HSBC RuPay Cashback
EntryHSBC India
Where it ranks · across all 71 cards
🥉 Dining out4.0%direct#6 Groceries4.0%direct#11 Food delivery4.0%direct#42 Online shopping1.0%direct
Devaluation history
- 2026-08-31 - 0% forex mark-up is an OFFER expiring 31 Aug 2026; standard 3.5% applies after. forexPct already set to the post-offer rate.
Reward rules
Base rate - everything not covered below
cashback
1.00%
effective
10% dining / food delivery / groceries
cashback
10.00%
effective
₹400/month TOTAL cashback across BOTH the 10% and 1% tiers (bank caps combined; engine models per-rule - true ceiling is ₹400 all-in)
Total cashback capped at ₹400/month (bank site). 1% on other spends including UPI. 0% forex promo until 31 Aug 2026.
Source: HSBC RuPay Cashback (bank site, verified Aug 2026) · 2026-08-20
Base rate, but capped - these categories earn normally up to a monthly ceiling
- 1% on other eligible spends - shares the ₹400 total monthly capshares the ₹400/month total cashback capsrc ↗
Earns nothing on
- ⊘ Fuel: no cashback.51725541554255525983bank MCC list→ use MakeMyTrip ICICI here (1.0%)
- ⊘ Rent and property management: no cashback.651370127349bank MCC list→ use Axis Burgundy Private here (4.5%)
- ⊘ E-wallet loads: no cashback.6540bank MCC list→ use SC Ultimate here (3.3%)
- ⊘ Insurance: no cashback.59606300bank MCC list→ use Axis Burgundy Private here (4.5%)
- ⊘ Jewellery and antiques: no cashback.5094593259375944bank MCC list→ use HDFC Infinia Metal here (3.3%)
- ⊘ Education: no cashback.8211822082418244824982998351bank MCC list→ use Axis Magnus for Burgundy here (10.5%)
- ⊘ Government: no cashback.92119222922393119399940294059950bank MCC list→ use PVR INOX Kotak here (3.0%)
- ⊘ Gambling: no cashback.7995bank MCC list→ use Axis Magnus for Burgundy here (10.5%)
- ⊘ EMI-converted transactions earn no cashback. Note: MCC 4900 (utilities) sits in the Service Guide table with a BLANK cashback cell - the bank does not state whether utilities earn 1% or 0%.
- ⊘ Utilities (MCC 4900) excluded per the current page footnote - newer than the Service Guide table that left the cell blank.4900bank MCC list→ use Airtel Axis Bank here (10.0%)