HSBC
HSBC Cashback Credit Card
Data Verified
Last checked: 1 Mar 2026Best for people who hate tracking categories and want guaranteed flat-rate cashback on every single transaction.
A simple, no-nonsense cashback card from HSBC offering 1.5% unlimited cashback on all spends with no category restrictions, no cap, and no complicated reward tracking. Lifetime free with no annual fee.
ShoppingCashbackOnline
Annual Fee
₹499
Lifetime Free — no annual or renewal fee
Cashback
10%
Headline Rate
Forex Markup
3.5%
Standard Rate
Expert Verdict
"HSBC Cashback is pure simplicity. 1.5% on everything — groceries, fuel, bills, dining, shopping, online, offline — with no cap and no categories to track. At ₹0 annual fee, it's a zero-commitment card that reliably earns on every swipe. It won't win awards for excitement, but it will never disappoint either. Use it as your default "catch-all" card. Verdict: The most honest cashback card in India — what you see is what you get."
Key Privileges
Welcome BenefitCashback on first spend within 90 days
Fee WaiverLifetime Free — no annual or renewal fee
Interest Rate (APR)42%
Min. Income₹4 lakh per annum
Start Application
Applying takes less than 5 minutes. You will need your PAN card and Aadhaar details handy.
Simplified Digital KYC
Instant Approval Check
Zero Physical Documentations
By clicking apply, you will be redirected to the official bank portal. FinanceMacha may earn a commission on successful approvals.
Eligibility Summary
- Min. Credit Score720
- Min. Income₹4 lakh per annum
- EmploymentSalaried/Self