HSBC Cashback Credit Card Review

HSBC Cash-Back Credit Card is specially designed to give the customers more Cash-Back benefits, it comes with zero joining fee and a low annual fee. The benefits offered by the card are big Cash-Back offer, benefit on movies, Dining benefit, lost card liability coverage, milestone benefit, EMI facility, Contactless payment facility, and lots more. Now let’s discuss the benefits of the card in detail. 

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: ₹4,00,000 annually.
  • For self-employed person:
    • Age: This card is available for salaried customers only. 
    • Income: This card is available for salaried customers only.
  • Good CIBIL Score (750 or more).

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip, (3 months) 
      • ITR
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recent audited financial report. 


  • Joining Fee: None. 
  • Annual Fee: ₹750 + GST (can be waived off if ₹1,00,000 is spent within a year)


  • Welcome benefit:

If you can spend ₹500 within 30 days of the card issuance you will get an Amazon Gift voucher of ₹250, 3 accesses at domestic and international airport lounges or you can get 3 meal-vouchers, which you can use at airport restaurants.

  • Cash-Back:

This card offers up to 20% Cash-Back on your orders from Swiggi, the minimum transaction amount should be ₹400. You can win ₹100 Cash-Back in a month. 

You will also get a 5% discount on your purchase from Amazon. minimum transaction amount should be ₹1000, you can earn a maximum of ₹250 Cash-Back monthly. 

This card also offers 1.5% Cash-Back on every online transaction and 1% Cash-Back on the rest of the categories.  You will also get a 15% discount on your shopping at Tata CLiQ. 

  • Movie benefit:

If you book a movie ticket from BookMyShow on Saturdays then you will get another ticket completely free. (Maximum ticket value ₹250)

  • Dining benefit:

This card offers a 15% discount at almost 1000 restaurants in most of the major cities. For a list of the restaurants visit 

  • Lost card liability coverage:

This card comes with lost card liability coverage of ₹3,00,000, to avail maximum benefit of the coverage you have to report the loss as soon as you notice it.

  • Milestone benefit:

If you can spend ₹1,00,000 within a year with your card, then the annual fee for the next year will be waived off. 

  • EMI Facility:

This card allows you to convert your high-value purchases into EMI, this feature is very helpful for frequent shoppers. 

  • Emergency card replacement:

In case of emergency, you can replace your card easily within 3 days, from anywhere in the world.

  • Contactless payment:

This card comes with a contactless payment facility, with this feature you can pay your bills with just a wave at any secure reader machine. This feature is very helpful against credit card Skimming since you don’t need to hand over your cards at the counter.  


  • Cash Withdrawal Charge: 2.5% against the amount, min ₹300. 
  • Finance Charge: 3.3% monthly. 
  • Foreign currency transaction: 3.50% against the transacted amount. 

Contact Details:

Call: 1800-266-3456


Mail: [email protected]

100xGain Ratings:


Final Opinion:

If you want a low-cost credit card that can earn you big Cash-Backs then this card is a good option for you, it offers exclusive Cash-Back on several categories, free movie tickets, discounts on dining, lost card liability coverage, EMI facility, contactless payment facility, etc. 

Although this card comes free of cost and offers some exclusive benefits, it does not feature some benefits like lounge access, fuel surcharge waiver, or travel benefit. So if you are looking for lounge access then you can go for ICICI Bank MakeMyTrip Platinum Credit Card, it offers free lounge access and some big travel benefits, and if you want benefits on fuel purchase then you can go for ICICI Bank HPCL Credit Card

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