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.