HSBC best credit cards 2026
Want to save more every time you spend?
Explore the best HSBC credit cards for 2026—perfect for shopping, fuel, travel, and dining. These cards offer smart cashback, exciting rewards, and premium benefits tailored to your lifestyle. Whether you’re a frequent traveler or a savvy shopper, HSBC has options that help you earn more and spend less. Just tap “Apply Now” to unlock exclusive offers and start maximizing your savings today.
- No joining or annual fees
- Earn up to 6 times the reward points on hotels, flights and car rentals through Travel with Points
- Earn 2 reward points for every INR150 you spend with your card
- A complimentary 12-month Times Prime subscription
- Complimentary flight seat selections twice a year on domestic flights booked with MakeMyTrip using promo code: VISAFREESEAT.
- Save 15% on domestic and international holiday Bookings at Yatra, EaseMyTrip, PayTM Travel and ClearTrip
- Save up to 20% at select duty free stores in India
- Earn 4 reward points for every INR100 spent on flights, travel aggregators and in foreign currency
- Get 2 reward points for every INR100 spent on anything else, with no cap
- Treat yourself with 10% cashback on dining and food delivery
- Get 10% cashback on groceries
- 1.5% unlimited cashback at other retailers.
- Shop – both online and offline
- 4 complimentary domestic airport lounge visits per year
Disclaimer: The credit card offers, rewards, and benefits listed on this page may change at the discretion of HDFC Bank. While we aim to keep all details accurate and updated, we do not guarantee product availability or approval. Cashback rates, fees, and eligibility criteria can vary based on your profile and usage. We may earn a commission when you apply through our links, at no extra cost to you.
🔍 Frequently Asked Questions
The HSBC Cashback Credit Card is one of the top choices in 2025. It offers:
1.5% cashback on online spends
1% cashback on other transactions
No joining fee and easy redemption
Ideal for salaried professionals and online shoppers.
Most HSBC cards require a minimum monthly income of ₹20,000–₹30,000. For premium cards like HSBC Premier, you may need ₹1 lakh+ monthly income or an existing Premier banking relationship.
A CIBIL score of 750 or above is preferred for smooth approval. Applicants with scores above 700 may still qualify for entry-level cards if they have stable income and repayment history.
Some HSBC cards are lifetime free, while others offer fee waivers if you meet annual spending thresholds. For example, the Cashback card waives the fee if you spend ₹50,000 or more in a year.
Yes, HSBC allows EMI conversion for eligible transactions. You can request this via NetBanking or customer care. Tenure and interest rates vary, and some offers include no-cost EMI options.
The HSBC Premier Credit Card offers:
Complimentary airport lounge access
Global concierge services
Travel insurance and hotel discounts
Perfect for frequent flyers and international travelers.
You can request a credit limit increase after 6–12 months of consistent usage and timely payments. HSBC may ask for updated income documents and reviews your spending pattern before approval.
To cancel your HSBC credit card:
Call HSBC customer care
Or send a written request via email/post Make sure all dues are cleared and recent transactions are settled before initiating cancellation.