HSBC Cashback Card vs SBI CashBack Card
Side-by-side credit card comparison to help you choose the best one.
SBI CashBack Card
Why this card wins: Pure Cashback — 5% Cashback on ALL online spends
| Feature | ||
|---|---|---|
| Bank | HSBC India | SBI |
| Card Type | Cashback | Premium Cashback |
| Annual Fee | ₹750 + GST | ₹999 + GST |
| Joining Fee | ₹750 + GST | ₹999 + GST |
| Rewards | 1.5% unlimited cashback on all spends | 5% Cashback on ALL online spends |
| Best For | Pure Cashback | Pure Cashback |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.35% per month (40.20% p.a.) |
| Credit Limit | ₹50,000 - ₹5,00,000 | ₹50,000 - ₹5,00,000 |
| Welcome Benefit | ₹750 cashback on first ₹7,500 spend | None |
| Min Income | ₹25,000/month | ₹30,000/month |
| Lounge Access | 2 domestic per year | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver (cap ₹100/month) |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | ₹499 + GST |
| Rating | 4.4 | 4.5 |
| Contactless | ||
| EMI Conversion |
Key Features
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
SBI CashBack Card
Pure Cashback
Visa • Premium Cashback
- 1% cashback on offline spends
- Direct cashback credit to statement
- No merchant restrictions for 5% cashback
- Fuel surcharge waiver up to ₹100/month
Verdict
Based on rating and overall value, SBI CashBack Card ranks highest among your selected cards. It excels at Pure Cashback and offers 5% Cashback on ALL online spends.
Frequently asked questions
Which is better: HSBC Cashback Card or SBI CashBack Card?
SBI CashBack Card has the higher CardKhoj rating (4.5/5) and is best for pure cashback. HSBC Cashback Card is the better fit if your priority is pure cashback. The right choice depends on where you spend most.
Which has the lower annual fee: HSBC Cashback Card and SBI CashBack Card?
HSBC Cashback Card is cheaper to hold at ₹750 + GST, compared with ₹999 + GST for SBI CashBack Card.
Do HSBC Cashback Card and SBI CashBack Card offer airport lounge access?
HSBC Cashback Card: 2 domestic per year. SBI CashBack Card: no complimentary lounge access.
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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