All you need to know about HSBC Cashback Credit Card

HSBC Cashback Credit Card is considered to be one of the best cashback credit cards in India that offers unlimited cashback on all purchases. Also, cardholders can enjoy complimentary lounge access benefits and multiple discounts across partner brands. It is enabled with VISA Pay wave technology and accepted globally which allows making contactless payments along with unlimited cashback on all transactions.

Key Features

• Unlimited Cashback on all transactions
• Zero Joining Fees
• Annual Membership Fees- INR 750 will be refunded in case the total annual expenditure exceeds INR 100,000.
• 1.5% Cashback on all online spends (Excluding transfer of funds to an online wallet) & 1% on all other spends.
• 1st Year Annual Fees are waived for all cards issued between 1st January 2023 to 15th April 2023.
• 2nd Year onwards – INR 750
• Cashback on Instant EMI facility on cards across listed merchants.
• Contactless payments with Pay Wave Technology enabled card.
• It allows convenient EMIs to pay credit card dues such as Balance Transfers on EMI, Cash on EMI, Loans on Phones, etc.

Welcome Benefits

Before hitting on the HSBC Credit Card Apply button, an applicant must learn about the introductory offers of the same. Below mentioned are the Welcome Benefits of the HSBC Cashback Credit Card that new credit card holders can avail of on a minimum transaction of INR 2500 within 30 days of issuance and the same are valid from 1st Jan 2023 till 15th April 2023:

• Vouchers
• Amazon Vouchers ( (worth INR500)
• Swiggy voucher (worth INR500)
• SonyLIV 12-month membership
• Myntra vouchers INR300 x 5 (worth INR1,500)
• Ajio vouchers INR600 x 5 (worth INR3,000)
• 3 complimentary airport lounge access at domestic & international lounges or 3 meal vouchers for use at Airport restaurants in India.
• Exclusive Monthly Offers for Cashback Credit Card Customers
• Amazon.in
• 5% discount on spending INR1,000 or above
• Maximum discount of INR250 per card per calendar month, across multiple eligible transactions
• Offer not valid during Amazon Great Indian Festival Sale period
• Amazon Pay
• Flat INR50 off on post-paid utility payment of INR500
• Offer can be availed 4 times in a calendar month per Card
• Max discount INR200 in a calendar month per Card
• Eazydiner
• 30% instant discount up to INR600 
• Offer valid once per month per card
• Offer valid on Minimum order value of INR1,000
• Blinkit
• Flat 10% discount up to INR100
• Promo code: HSBC10
• Max discount that can be availed in a month is INR 300 across the first 3 eligible transactions in a calendar month
• PharmEasy
• Flat 10% savings up to INR150 on ordering prescribed medicines.
• Complimentary 3-month PharmEasy plus membership

Additional benefits of Cashback Credit Card:

• Zero Liability for Lost Cards: 

In case the HSBC Cashback credit card is lost, and the same has been reported and registered with the bank, the cardholder will not bear any liability for the transactions made on the card. Also, the cardholder will be covered for any kind of misuse done from the card for up to 24 hours before reposting and registering the loss with the bank, up to INR 300,000.

• Emergency Card Replacement:

In case the HSBC Cashback credit card is lost, the cardholder can call Visa Global Assistance Services or Helpline Numbers to get the card cancelled. An emergency card will be issued in just 3 days be it anywhere in the world. In this case, the cardholder is also provided with the option to retrieve emergency cash at over 22,000 of the bank’s outlets globally.

• Insurance Benefits

All the above-mentioned benefits are sponsored by ICICI Lombard General Insurance Company Limited directly to the credit cardholders. The bank will not be liable for the terms & conditions of the Insurance Company that are applicable. These benefits are available to valid primary cardholders only.

• Other Benefits

It also provides other benefits like cash advances, additional credit cards, global access, and access through Phone Banking. It can be used for making online transactions such as online shopping and entertainment.

Eligibility Criteria: 

Below mentioned are the eligibility criteria to apply for HSBC Cashback Credit Card: 

• Individuals must be aged between 18 to 65.
• For Salaried individuals, annual Income must be at least INR 400,000 per annum.
• Applicant must be an Indian resident.
• Applicant must be a resident of any of the following cities: Bangalore, Chennai, Gurgaon, Hyderabad, Mumbai, New Delhi, Noida, and Pune.

Documents required:

Below mentioned are the documents required for HSBC Cashback Credit Card:

• In the case of MNC employees, Salary Slips are required.
• A copy of the front side of the credit card (in case the applicant has other credit cards).
• Latest Credit Card Statement (in case the applicant has other credit cards).
• Copy of your latest salary slip, plus the last 3 months of bank statements showing salary credits if you’re a salaried employee in a private limited company.
• Residence Proof
• Identity Proof
• PAN Card/ Form 60.

Note: Additional documents may be requested from you during the process of credit card application.

HSBC Cashback Credit Card Comparison with Other Cashback Cards