In a market flooded with credit cards that come with complicated rewards and hidden conditions, the HSBC Visa Cashback Credit Card stands out for its simplicity. There are no confusing reward points or tiers to decode — just straightforward cashback on the things you spend on the most. That’s exactly what makes it one of the best credit cards in India for beginners.
Whether you’re just starting your credit journey or looking for a card that offers guaranteed value without the jargon, HSBC’s Visa Cashback Card is worth a serious look. It’s easy to understand, easy to use, and delivers real savings on everyday purchases.
Key Features at a Glance – HSBC Cashback Credit Card
10% Cashback on Essentials
Get 10% cashback on dining, food delivery, and grocery spends — valid across popular merchants like Swiggy, Zomato, Blinkit, BigBasket, DMart, Reliance Smart, and more. Cashback capped at ₹1,000 per month.1.5% Unlimited Cashback
Earn 1.5% cashback on all other eligible spends — with no maximum cap. Perfect for shopping, and bill payments.4 Free Domestic Airport Lounge Visits/Year
Enjoy 1 complimentary visit per quarter at select Indian airports — ideal for occasional travelers.BookMyShow Movie Offer
Buy-One-Get-One-Free (BOGO) offer on Saturdays with a maximum discount of ₹250 per ticket.Annual Fee Waiver
The ₹999 annual fee is waived if you spend ₹2,00,000 or more in a year — easily achievable for regular users.
Welcome Benefits – HSBC Cashback Credit Card
₹1,000 Cashback
Spend ₹20,000 in the first 30 days of card issuance and get ₹1,000 cashback directly credited.₹250 Amazon Voucher
Get a ₹250 voucher just for applying online and completing your KYC.
*The above benefits may change from time to time.
Why you will love this card?
- Simplicity = Clarity
No tracking points, no calculating conversion rates — just direct cashback. - High-Reward Essentials
10% cashback on food and groceries makes this ideal for everyday spending. - Unlimited General Cashback
Get 1.5% back on everything else, including bills, online shopping, and more. - Added Lifestyle Perks
From lounge access to movie ticket offers, the extras sweeten the deal.
Things to Keep in Mind
- Eligibility
Currently issued only to salaried individuals in select cities (Delhi NCR, Mumbai, Bengaluru, Chennai). - Exclusions Apply
Cashback not applicable on fuel, wallet reloads, rent payments, insurance, and government transactions. - Fee Waiver Condition
Annual fee waiver applies only if you spend ₹2L+ in a year — still reasonable for regular users.
Is the HSBC Visa Cashback Credit Card Right for You?
If you’re a first-time credit card user or someone looking for a no-fuss cashback experience, this card checks all the boxes. You get real, tangible savings on essentials, unlimited cashback on everything else, and some useful travel and entertainment perks on top. It’s simple, rewarding, and reliable — a great entry point into the world of credit cards.
Interested in earning by helping others get this card?
Sign up on PickMyWork and get paid for every successful HSBC credit card activation you refer!
👉 Apply now or start referring on PickMyWork App – Download Link – Android, iPhone
Frequently Asked Questions (FAQs)
1. Who is eligible for the HSBC Visa Cashback Credit Card?
The card is currently offered to salaried individuals residing in select cities like Delhi NCR, Mumbai, Bengaluru, Hyderabad, Pune, and Chennai. Applicants should be 21 to 60 years old and meet HSBC’s income and credit criteria.
2. How do I earn cashback with this card?
You earn 10% cashback on dining, food delivery, and grocery purchases (up to ₹1,000 per billing cycle), and 1.5% unlimited cashback on all other eligible spends. Cashback is automatically credited in your next month’s statement.
3. Are there any spending categories that don’t qualify for cashback?
Yes, cashback is not offered on wallet reloads, rent payments, fuel spends, insurance payments, and government-related transactions like taxes and fines.
4. What happens if I don’t spend ₹2,00,000 in a year?
If your annual spending falls below ₹2,00,000, you’ll be charged an annual fee of ₹999. However, the card still provides value through cashback and lounge access, making it a solid choice even with the fee.
5. How can I apply for or refer this card through PickMyWork?
You can sign up as an agent on the PickMyWork platform (Download Now) and start referring users to apply for the HSBC Visa Cashback Credit Card. For every successful activation, you earn a payout. It’s a great way to boost your income with minimal effort.
