Best HSBC Cashback Credit Card 2026

What is the HSBC Bank Cashback Credit Card?

The HSBC cashback credit card is HSBC’s simple, savings-focused option for people who make frequent everyday purchases. On Urban Money, this product appears as the HSBC Live+ Credit Card, which is the updated version of the cashback card. The card offers higher cashback on categories such as dining, groceries, and food delivery, and a flat cashback rate on most other eligible spend. There are no reward points to track, and the cashback is added directly to your statement, so the value is easy to see each month.

It works well for regular card users who want predictable savings rather than complex benefit structures. The bank also offers lifestyle perks such as lounge access and dining offers, adding value beyond cashback.

Key Highlights of HSBC Bank Cashback Credit Card

Here is a clear table covering the main highlights of the HSBC cashback credit card:

Key Features of HSBC Bank Cashback Credit Card

The HSBC cashback credit card rewards everyday spending, especially on food and essentials. The cashback is straightforward, making it easy for cardholders who prefer monthly savings without tracking points or vouchers. Key features include:

• 10% cashback on popular categories: You earn higher cashback on dining, groceries and food delivery orders. This is where most users see fast savings, especially if these make up a big part of their monthly expenses.
• 5% cashback on other eligible spends: All regular transactions earn a flat 1.5% cashback with no monthly limit, which helps you save even on general day-to-day payments.
• Complimentary domestic lounge access: You receive four domestic airport lounge visits each year, one per quarter, as a small travel benefit.
• Dining offers at partner restaurants: HSBC provides extra discounts of up to 15% at selected restaurants under its dining programme.
• Fuel surcharge savings: Eligible fuel transactions earn a surcharge waiver, reducing your fuel cost throughout the year.
• Simple cashback credit: Cashback is credited directly to the statement within the bank’s defined timeline, so you don’t need to redeem anything manually.

How Does Cashback Work on the HSBC Bank Cashback Credit Card?

Cashback on the HSBC cashback credit card is calculated on the type of spend you make in a billing cycle. The higher 10% rate applies only to dining, grocery and food delivery transactions, and this part has a monthly cap of ₹1,000. Once you reach that cap, any additional spending in these categories earns the standard 1.5% rate.

All other eligible purchases earn a flat 1.5% cash back with no monthly limit. The bank tracks your cashback through the billing period and posts the final amount as a statement credit. The credit usually reflects within the timeline defined by HSBC after the statement is generated. Certain transactions, such as EMI conversions, wallet loads, and cash withdrawals, are not eligible for cashback.

Fees & Charges for HSBC Bank Cashback Credit

Here is a table covering the main charges for the HSBC Cashback credit cards:

Things to Know Before You Apply for the HSBC Bank Cashback Credit Card

It helps to understand how the card works before you apply. The HSBC cashback credit card offers the highest value on dining, groceries, and food delivery, so people who spend frequently in these areas benefit the most. The 10% cashback has a monthly limit, so once you reach that amount, any further spend earns the standard 1.5%.

General purchases earn 1.5% cash back with no cap, making it a worthwhile everyday card. Cashback is credited directly to your statement instead of a reward points system, so you don’t need to redeem anything manually. You should also check the annual fee waiver condition, because crossing the yearly spend requirement removes the renewal fee. As with any card, timely repayments help avoid interest charges and keep your credit profile strong.

Eligibility Criteria

You should check a few basic points before applying for the HSBC cashback credit card. HSBC has clear rules for eligibility, and the requirements are slightly tighter than those for entry-level cards.

• Residency: You must be an Indian resident.
• Age: Applicants should fall within HSBC’s approved age band for credit cards, starting from adulthood up to the bank’s maximum working-age limit.
• Income Requirement: HSBC typically requires a minimum annual income of approximately ₹6,00,000 for salaried applicants. This may vary slightly based on your profile.
• Location: The card is issued in selected cities, including Chennai, Bengaluru, Mumbai, Delhi NCR, Pune, Hyderabad, Kolkata, Ahmedabad, Jaipur, Kochi, Coimbatore, and a few others where HSBC operates.
• Credit Profile: A stable credit score and clean repayment history improve your chances of approval.
• Documents Needed: PAN card, identity proof, address proof and income proof like salary slips, ITR or bank statements.

How to Apply Through Urban Money

Follow these steps to apply for the HSBC cashback credit card on Urban Money:

1. Open the Urban Money website on your browser.
2. Go to the Credit Cards section from the main menu.
3. Select HSBC Bank from the list of banks available.
4. Scroll through the HSBC card options and select the HSBC Live+ Credit Card, the cashback card.
5. Scroll down to the Category section and click on the Cashback Credit Card category.
6. Press the Apply Now button next to the card.
7. Complete the form with your details, including name, mobile number, email, PAN, and city.
8. Submit the form so Urban Money and HSBC can review your profile and proceed with your application.

How to View Cashback Earned in a Month for the HSBC Bank Cashback Credit Card?

You can check your monthly cashback through HSBC’s mobile app or online banking. Once you log in, open the credit card section and view your card summary. The cashback earned for the billing month appears as a separate entry, so you can see exactly how much was added at the end of the cycle.

Your monthly statement also shows the total cashback credited for that period. The amount appears as a statement credit, reducing your payable balance. If you are unable to locate it, contact HSBC customer support, and they will help you check the cashback earned for the month.

Why the HSBC Cashback Credit Card Deserves Attention

The HSBC cashback credit card gives most of its value through steady savings on everyday spending. The higher cashback on dining, groceries, and food delivery helps if these are regular expenses in your budget. The flat 1.5% cashback on other purchases also keeps the helpful card even when you are not spending on specific categories.

The benefits are easy to track because the cashback appears directly on the statement. The lounge access and dining offers give extra comfort throughout the year. If someone wants a credit card with clear, visible savings rather than complex rewards, this card fits the need well.