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HSBCGold

HSBC Cashback Credit Card

•••• •••• •••• 4242

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Quick facts

HSBC Cashback Credit Card

Top reward10%

Annual fee₹999

Min income₹40,000/mo

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💰Cashback Kings

HSBC · Gold tier

HSBC Cashback Credit Card

Flat cashback without category tracking hassle.

Key Benefits

Dining (first year): 10% (cap ₹1,000/mo)All other spends: 1.5% — Unlimited flat cashbackBest for: Flat 1.5% unlimited cashbackBest for: ₹40K+ income

Annual fee

₹999

Top rate

10%

Min income

₹40,000/mo

Eff. return

1.26%

Realistic net value (moderate user): ₹6,051/year

After ₹999 fee & ₹630 forex. Based on ₹40,000/mo spend.

12,400 users matched · Verified 2026-06-12

You apply directly with the bank. If you share your contact details on their form, the bank may call you. We never sell your data or make sales calls.

We earn commission if approved — at no cost to you. Zero sales calls.

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Our transparency commitment

✓ Reward caps shown in absolute ₹ — not just "5% cashback"

✓ Exclusions listed upfront — fuel, EMI, rent, wallet

✓ Point conversions with conservative ₹/point rates

Rates, fees, and eligibility notes are sourced from public issuer information and may contain errors. Always verify on the bank's website before applying.

All Benefits

Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.

Dining (first year): 10% (cap ₹1,000/mo)
All other spends: 1.5% — Unlimited flat cashback
1.5% unlimited cashback
Global acceptance
Best for: ₹40K+ income

Source: HSBC Cashback T&Cs

💰Cashback Kings

Flat cashback on spends — no points math

Reward Structure

Source: HSBC Cashback T&Cs

Dining (first year)

10%

Cap: ₹1,000/mo

Example: ₹1,000/mo spend → ≈ ₹100/mo (max at cap)

All other spends

Unlimited flat cashback

1.5%

Example: ₹10,000/mo spend → ≈ ₹150/mo

Excluded categories (no rewards)

EMIFuelRentWallet

What You Actually Earn (in ₹)

Absolute INR estimates based on your spends. Caps and exclusions applied — no marketing fluff.

Gross rewards / year

₹7,680

Before fees & forex

Costs / year

₹1,629

Fee ₹999 + forex ₹630

Net value / year

₹6,051

1.26% effective return on spend

Category-wise breakdown

Dining & food delivery

Spend ₹4,000/mo · 10% cashback

₹1,200/year

₹100/mo

₹1,000 × 10% = ₹100/moCap hit at ₹1,000/mo — extra spend earns less

All other eligible spends

Spend ₹36,000/mo · 1.5% cashback

₹6,480/year

₹540/mo

₹36,000 × 1.5% = ₹540/mo

Estimates assume eligible spends only (exclusions per issuer T&Cs apply). Point values use typical redemption rates — actual value varies by redemption choice. Bank approval and reward crediting is at issuer discretion.

Best for

→Flat 1.5% unlimited cashback
→Dining lovers (10% first year)
→₹40K+ income

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Fees & Charges — Full Disclosure

All amounts in INR. Everything that can reduce your net value.

Joining fee

Charged in first year

₹999

Annual / renewal fee

Charged every year unless waived

₹999

Forex markup

3.5% on international transactions

Finance charges

≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid

Late payment fee

₹400–₹1,300 depending on statement balance — always pay on time

Reward redemption fee

Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee

Example: moderate user net math

Gross rewards+ ₹7,680

Annual fee− ₹999

Forex cost− ₹630

Net annual value₹6,051

Eligibility Snapshot

Public criteria from HSBC Cashback T&Cs. Bank makes final decision.

Minimum age21–60 years

Min income (salaried)₹40,000/mo

Min income (self-employed)₹9,60,000/year

Employment acceptedsalaried, self employed

Credit history6+ months preferred

CIBIL checkBank checks at application — CardHungry never pulls your score

Secured optionUnsecured card only

Card tierGold — mid-tier mass premium

Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.

FAQ

How much can I actually earn with HSBC Cashback Credit Card?+

At moderate spend (₹40,000/mo), gross rewards are about ₹7,680/year. After the ₹999 annual fee, net value is approximately ₹6,051/year. Use the calculator above to model your own spends.

What is the minimum income for HSBC Cashback Credit Card?+

₹40,000/month for salaried applicants (indicative — bank decides).

What spends do NOT earn rewards?+

EMI, Fuel, Rent, Wallet.

Does CardHungry pull my CIBIL score?+

No. We use public eligibility criteria only. The bank will check CIBIL when you apply.