HSBC Cashback Credit Card Detailed Review

HSBC ne haal hi mein apne Cashback Credit card ko upgrade kiya hai aur main yeh kehna chahunga ki isse is season ke brutal devaluations mein ek exceptional option banaya gaya hai. Kyunki travel ke liye points earn karna phir se mushkil ho raha hai, bahut log cashback credit cards mein shift ho rahe hain apne valueback ko badhane ke liye.

Chaliye, HSBC Bank ke is amazing credit card ka quick review dekhte hain!

Charges and Welcome Benefits

  • Joining Fees: ₹999 + GST
  • Welcome Benefits: ₹10000 kharch par pehle 30 din ke andar ₹1000 ka Amazon voucher
  • Annual Fees: ₹999 + GST
  • Annual Benefits: Koi nahi
  • Annual Fee Waiver: Saal mein ₹2L kharch karne par annual fee ka waiver*.
  • Add-on Fees: Koi nahi
  • Card Category: Cashback Note: Welcome voucher joining fee ko cover karta hai, lekin annual fees ke liye koi benefits nahi hain.

Reward Rate

Spends Area: Cashback Rate / Capping

Saare dining, food delivery, aur grocery spends: 10% / ₹1000

Baaki saare spends: 1.50% /

Fuel, e-wallets, rental payments, Business to Business transactions, education and government payments, Insurance, Jewelry and antique items, Gambling, Tolls and Bridge Fees, Financial and Non-Financial Institutions, Security Broker Services, Collection Agencies, Charity, Money Transfers and Wholesale Clubs par cashback nahi milega. Cashback aapko statement generation date ke 45 din baad mil jaayega. Cash-back redemption fee nahi lagti.

Other Benefits:

Airport Lounge Access:

  • Domestic Airport Lounge Access
  • Complimentary Limit – 4 Visits/ Calendar year (1 per quarter) sirf India mein primary cardholders ke liye.
  • Access Via – Credit Card Fuel Surcharge Waiver:
  • Is card par koi fuel surcharge waiver nahi hai. Forex Markup:
  • Forex markup charges lagte hain, 3.5%+GST ke hisab se.

HSBC Cashback Credit Card Eligibility:

Age: 18 se 65 tak

Annual income: Kam se kam ₹4,00,000 har saal (salaried individuals ke liye)

Indian resident hona chahiye

Kisi bhi yeh shehron mein rehna chahiye: Bangalore, Chennai, Gurgaon, Hyderabad, Mumbai, New Delhi, Noida, Pune Note: HSBC Bank abhi sirf apne credit cards ko salaried individuals ko offer kar raha hai aur woh bhi kaafi strictly. Agar aap self-employed hain toh aap apni kismat azma sakte hain ek premium bank account khulwakar, woh bhi ek bade NRV ke against.

Conclusion

Toh bhaiyon aur unke pyaaron, HSBC ka yeh Cashback Credit card kaafi solid lag raha hai, especially is time mein jab devaluations ka season chal raha hai. Travel ke liye points kamane mein dikkat ho rahi hai, toh cashback credit card ek smart choice ban sakta hai. Charges thode saare hain, par benefits bhi kaafi hain. Jaise ki humne dekha, welcome voucher toh joining fee cover kar deta hai, lekin annual fees ke liye koi special benefits nahi hain. Cashback rates bhi kaafi achhe hain, bas kuch transactions mein nahi milega. Aur haan, eligibility mein thoda sa gyaan bhi diya gaya hai, taki sabko clear ho jaye ki kaun kaun apply kar sakta hai.

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