Best HSBC Bank Credit Cards 2026

HSBC credit cards feature high cashback on grocery & dining with Live+, plus travel perks on Premier and Cashback credit cards.

Top HSBC Bank Credit Cards in India 2026

HSBC Live+ Credit Card

4.0/5
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HSBC Live+ Credit Card by HSBC Bank
Joining Fee Lifetime Free
Annual Fee Free
Best Suited For Everyday Spending, Food Delivery Apps, Multi-category Shopping, and Lifestyle Cashback
Rewards Type Cashback

Rewards Rate

10% cashback on dining, food delivery, grocery, shopping & utility spends (capped ₹1,200/month); 1.5% uncapped on other eligible retail spends

Welcome Benefits

N/A

Card Details +

Key Advantages

  • ✓ 10% cashback on dining, food delivery, grocery, utility & shopping spends (shopping category excludes Amazon, Flipkart & Myntra)
  • ✓ Unlimited 1.5% cashback on all other eligible retail spends
  • ✓ Upgraded to Visa Infinite (from July 2026): airport Meet & Assist, complimentary ITC Hotels stays, Avis car rental privileges
  • ✓ Annual fee waived on ₹2 Lakh yearly spend, effectively free for regular users

Limitations

  • ✕ Accelerated cashback is capped at ₹1,200 per month
  • ✕ Lounge access reduced to 2 domestic visits/year (from 4) as of July 2026
  • ✕ Wallet loads and cash advances are excluded from cashback
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HSBC TravelOne Credit Card

4.7/5
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HSBC TravelOne Credit Card by HSBC Bank
Joining Fee ₹5,000 + Taxes
Annual Fee ₹5,000 + Taxes
Best Suited For Instant Airline & Hotel Loyalty Transfers Globally
Rewards Type Reward Points

Rewards Rate

4 reward points per ₹100 on flights, travel aggregators & foreign currency (capped 50,000 points/month); 2 points per ₹100 on other spends

Welcome Benefits

₹1,000 cashback + ₹3,000 PostCard voucher + 3 months EazyDiner Prime on ₹25,000 spend in 30 days

Card Details +

Key Advantages

  • ✓ Instant reward point transfer to 16+ global airline & hotel partners (Singapore KrisFlyer, Asia Miles, Marriott, etc.)
  • ✓ 4 reward points per ₹100 on flights, travel aggregators and foreign currency
  • ✓ 4 complimentary domestic & 4 international airport lounge visits per year
  • ✓ 20,000 bonus points on joining fully offsets the ₹5,000 joining fee

Limitations

  • ✕ ₹5,000 annual fee charged upfront
  • ✕ 2 reward points per ₹100 on non-travel domestic spends
  • ✕ High spend requirement (₹6 Lakh) for annual fee waiver
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HSBC Premier Credit Card

3.0/5
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HSBC Premier Credit Card by HSBC Bank
Joining Fee 1st Year Fee: ₹12,000 + Taxes; 2nd Year Onwards: ₹20,000 + Taxes
Annual Fee 1st Year Fee: ₹12,000 + Taxes; 2nd Year Onwards: ₹20,000 + Taxes
Best Suited For HSBC Premier Banking Loyalists and Frequent Global Travelers
Rewards Type Reward Points

Rewards Rate

3 reward points for every ₹100 spent across all standard categories; Accelerated travel spends include 12X rewards on hotel bookings and 6X rewards on flight tickets via HSBC Rewards Marketplace

Welcome Benefits

20,000 bonus reward points on making the first transaction within the first 30 days of card issuance

Card Details +

Key Advantages

  • ✓ 0.99% forex markup, among the lowest available on any Indian credit card
  • ✓ 1:1 point transfer to a wide range of global airline and hotel partners
  • ✓ Unlimited complimentary domestic and international lounge access, plus 8 guest visits a year
  • ✓ 12X points on hotel bookings and 6X on flights through HSBC's Rewards Marketplace

Limitations

  • ✕ Steep ongoing annual maintenance renewal fee barrier of ₹20,000 from the second year onwards
  • ✕ Base reward rate yield of 3% is less competitive compared to rival top-tier premium cards offering up to 4.5%
  • ✕ Strict monthly reward points accumulation caps applied across select routine lifestyle and payment categories
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HSBC RuPay Platinum Credit Card

4.3/5
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HSBC RuPay Platinum Credit Card by HSBC Bank
Joining Fee Lifetime Free
Annual Fee ₹0 (Lifetime Free)
Best Suited For RuPay UPI QR Payments & Daily Digital Transactions
Rewards Type Cashback

Rewards Rate

2 reward points per ₹150 spent, instantly convertible to airline miles and hotel loyalty points via the HSBC mobile app

Welcome Benefits

₹500 cashback for downloading the HSBC app, logging in, and spending ₹5,000 within 30 days of card issuance, plus a ₹250 Amazon eGift voucher, 2-month EazyDiner membership, and a separate ₹250 UPI-linking cashback

Card Details +

Key Advantages

  • ✓ Lifetime free — no joining fee, no annual fee
  • ✓ 2 reward points per ₹150 spent, instantly convertible to airline miles and hotel loyalty points
  • ✓ ₹500 cashback for downloading the HSBC app, logging in, and spending ₹5,000 within 30 days
  • ✓ Additional welcome offers: ₹250 Amazon eGift voucher, 2-month EazyDiner membership, ₹250 UPI-linking cashback
  • ✓ JCB network access for ATMs and payments in 160+ countries

