Complete Review of HSBC RuPay Cashback Credit Card 2025. Get 10% Cashback on Grocery, Dining, UPI. Compare benefits, fees & see if it’s better than SBI Cashback Card.
Contents
- 1 HSBC RuPay Cashback Credit Card Review 2025: Kya Ye SBI Cashback Card Se Better Hai?
- 1.1 🔶 HSBC RuPay Cashback Credit Card Key Highlights
- 1.2 🏆 Welcome Benefits (Limited Period Offers)
- 1.3 💳 Cashback & Rewards Benefits
- 1.4 🛒 Special Offers:
- 1.5 🌐 0% Forex Markup Till Dec 2025
- 1.6 ✈️ Airport Lounge Benefits
- 1.7 📋 Eligibility Criteria
- 1.8 ✅ Who Should Apply? My Honest Opinion
- 1.9 🔥 Best Alternatives to Compare:
- 1.10 🚩 Final Verdict (Conclusion):
HSBC RuPay Cashback Credit Card Review 2025: Kya Ye SBI Cashback Card Se Better Hai?
आज के टाइम में अगर Online Shopping और Cashback की बात हो तो SBI Cashback Credit Card को लोग No.1 मानते हैं। लेकिन Offline Grocery, Dining, aur Food Delivery के लिए HSBC Life+ Credit Card अब तक Best Option था.
अब HSBC ne अपना नया Credit Card launch कर दिया है – HSBC RuPay Cashback Credit Card.
इसमें भी मिलेगा आपको वही 10% assured Cashback Grocery, Dining aur Food Delivery par!
साथ ही क्योंकि ये RuPay Network पे है, तो UPI Transactions par bhi cashback milega.
Lekin kya hai is card ke detailed features aur kya ye aapko lena chahiye?
Aaj hum is blog mein isi ka pura review karenge.
🔶 HSBC RuPay Cashback Credit Card Key Highlights
| Particular | Details |
|---|---|
| Joining Fees | ₹499 + GST |
| Annual Fees | ₹499 + GST (₹2 Lakh spend = Waiver) |
| Welcome Benefit | ₹500 Cashback + ₹100 Amazon Voucher + Easy Diner Membership |
| Maximum Cashback | ₹400 per Month (10% Cashback) |
| Lounge Access | 8 Domestic, 2 International |
| UPI Cashback | Yes, Included (1%) |
| Forex Markup Charges | 0% till Dec 2025 |
🏆 Welcome Benefits (Limited Period Offers)
1️⃣ ₹500 Cashback on Completing:
- App Download + Login
- ₹10,000 spend in first 30 days
2️⃣ ₹100 Amazon Voucher
- Online Apply + Self Verification + Video KYC
3️⃣ 2 Months Free EasyDiner Membership
👉 Offer Valid till 31 July 2025.
💳 Cashback & Rewards Benefits
🔹 10% Cashback Categories (Max ₹400 / month)
- Grocery
- Dining
- Food Delivery (Swiggy, Zomato etc.)
👉 Eligible Spend: ₹4000/month max.
🔹 1% Cashback on:
- All other spends, including UPI payments
Note:
Fuel, Wallet Load, Rent, Education, Insurance, Utilities – No Cashback.
🛒 Special Offers:
Swiggy Instamart:
- 10% Instant Discount
- Max ₹200 discount
- Min ₹500 Order
- Coupon Code: HSBC
Paytm Bill / Recharge Offers:
- 5% Cashback
- Min Bill ₹299
- Max Cashback ₹150/month
🌐 0% Forex Markup Till Dec 2025
Ideal for short-term Foreign spends.
Lekin Federal Bank Scapia Card zyada suitable hai lifetime free aur permanent 0% forex benefit ke liye.
✈️ Airport Lounge Benefits
- 2 Domestic Lounges per Quarter (Total 8/year)
- 2 International Lounges via Priority Pass
📋 Eligibility Criteria
| Criteria | Requirement |
|---|---|
| Age | 18-65 Years |
| Income | Min ₹4 Lakh p.a. |
| Category | Salaried Only |
| Location | Select Cities Only |
✅ Who Should Apply? My Honest Opinion
👉 Ideal For:
- Monthly Spend ₹2000-4000 on Grocery, Dining, Food Delivery
- Need Simple Cashback on UPI + Offline Essentials
10% Cashback ka best option market me aur koi nahi de raha is range me.
❗ When NOT to Apply:
- Agar aapka Monthly Spend ₹4000+ hai, to aap HSBC Life+ Credit Card consider karein.
- Zyada Travel aur Lounge Access chahiye to Federal Scapia / Indus Tiger card is better.
🔥 Best Alternatives to Compare:
| Credit Card | Lounge Benefit | Annual Fees | Best For |
|---|---|---|---|
| HSBC RuPay Cashback | 8 Domestic, 2 Intl | ₹499 | Cashback on Daily Needs |
| Federal Bank Scapia | Unlimited Domestic | Free Lifetime | Lounge + Cashback |
| IndusInd Tiger | 8 Domestic, 2 Intl | Free Lifetime | Free Lounge Access |
🚩 Final Verdict (Conclusion):
If you want Simple Cashback on your everyday spends (Offline + UPI), HSBC RuPay Cashback is a great budget-friendly card.
Heavy spenders ke liye Life+ Card zyada rewarding hoga
यह भी पढ़ें: Kotak Indigo Credit Cards 2025: Features, Benefits & Should You Apply?
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