HSBC RuPay Cashback Credit Card – My Experience & Cashback Review

[Vickyakhan555]

I recently got my HSBC RuPay Cashback Credit Card, and here’s my first-hand review covering the application process, benefits, and cashback experience.

Application Process 📝

• Applied on 24th July 2025 via a bank agent
• Already had another HSBC card → only salary slip + Aadhaar was required
• Super smooth approval, done without video KYC

Card Delivery & First Statement 📬

• Card delivered on 4th August 2025
• First statement generated on 22nd August 2025
• On 25th August 2025, I received ₹246 cashback credited to my account
• Cashback was credited within the same billing cycle (impressive speed!)
• But: No transaction-level breakup shown in the statement

Key Benefits 🌟

• 10% Cashback on:
  • Food deliveries 🍕
  • Dining 🍽️
  • Groceries 🛒
• 1% Cashback on UPI spends (using RuPay + mobile UPI apps 📲)
• Lounge Access at select domestic airports ✈️
• 0 forex markup till 31st December 2025

If HSBC improves cashback transparency by providing category-wise breakdowns, this could easily rank as one of the best cashback + UPI credit cards in India, 2025.

 

[Mcdatptpssb]

Hey thank for your review.. I have a doubt. If you are making on UPI spends like local merchants like Kirana general store which are mostly grocery store mcc code on that are you able to get the 10% or 1%.. Or we need to use the card like swipe or tap and Pay or giving the card details in swiggy Instamart or amazon fresh.. Hope you understand the issue and respond in detail.

 

[manoj28]

Hey thank for your review.. I have a doubt. If you are making on UPI spends like local merchants like Kirana general store which are mostly grocery store mcc code on that are you able to get the 10% or 1%.. Or we need to use the card like swipe or tap and Pay or giving the card details in swiggy Instamart or amazon fresh.. Hope you understand the issue and respond in detail.

UPI txns for Grocery and Dining fetches 10% cashback . I use Paytm and it automatically shows tag like Food or Grocery for the txn which is easy to identity.

 

[Anshit]

I recently got my HSBC RuPay Cashback Credit Card, and here’s my first-hand review covering the application process, benefits, and cashback experience.

Application Process 📝

• Applied on 24th July 2025 via a bank agent
• Already had another HSBC card → only salary slip + Aadhaar was required
• Super smooth approval, done without video KYC

Card Delivery & First Statement 📬

• Card delivered on 4th August 2025
• First statement generated on 22nd August 2025
• On 25th August 2025, I received ₹246 cashback credited to my account
• Cashback was credited within the same billing cycle (impressive speed!)
• But: No transaction-level breakup shown in the statement

Key Benefits 🌟

• 10% Cashback on:
  • Food deliveries 🍕
  • Dining 🍽️
  • Groceries 🛒
• 1% Cashback on UPI spends (using RuPay + mobile UPI apps 📲)
• Lounge Access at select domestic airports ✈️
• 0 forex markup till 31st December 2025

If HSBC improves cashback transparency by providing category-wise breakdowns, this could easily rank as one of the best cashback + UPI credit cards in India, 2025.

So it works exactly like the Live + card but in Rupay and with a lesser cashback cap

 

[AlgoTrader]

i am also existing live+ card holder, applied but no callback yet even after 2 weeks :S

 

[Vickyakhan555]

Hey thank for your review.. I have a doubt. If you are making on UPI spends like local merchants like Kirana general store which are mostly grocery store mcc code on that are you able to get the 10% or 1%.. Or we need to use the card like swipe or tap and Pay or giving the card details in swiggy Instamart or amazon fresh.. Hope you understand the issue and respond in detail.

As per my usage my cashback should have been more considering consideration UPI payment for food and dining, I think for UPI its 1% and we have to swipe or enter card details to get 10%, sadly no bifurcation is given for cashbacks..

PLEASE CORRECT ME IF I AM WRONG

 

[Vickyakhan555]

UPI txns for Grocery and Dining fetches 10% cashback . I use Paytm and it automatically shows tag like Food or Grocery for the txn which is easy to identity.

Are you sure on this? Have you got 10% cashback in this card for food spends?

 

[manoj28]

So it works exactly like the Live + card but in Rupay and with a lesser cashback cap

Exactly. I have Live+ and recently got cashback rupay. Used rupay for small merchants where only QR is

Are you sure on this? Have you got 10% cashback in this card for food spends?

yes . got my first statement on 22nd and cashback was credited on 25th. I used it only for upi trxns for food / grocery related. got 10% cashback .

 

[Vickyakhan555]

i am also existing live+ card holder, applied but no callback yet even after 2 weeks :S

Tried applying online or via agent?

 

[Vickyakhan555]

Exactly. I have Live+ and recently got cashback rupay. Used rupay for small merchants where only QR is

yes . got my first statement on 22nd and cashback was credited on 25th. I used it only for upi trxns for food / grocery related. got 10% cashback .

Which upi app?

 

[manoj28]

Which upi app?

Linked my HSBC Cashback rupay only in PayTM and once paid it shows category for the txn like Food, Grocery. I also checked with HSBC customer care for MCC of my upi txns and got confirmation on 10% cashback for my upi txns.