Limitations

  • ✕ No airport lounge access included
  • ✕ Reward point value depends on airline/hotel transfer partner chosen, not a fixed cashback rate
  • ✕ Fuel surcharge waiver capped at ₹3,000/year
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HSBC Visa Platinum Credit Card

4.3/5
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HSBC Visa Platinum Credit Card by HSBC Bank
Joining Fee Lifetime Free
Annual Fee Free
Best Suited For Lifetime Free Basic Spends & Introductory Rewards
Rewards Type Cashback

Rewards Rate

2 reward points per ₹150; 5X reward points on milestone spends

Welcome Benefits

₹500 Amazon Gift Voucher + 500 bonus reward points on card activation

Card Details +

Key Advantages

  • ✓ Lifetime free credit card with ₹0 joining fee and ₹0 annual fee
  • ✓ 5X reward points on spending above ₹4,000,000 milestone
  • ✓ 1% fuel surcharge waiver across all fuel pumps
  • ✓ Complimentary Amazon gift voucher welcome benefit

Limitations

  • ✕ Base reward rate of 2 points per ₹150 is low
  • ✕ No airport lounge access included
  • ✕ Reward point redemption options limited compared to premium cards
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HSBC RuPay Cashback Credit Card

3.0/5
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HSBC RuPay Cashback Credit Card by HSBC Bank
Joining Fee 1st Year Fee: ₹499* Plus Applicable Taxes
Annual Fee 1st Year Fee: ₹499* Plus Applicable Taxes
Best Suited For UPI Payments, Dining Spends, and Everyday Household Groceries via Direct Cashback
Rewards Type Cashback

Rewards Rate

10% cashback on dining, grocery, and food delivery spends; 1% cashback on other eligible spends, including UPI transactions; Cashback is capped at ₹400 per month

Welcome Benefits

₹500 cashback upon downloading and logging into the HSBC India mobile banking app and spending ₹10,000 within 30 days of card issuance (applicable till 31 Mar 2026); Complimentary 2-month EazyDiner Prime membership on card activation (if activated between 15 July 2025 and 31 Mar 2026)

Card Details +

Key Advantages

  • ✓ 10% cashback on dining, groceries and food delivery
  • ✓ 1% cashback on UPI payments via the RuPay network
  • ✓ Zero forex markup until 31 December 2026
  • ✓ Cashback credited directly to your statement, no point conversion needed
  • ✓ Fee waived on ₹2 lakh in annual spend

Limitations

  • ✕ Tight monthly billing cycle cashback earning cap strictly limited to a maximum of ₹400
  • ✕ Completely excludes all international and foreign currency spends from earning any cashback value back
  • ✕ Extensive list of day-to-day transaction exclusions (fuel, utilities, insurance, rent, wallet top-ups, education, and govt fees) that yield zero cashback returns
Full Card Review →

HSBC Taj Credit Card

4.4/5
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HSBC Taj Credit Card by HSBC Bank
Joining Fee ₹4,999 + Taxes
Annual Fee ₹4,999 + Taxes
Best Suited For Taj Hotel Guests & IHCL Loyalists
Rewards Type Reward Points

Rewards Rate

1.5 reward points per ₹100 on standard spends; 5 reward points per ₹100 at Taj, SeleQtions, Gateway, Vivanta hotels and amã Stays & Trails properties (~1% general / ~3.33% Taj Group value-back); 1.5 points = ₹1 in HSBC Taj Wallet balance

Welcome Benefits

Complimentary Taj Epicure membership upgrade and Taj stay vouchers on activation

Card Details +

Key Advantages

  • ✓ Deep integration with Taj, SeleQtions and Vivanta properties, including room upgrades and stay discounts
  • ✓ Domestic and international airport lounge access included
  • ✓ 5 reward points per ₹100 at Taj Group hotels, versus 1.5 points per ₹100 on standard spends

Limitations

  • ✕ Most of the card's value is concentrated in IHCL properties (Taj, SeleQtions, Vivanta), so it offers little outside that hotel group
  • ✕ Premium upfront recurring maintenance fee barrier
Full Card Review →

HSBC Bank Credit Cards at a Glance

Best HSBC Bank Credit Cards Comparison Table
Card Fee Rating
1. HSBC Live+ Credit Card Free ★ 4.0 View →
2. HSBC TravelOne Credit Card ₹5,000 + Taxes ★ 4.7 View →
3. HSBC Premier Credit Card 1st Year Fee: ₹12,000 + Taxes; 2nd Year Onwards: ₹20,000 + Taxes ★ 3.0 View →
4. HSBC RuPay Platinum Credit Card ₹0 (Lifetime Free) ★ 4.3 View →
5. HSBC Visa Platinum Credit Card Free ★ 4.3 View →
6. HSBC RuPay Cashback Credit Card 1st Year Fee: ₹499* Plus Applicable Taxes ★ 3.0 View →
7. HSBC Taj Credit Card ₹4,999 + Taxes ★ 4.4 View →

Frequently Asked Questions

What are HSBC's most popular credit cards in India?

HSBC Taj Credit Card (luxury/hotel privileges), HSBC TravelOne (airline/hotel rewards), and HSBC Live+ (cashback on dining, shopping and travel) are among HSBC's most popular cards.

Does HSBC offer RuPay credit cards for UPI payments?

Yes, the HSBC RuPay Platinum and HSBC RuPay Cashback credit cards are UPI-enabled, letting you earn rewards on QR code payments.

How much can I save on fuel surcharge with an HSBC credit card?

HSBC credit cards can offer up to ₹3,000 in annual fuel surcharge waiver savings, depending on the specific card and usage.

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