Best Credit Card

All Benefits

  • Get upto ₹6,000 Discounts on flights and hotels via Cleartrip on full swipe (code: HSBCRPCC) and EMI transactions (code: HSBCRPEMI)
  • Earn 1% cashback on all other eligible spends
  • Earn up to ₹400 cashback per month
  • Earn 10% Cashback on Dining, Food Delivery, and Grocery Spends
  • Get 5% off on Paytm bill payments of ₹299 or more, up to ₹150 discount

Fees

Joining Fee Pay ₹499 and get ₹500 cashback by spending ₹10,000 within the first 30 days, effectively offsetting the joining fee.
₹589
₹499 + GST
Annual Fee The annual fee is waived off if you spend more than ₹2 lakh in a year.
₹589
₹499 + GST

Eligibility

Age
21-65 years
Salary
₹50K / Month
Credit Score
750+

Bank Fee Structure

Forex Markup 3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency Examples (3.5%): ₹100 → ₹3.5 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.5%
Finance Charges (APR) Finance charges of 3.49% per month (41.88% per annum) apply on unpaid outstanding balances until the amount is fully repaid.
3.49%
ATM Withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).
2.50%
Reward Redemption No fee is charged when redeeming reward points on this card.
Not Applicable
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets.
1%
Rent Payment 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges
1%
Cheque Payment No cheque payment fee is charged
Not Applicable
Cash Payment ₹100 cash payment fee per deposit.
₹100

Late Payment Charges

Amount dueFee
₹0 - ₹250₹250
₹251 - ₹500₹500
₹501 - ₹1200₹1200

A late payment fee equal to 100% of the Minimum Payment Due is charged, with a minimum of ₹250 and a maximum of ₹1,200 per month.

Reward Exclusions

Fuel SpendsWallet LoadsRent PaymentBusiness ServicesEducation SpendsGovernment-Related TransactionsInsurance PaymentsJewellery PurchasesAntique ItemsGambling TransactionsToll PaymentsCash AdvancesATM Cash WithdrawalsOutstanding PaymentsForex TransactionsCryptocurrency/Digital Asset TransactionsLiquid AssetsSecurity Broker ServicesCollection AgenciesCharityDonationsMoney TransfersUtility Bill Payments

Terms & Conditions

  • The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application
  • A minimum transaction of Rs.100 within 30 days is required to activate the card, otherwise, you won’t be eligible for the Rewards

Full charges and terms: Bank MITC / Terms