# HSBC RuPay Cashback

HSBC · RuPay. ₹499 fee · 0% forex · 1% cashback all other eligible spends · shares the ₹400/mo cap with the 10% tier.

verified · checked 26 August 2026 · Source: https://www.hsbc.co.in/credit-cards/products/rupay-cashback-credit-card/

## How it earns (2)

- 1% cashback all other eligible spends · shares the ₹400/mo cap with the 10% tier · cap 400 points per month · ✓ official · checked 26 August 2026
- 10% cashback dining/food-delivery/grocery · ₹400/mo cap shared with the 1% base tier · cap 400 points per month · ✓ official · checked 26 August 2026

## On gift vouchers

- ₹100 back on a ₹10,000 voucher bought direct. · 1% cashback all other eligible spends · shares the ₹400/mo cap with the 10% tier
- Vouchers for ACT Fibernet, Bharat Petroleum (BPCL), Acko Insurance, BYJU'S and 33 more brands: nothing.

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## What earns nothing (2)

- Likely no cashback on wallet loads (HSBC's usual exclusion) · brand vouchers earn the 1% base (the issuer does not address them)
- No cashback: fuel · likely also rent, govt, wallet, insurance, education, jewellery, utilities, gambling, tolls, cash, EMI

## Lounges (1)

- 2 domestic visits a quarter and 2 international visits a year. No spend condition stated. · Domestic + intl · domestic and international · 10 per year · checked 11 July 2026

## Fees

- Annual fee: ₹499 + GST
  Waived at ₹2,00,000 spend per year
- Forex markup: Nil
- DCC markup: Not published

## Dated changes (1)

- Improvement · 15 August 2026: HSBC charges no forex markup on its credit cards until 31 October (https://getbrief.cards/changes#hsbc-zero-forex-2026)

Every change, dated: https://getbrief.cards/changes

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

All cards: https://getbrief.cards/cards
Canonical: https://getbrief.cards/cards/hsbc-rupay-cashback