What is the annual fee for HSBC Cashback Card?

HSBC Cashback Card is a lifetime free credit card.

What is the reward rate on HSBC Cashback Card?

HSBC Cashback Card offers 1.5% cashback on general spends.

Minimum income for HSBC Cashback Card?

Minimum income required is ₹4.0 lakh per year.

Overview

Rewards

Fees

Score

Verdict

Visa

HSBC India

HSBC Cashback Card

Best introductory cashback + 1.5% unlimited forever

Annual Fee

FREE

Reward

1.5% cashback

GenieScore

55/100

Expert

3.9/5★

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About this Card

HSBC Cashback Card has a unique dual structure — 10% cashback on dining and online for the first 90 days, then 1.5% unlimited cashback on all spends forever. The lifetime free structure and unlimited 1.5% flat rate make it an excellent no-maintenance cashback card for moderate spenders.

Key Features

🏆

10% cashback on dining & online — first 90 days of card membership

✈️

1.5% unlimited cashback on ALL spends forever (no cap)

💰

Lifetime free — zero annual fee

🎁

No merchant restriction on 1.5% cashback

⚡

Fuel surcharge waiver

Pros

✓10% cashback on dining and online spending for first 90 days

✓1.5% unlimited cashback on ALL spends with no cap — forever

✓Lifetime FREE — zero annual fee

✓No minimum spend for cashback eligibility

✓Fuel surcharge waiver on eligible transactions

Cons

✗1.5% flat rate is good but not exceptional vs dedicated category cards

✗0% on UPI — surprising for a modern card

✗HSBC India has limited branch and ATM presence

✗No lounge access

✗Customer service can be difficult to reach

Quick Specs

💳Card TypeCashback

🌐NetworkVisa

💰Annual FeeLifetime Free

🎯Base Reward1.5% cashback

✈️LoungeNot included

📱UPI RewardsNot available

🌍Forex3.5% + GST

⛽Fuel WaiverAvailable

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Community Sentiment

POSITIVE

Positive

Apply Now on HSBC India