How to Apply for the HSBC Cashback Credit Card in 2026
Apply for the HSBC Cashback Credit Card with 10% cashback on dining, movies, and travel. Eligibility, benefits, and the application process.
FinWiz24 Editorial
The HSBC Cashback Credit Card is a lifetime-free lifestyle card with 10% cashback on dining, movies, and travel, 1.5% on all other online spends, 1% on all offline spends, and 1% fuel surcharge waiver. The card is targeted at urban users who spend heavily on dining, entertainment, and travel.
Why this matters
HSBC Cashback is the only lifetime-free HSBC card in India. The 10% on dining, movies, and travel is competitive with paid cards. The 1.5% on all other online spends is a useful secondary benefit. The card is open to non-HSBC customers.
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How to Apply for the HSBC Cashback Credit Card in 2026
Common mistakes to avoid
The 10% cashback is capped at ₹1,000 per month. The 10% is restricted to direct POS transactions — Swiggy, Zomato, and online travel portals do not qualify. The card does not include lounge access.
Pro tips
- Use HSBC Cashback for offline dining, movies, and direct travel bookings
- Track the ₹1,000/month cashback cap in the HSBC app
- Use the card for all other online spends to earn 1.5%
- Pair with HSBC Premier for premium benefits
Frequently asked questions
Is HSBC Cashback lifetime free?
Yes. The card has no joining or annual fee. There is no fee waiver target.
What is the 10X cap?
10% on dining, movies, and travel is capped at ₹1,000 per month.
Does the 10X apply to Swiggy?
No. The 10% is restricted to offline POS transactions.
Material Connection: Some of the links in this content may be affiliate links, meaning we may earn a commission at no extra cost to you if you apply through our links.
Written by FinWiz24 Editorial
Editorial Disclosure: Our editorial team provides independent, unbiased information about credit cards. We may receive compensation from partner links, but this does not influence our reviews or recommendations.