Top of main content

HSBC RuPay Cashback Credit Card

Earn cashback and enjoy exciting rewards, exclusive perks and effortless payments with UPI.

Enjoy cashback and instant transfers with UPI

The HSBC RuPay Cashback Card gives you money back on all the things you love, so you have more to spend on the things you want. Just use your card for all your everyday purchases to start earning.

Joining fee and annual fee

Joining fee

INR499


Annual fee (waived if you spend more than INR200,000 per year) INR499

Our welcome gifts to you

  • Get INR500 cashback when you download and log on to the HSBC India Mobile Banking app and spend INR10,000 within the first 30 days of getting your card. T&Cs apply (PDF).
  • Get an INR100 Amazon eGift Voucher when you apply online, verify yourself by video and receive your card. T&Cs apply.
  • Plus, enjoy a 2-month EazyDiner membership when you activate your RuPay credit card. T&Cs apply (PDF).

 

Choose our RuPay Cashback Credit Card to enjoy

0% forex mark-up

Save when you spend abroad, with 0% FX mark-up on your transactions until 31 December 2025. T&Cs apply (PDF).

UPI integration

Link your credit card to UPI apps and enjoy easy direct payments with your card.

10 Airport lounge visits

Get up to 2 complimentary local visits per quarter and 2 international visits per year[@rupay-cashback-lounge-list].

International access

Use ATMs and make payments in over 160 countries and regions around the world, powered by the JCB network.

The card that gives you money back

Spend money to make money

Earn up to INR400 on your spending every month, in store and online.

  • Get 10% cashback on dining, food delivery and grocery spending
  • Plus earn 1% cashback on all other eligible spends[@unlimited-cashback-exclusions]

Make instant UPI payments

Enjoy quick, convenient and rewarding UPI payments, powered by your HSBC RuPay Cashback Credit Card.

  • Make hassle-free payments anytime, anywhere with HSBC SimplyPay and other UPI apps
  • Pay bills and send money to family and friends, quickly and securely, wherever and whenever you want
  • Make payments using a QR code, mobile number, virtual payment address or account number with IFSC code

Get even more from your card

  • Save on grocery deliveries with Swiggy Instamart
    Enjoy 10% off on orders of INR500 and above (max discount INR200). T&Cs apply (PDF).
  • Get discounted makeup, skincare and more at Tira
    Save 10% on orders of INR2,499 or more every Wednesday (max discount INR1,000). T&Cs apply (PDF).
  • Enjoy money off your bills with Paytm
    Get 5% off transactions of INR299 or more on mobile (prepaid and postpaid), broadband, DTH, water bills, gas cylinders, piped gas bills, FASTag and electricity bills (max discount INR150). T&Cs apply (PDF).
  • Cleartrip
    Get discounts up to INR6,000 on flights and hotels via Cleartrip. T&Cs apply (PDF).

What you need to know

Are you eligible?

To apply, you must:

  • Be aged between 18 to 65 years old
  • Have a minimum income of INR400,000 per year for salaried individuals
  • Be an Indian resident
  • Reside in Chennai, Gurgaon, Delhi National Capital Region (NCR), Pune, Noida, Hyderabad, Mumbai, Bangalore, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad or Kolkata

Apply online and get an Amazon e-voucher

Apply online

Apply for a credit card online and complete your application & Video KYC (VKYC) to get an Amazon e-gift voucher worth INR100.

T&Cs apply.

Contact us

It's usually quickest to apply online, but if you prefer to speak to someone about your application, call us or visit your nearest branch.

Frequently asked questions

What is an HSBC RuPay credit card? 

How do I use my RuPay credit card for UPI? 

Can I use my HSBC RuPay credit card internationally? 

You might also be interested in

Pay bills and send money to family and friends quickly and securely with UPI.
Enjoy exciting rewards, exclusive perks and effortless payments with UPI.
Dine, shop and have fun with extra cashback.

