A sensible first card for new-to-credit users and modest monthly spends.
no major caveats we’re tracking.
| category | rate | cap/mo |
|---|---|---|
| base · everything else | 1% | — |
| Restaurant Dining† | 10% | ₹ 400 |
| Grocery (all)† | 10% | ₹ 400 |
| Swiggy (food)† | 10% | ₹ 400 |
| Zomato† | 10% | ₹ 400 |
† these categories share a single combined monthly cap.
Get INR500 cashback when you download and log on to the HSBC India Mobile Banking app and spend INR10,000 within 30 days of getting your card.
unlocks at ₹ 10,000/yr
Get an INR250 Amazon eGift Voucher when you apply online, verify yourself by video and receive your card.
Enjoy 2-months EazyDiner membership when you activate your RuPay credit card.
Get INR250 cashback when you link your card to UPI and make 2 transactions of INR250 or more within 30 days of getting your card.
Get up to 2 complimentary local visits per quarter and 2 international visits per year.
Save when you spend abroad, with 0% FX mark-up on your transactions until 30 June 2026.
Use promo code HSBCRUPAY to get 5% off transactions of INR299 or more on mobile (prepaid and postpaid), broadband, DTH, water bills, gas cylinders, piped gas bills, FASTag and electricity bills (max discount INR150).
Get discounts up to INR6,000 on flights and hotels via Cleartrip. Use coupon code HSBCRPCC for full swipe transactions and HSBCRPEMI for EMI transactions.
Get exclusive discounts and offers with RuPay. Save on shopping, dinning and more with a range of offers and discounts exclusively for RuPay cardholders.
Enjoy discounts and offers around the world with the JCB network. Access global discounts, offers and experiences with your JCB network-enabled RuPay credit card.
run your spend profileto see this card's value for you.