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Guide

How to Apply for the HSBC Cashback Credit Card in 2026

Rahul Dabhi's profile photo Rahul Dabhi
3 min read
Reviewed by Renish Mithani Last reviewed 5 September 2026 Data verified 5 September 2026

Heads-up: HSBC Cashback Credit Card is no longer openly issued, so some figures below may be stale. The application steps still show how issuer applications generally work.

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.

How to Apply for the HSBC Cashback Credit Card in 2026

How to apply Total time: 10 min · You’ll need: PAN, Aadhaar, mobile, salary slips (if required)

Apply for the HSBC Cashback Credit Card with 10% cashback on dining, movies, and travel. Eligibility, benefits, and the application process.

  1. Check Cashback eligibility — You must be 21–60 years old, a resident Indian, with a minimum monthly income of ₹20,000. CIBIL score of 720+ is preferred. Non-HSBC customers can apply.
  2. Apply online via HSBC website — Visit hsbc.co.in → Cards → Credit Cards → Cashback. Click Apply Now. The form is pre-filled if you are an existing HSBC customer.
  3. Complete the application — Provide your name (as on PAN), PAN, Aadhaar, mobile, email, address, employment details, and monthly income.
  4. Complete Aadhaar eKYC — Authorize Aadhaar OTP eKYC. Verification completes within 60 seconds.
  5. Submit and track — Submit the form. The 12-digit application reference is shown. Track status in HSBC NetBanking or the HSBC app. Approval takes 5–10 working days.
  6. Receive the card and activate — Once approved, the card is delivered within 5 working days. Activate via IVR, HSBC app, or at any HSBC ATM by setting a 4-digit PIN.
  7. Use the card for dining, movies, and travel — Use the card at restaurants, cinema halls, and for travel spends to earn 10% cashback. The 10% is capped at ₹1,000 per month.
  8. Use the card for all other online spends — Use the card for all other online spends to earn 1.5% cashback. The 1.5% is uncapped — no monthly cap.

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.

Disclosure: FinWiz24 may earn a commission when you apply through links on this page. This does not influence our editorial independence — every card is scored against the same rubric.

Sources

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