HSBC India · Entry
HSBC RuPay Cashback
Where it ranks across all 187 cards
#5 Dining out
4.0%
direct
#11 Groceries
4.0%
direct
#15 Food delivery
4.0%
direct
#52 Mobile / broadband
1.0%
direct
#61 Train tickets
1.0%
direct
#64 Cabs & transit
1.0%
direct
#66 Other
1.0%
direct
#68 Health & pharmacy
1.0%
direct
#71 Electronics
1.0%
direct
#79 Hotels
1.0%
direct
#80 Flights
1.0%
direct
#80 Movies & events
1.0%
direct
#80 Fashion
1.0%
direct
#81 Online shopping
1.0%
direct
31 Aug 2026
0% markup abroad was an offer that ended 31 Aug 2026; the standard 3.5% applies now.
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Reward rules2 direct
Base rate - everything not covered below
1.00%base rate
1% cashback
source
Source: HSBC RuPay Cashback (bank site, verified Aug 2026) - hsbc.co.in - read 20 Aug 2026
10% dining / food delivery / groceries
10.00%this rule
10% cashback
how it works & source
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) - hsbc.co.in - read 20 Aug 2026
Base rate, but capped1
1% on other eligible spends - shares the ₹400 total monthly cap
base rate
source
Source: HSBC RuPay Cashback Service Guide + page - hsbc.co.in - read 22 Aug 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on10 exclusions
Fuel
earns nothing
Fuel: no cashback.
→ use Kotak Cashback+ Credit Card here (3.0%)
detail & source
categories: Fuel · MCCs: 5172, 5541, 5542, 5552, 5983
Source: HSBC RuPay Cashback Service Guide 06/25 (bank PDF) - hsbc.co.in - read 22 Aug 2026
Rent
earns nothing
Rent and property management: no cashback.
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Rent · MCCs: 6513, 7012, 7349
Source: HSBC RuPay Cashback Service Guide 06/25 (bank PDF) - hsbc.co.in - read 22 Aug 2026
Wallet load
earns nothing
E-wallet loads: no cashback.
→ use SC Ultimate here (3.3%)
detail & source
categories: Wallet load · MCCs: 6540
Source: HSBC RuPay Cashback Service Guide 06/25 (bank PDF) - hsbc.co.in - read 22 Aug 2026
Insurance
earns nothing
Insurance: no cashback.
→ use Axis Burgundy Private here (6.4%)
detail & source
categories: Insurance · MCCs: 5960, 6300
Source: HSBC RuPay Cashback Service Guide 06/25 (bank PDF) - hsbc.co.in - read 22 Aug 2026
Jewellery & watches
earns nothing
Jewellery and antiques: no cashback.
→ use HDFC Infinia Metal here (3.3%)
detail & source
categories: Jewellery & watches · MCCs: 5094, 5932, 5937, 5944
Source: HSBC RuPay Cashback Service Guide 06/25 (bank PDF) - hsbc.co.in - read 22 Aug 2026
Education
earns nothing
Education: no cashback.
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Education · MCCs: 8211, 8220, 8241, 8244, 8249, 8299, 8351
Source: HSBC RuPay Cashback Service Guide 06/25 (bank PDF) - hsbc.co.in - read 22 Aug 2026
Government / tax
earns nothing
Government: no cashback.
→ use Biz Black Metal Edition Credit Card here (3.3%)
detail & source
categories: Government / tax · MCCs: 9211, 9222, 9223, 9311, 9399, 9402, 9405, 9950
Source: HSBC RuPay Cashback Service Guide 06/25 (bank PDF) - hsbc.co.in - read 22 Aug 2026
Gaming
earns nothing
Gambling: no cashback.
→ use FIRST Private here (6.6%)
detail & source
categories: Gaming · MCCs: 7995
Source: HSBC RuPay Cashback Service Guide 06/25 (bank PDF) - hsbc.co.in - read 22 Aug 2026
EMI
earns nothing
EMI-converted transactions earn no cashback.
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
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%.
categories: EMI
Source: HSBC RuPay Cashback Service Guide 06/25 (bank PDF) - hsbc.co.in - read 22 Aug 2026
Utility bills
earns nothing
Utilities (MCC 4900) excluded per the current page footnote - newer than the Service Guide table that left the cell blank.
→ use HSBC Live+ here (10.0%)
detail & source
categories: Utility bills · MCCs: 4900
Source: HSBC RuPay Cashback Service Guide + page - hsbc.co.in - read 22 Aug 2026