Card on meeting the following eligibility criteria:

  • You must be an Indian resident.
  • You must be aged at least 18 years and a maximum of up to 65 years old.
  • Your annual income must be a minimum of Rs. 4,00,000 per annum (if salaried individuals).
  • You must reside in New Delhi, Noida, Bangalore, Chennai, Gurgaon, Hyderabad, Mumbai, or Pune.

HSBC Cashback Credit Card Documents Required

You will need to submit the following documents to apply for an HSBC Cashback Credit Card along with the filled-in and signed application form:

  • Recent passport-size photograph (self-attested) of the applicant.
  • Salary slip/ salary certificate if you are employed by a Multinational Corporation (MNC).
  • A copy of your credit card’s front side and latest credit card statement if you have other credit cards).
  • A copy of your latest salary slip and bank statements last 3 months showing salary credits if you are a salaried employee working in a private limited company.
  • Permanent Account Number (PAN) card or Form 60.
  • A copy of a valid photo identity document (self-attested) like a Passport/ Election ID/ Voter’s ID/ Permanent Driving Licence/ PAN Card/ Aadhaar Card/ National Rural Employment Guarantee Act (NREGA) job card.
  • A copy of a valid address proof document (self-attested) like a Passport/ Election ID/ Voter’s ID/ Permanent Driving Licence/ Society Outgoing Bill/ Electricity Bill/ Water Bill/ Telephone Bill/ Pipeline Gas Connection Bill/ Property Tax/ Domicile Certificate with address issued by Municipal Corporation/ Registered Rent or Lease Agreement/ Government Employee ID Card/ Defence ID Card/ Aadhaar Card/ National Rural Employment Guarantee Act (NREGA) job card.

*Please note that the above list of documents is for reference purposes only. Additional documents may be required by the bank during the process of credit card application.

You can apply for an HSBC Cashback credit card through Banking vidhya.

  • Click on the “Apply Now” button.
  • You will be redirected to the HSBC Bank website.
  • Fill in the required details and submit.
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Apply for HSBC credit cards and enjoy various privileges like lounge access, 10X reward points, cashback, and many more.

HSBC Cashback Credit Card FAQs

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The HSBC Cashback Card’s credit limit is given at the discretion of the bank. The bank will conduct thorough checks before assigning you a specific limit. Some of the factors that play a major role in deciding your credit limit are your credit score, credit report, and past/existing debt repayment habits.

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Anyone who meets the following eligibility criteria can apply for an HSBC Cashback Credit Card:

  • An Indian resident aged at least 18 years and a maximum of up to 65 years old.
  • Annual income must be a minimum of Rs. 4,00,000 per annum (if salaried individuals).
  • Must be residing in New Delhi, Noida, Bangalore, Chennai, Gurgaon, Hyderabad, Mumbai, or Pune.

You can use this card for foreign transactions at no extra charge. However, the bank will charge the applicable currency conversion rate in the country you make your transaction. For more details about the card’s international usage, please read the HSBC Cashback credit card review online.

No, there are no reward points earned on this card, however, you are eligible to earn the following cashback.
Unlimited cashback on all transactions.

  • 1.5% cashback on all online spends (except on transfer of funds to an online wallet).
  • 1% cashback on all other spends.
  • Cashback is also available on the Instant EMI facility on your card across listed merchants.
  • Cashback will be credited within 45 days of the card statement date.

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Yes. You get a chance to win Amazon e-gift voucher worth Rs. 250 on completing the online credit card application and Video KYC. Also, you can avail of the following introductory offers on a minimum transaction of Rs. 2,500 within 30 days of card issuance (valid from 1 Jan 2023 till 15 April 2023):

  • Amazon voucher worth Rs. 500
  • Swiggy voucher worth Rs. 500
  • SonyLIV 12 month membership
  • Myntra vouchers worth Rs. 1,500 (Rs. 300 x 5)
  • Ajio vouchers worth Rs. 3,000 (Rs. 600 x 5)
  • 3 complimentary airport lounge access at domestic & international lounges or 3 meal-vouchers for use at airport restaurants in India.