Notes

    Verify yourself by video terms and conditions 

    1. This Offer ('Offer') is brought to you by The Hongkong and Shanghai Banking Corporation Limited, India ('Bank') and is made available on the website amazon.in or mobile site or mobile application thereof (collectively, 'Amazon.in') by Amazon Pay (India) Private Limited ('Amazon') and any participation is voluntary.
    2. Offer Terms and Conditions ('Offer Terms') are in addition to the amazon.in 'Conditions of Use & Sale' and 'Privacy Notice' to which you agree to, by using amazon.in and Terms and Conditions of HSBC Credit Cards (PDF). In the event of any conflict between the Conditions of Use & Sale and these Offer Terms, these Offer Terms will prevail, only for the purposes of this Offer.
    3. This Amazon eGift Voucher offer is provided by The Hongkong and Shanghai Banking Corporation Limited, India (HSBC) to Resident Indian customers (hereinafter referred to as 'credit card applicant') who have participated in the offer. Each qualifying credit card applicant who has completed Video KYC (VKYC) and has got the credit card approved and issued is entitled to an Amazon eGift Voucher of INR100 (Offer).
    4. This offer is valid only on online applications and upon successful completion of the Video KYC (VKYC) and issuance of the credit card, during the offer period from 16 May 2025 to 31 July 2025.
    5. This is a limited period Offer and HSBC in its sole discretion reserves the right to alter, modify, change or vary all or any of these terms and conditions or to replace, wholly or in part, this Offer by another Offer, whether similar to this Offer or not, or to withdraw it altogether at any point in time by providing appropriate intimation to the Cardholder.
    6. The Amazon eGift Voucher (WinPin code) will be sent to your email ID provided in the online credit card application, within 45 days of end of the offer i.e. 15 September 2025.
    7. All decisions with respect to the Offer shall be at the sole discretion of HSBC and the same shall be final, binding and non-contestable. Other than the specific entitlements available to the Cardholders under this Offer, any other claims with regard to this Offer against HSBC are waived.
    8. Credit card applicants are not bound in any way to participate in this Offer. Any participation is voluntary and the Offer is being made purely on a best effort basis.
    9. Nothing herein amounts to a commitment by the Bank or Amazon to conduct further, similar or other Offers.
    10. Issuance of the credit card is at the sole discretion of the Bank and is subject to the Bank's internal approval norms.
    11. By participating in this Offer, every credit card applicant expressly agrees that Bank and Amazon will not be liable or responsible for any loss or damage whatsoever that a Cardholder may suffer, directly or indirectly, in connection with the Offer including but not limited to that associated with his/her use or delivery or misuse of the Product(s). The existence of any dispute shall not, by itself, constitute any claim against HSBC.
    12. The Bank does not make any warranties or representations as to the quality, merchantability, suitability or availability of the product and services offered under these Offers. Any dispute regarding these must be addressed in writing, by the Cardholder, directly to Amazon.
    13. Prior to using the Amazon website and/or the mobile app, the Cardholder should refer, read, understand, accept and agree to the user agreement and Terms and Conditions of the said website and the mobile app, and proceed only if the Cardholder agrees to abide by the same. The Cardholder will be required to give personal information and other details online. The Cardholder should read and understand the privacy policy of the website and the mobile site, prior to providing any such information. Any disclosure of information made by the Cardholder towards availing of or fulfilment of the Offer is at the sole discretion of the Cardholder and the Bank shall not be responsible for the same. Amazon may use the personal information shared by the Cardholder for any other purpose (like marketing, etc.) and the Bank will not be held liable for such usage of personal information by Amazon Products offered under this Offer are subject to availability with Amazon and HSBC will not be liable for non-availability of any of the products.
    14. The Offer is subject to force majeure events.
    15. These Offer Terms are governed by the laws of India and the courts at Mumbai will have exclusive jurisdiction over any matters/disputes arising out of or in relation to these Offer Terms.
    16. Any person availing this Offer will be deemed to have accepted these Offer Terms.

    Voucher Terms and Conditions:

    1. The eGift Voucher is valid for a period of 6 months from the date of issuance.
    2. eGift Voucher cannot be reloaded, resold, transferred for value or redeemed for cash.
    3. eGift Voucher cannot be used to purchase other gift card.
    4. eGift Voucher cannot be used on any of the partner sites.
    5. eGift Voucher cannot be used to purchase any other type of digital content such as apps.
    6. eGift Voucher cannot be transferred from one account to another once the claim code has been added.
    7. Amazon may change (add to, delete, or amend) these terms from time to time. Unless stated otherwise, the changes will apply to any new Amazon eGift Voucher that are for personal, non-commercial use and enjoyment only. The same may be shared with family and friends, but may not be advertised, sold or used as promotional items by the purchaser or anyone else without Amazon's prior written consent.
    8. Amazon eGift Voucher cannot be replaced, refunded or revalued. It cannot be exchanged for points or cash and cannot be re-validated.
    9. HSBC does not make any warranties or representations as to the quality, merchantability, suitability or availability of the products or services offered under this Offer. Any dispute regarding delivery, service, suitability, merchantability, availability or quality of the products/services availed under this Offer must be addressed in writing, by the customer directly to amazon.in
    10. Tax liability, if any, will be borne by the Cardholder.
    11. By using the eGift Voucher, the Cardholders shall be deemed to have accepted all the aforementioned Terms and Conditions in totality.
     

    Connect with us

     
    Here's an easy way to share your thoughts, stay informed and join the conversation. Follow us: