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HSBC

HSBC Cashback

VisaMidCashback
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Annual Fee

₹999

Reward Type

Cashback

Forex

3.5%

Lounge

4 dom · 0 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining Fee₹999
Annual Fee₹999(waived ≥ ₹2,00,000)
Min Monthly Income₹40,000

Rewards

Reward TypeCashback
Base Rate1.5%
Point Value₹1/point

Category Multipliers

dining10%(cap ₹1,000)grocery10%(cap ₹1,000)food delivery10%(cap ₹1,000)

Redemption Values

statement credit₹1/pt

Travel & Global

Forex Markup3.5%
Domestic Lounge4 visits/yr
Intl. LoungeNone
Lounge NetworkDreamfolks

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💡 Fee Waiver Strategy

Spend ₹2L/year to waive ₹999 annual fee.

⚖️ Breakeven Analysis

To recover the ₹999 annual fee at the base reward rate of 1.5%, you need to spend ₹66,600 annually.

🎯 Pro Tips

  • ▸Best card for grocery & dining (10% cashback).

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹33,801

Effective Rate

2.8%

Ranked #11 of 173 cards⭐ Top 30

₹999 annual fee deducted from gross rewards value.

🏷️ Best For

dininggrocerycashback