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.

 

[hirenb93]

HSBC declined my card after full application — first-ever bank rejection in my life. Looks like approvals are just a joke, maybe 1 in 100. Zero trust left, never again with HSBC