BoB Select vs HSBC Cashback Card
Side-by-side credit card comparison to help you choose the best one.
HSBC Cashback Card
Why this card wins: Pure Cashback — 1.5% unlimited cashback on all spends
| Feature | ||
|---|---|---|
| Bank | Bank of Baroda | HSBC India |
| Card Type | Entry Level | Cashback |
| Annual Fee | ₹499 + GST | ₹750 + GST |
| Joining Fee | ₹499 + GST | ₹750 + GST |
| Rewards | 2 reward points per ₹100 spent | 1.5% unlimited cashback on all spends |
| Best For | Everyday Spending | Pure Cashback |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹25,000 - ₹2,00,000 | ₹50,000 - ₹5,00,000 |
| Welcome Benefit | 500 reward points on first spend | ₹750 cashback on first ₹7,500 spend |
| Min Income | ₹15,000/month | ₹25,000/month |
| Lounge Access | 2 domestic per year | 2 domestic per year |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4 | 4.4 |
| Contactless | ||
| EMI Conversion |
Key Features
BoB Select
Everyday Spending
Visa • Entry Level
- Annual fee waiver on ₹75,000 spend
- 2% cashback on utility bill payments
- Fuel surcharge waiver
- Easy EMI conversion facility
HSBC Cashback Card
Pure Cashback
Visa • Cashback
- No merchant category restrictions
- Cashback auto-credited to statement
- Global acceptance — accepted in 200+ countries
- Fee waiver on ₹1L annual spend
Verdict
Based on rating and overall value, HSBC Cashback Card ranks highest among your selected cards. It excels at Pure Cashback and offers 1.5% unlimited cashback on all spends.
Frequently asked questions
Which is better: BoB Select or HSBC Cashback Card?
HSBC Cashback Card has the higher CardKhoj rating (4.4/5) and is best for pure cashback. BoB Select is the better fit if your priority is everyday spending. The right choice depends on where you spend most.
Which has the lower annual fee: BoB Select and HSBC Cashback Card?
BoB Select is cheaper to hold at ₹499 + GST, compared with ₹750 + GST for HSBC Cashback Card.
Do BoB Select and HSBC Cashback Card offer airport lounge access?
BoB Select: 2 domestic per year. HSBC Cashback Card: 2 domestic per year.
Which card is better for international spending?
All of them charge the same forex markup of 3.5% + GST, so choose based on other benefits.
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