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HSBC Cashback vs Amex Gold Charge

Compare HSBC Cashback vs Amex Gold Charge across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

Amex Gold Charge leads on reward rate, while HSBC Cashback has the lowest annual fee.

Card 1

HSBC Cashback

Monthly spenders who want visible cashback without chasing complex reward conversions.10.0

Card 2

Amex Gold Charge

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.4.8
HSBC Cashback Credit Card
Balanced value10.0

hsbc / MASTERCARD

HSBC Cashback

Annual

₹1,999

Return

10%

Lounges

4

Forex

2.5%

Card summary
  • HSBC Cashback leans cashback-first with ₹1,999 annual fee, 10% headline return potential, and 4 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹1,999 annual fee.
  • 10% cashback keeps value easy to understand.
  • 4 lounge access adds travel utility.
Cons
  • 2.5% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel benefits are limited compared with premium cards.
Best for

Monthly spenders who want visible cashback without chasing complex reward conversions.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
Amex Gold Charge - AMEX credit card
Balanced value4.8

amex / AMEX

Amex Gold Charge

Annual

₹4,500

Return

4%

Lounges

0

Forex

3.5%

Card summary
  • Amex Gold Charge leans reward-led with ₹4,500 annual fee, 4% headline return potential, and 0 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹4,500 annual fee.
  • 4% reward rate can outperform flat cashback for loyal users.
  • Simple everyday positioning without premium travel complexity.
Cons
  • 3.5% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel benefits are limited compared with premium cards.
Best for

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
Metric
HSBC Cashback
Amex Gold Charge
Fees
Annual fee
₹1,999
₹4,500
Joining fee
₹1,999
₹1,000
Rewards
Cashback rate
10%
0.75%
Reward rate
3%
4%
Travel
Forex markup
2.5%
3.5%
Domestic lounges
4
0
International lounges
0
0
Benefits
Fuel waiver
No
No
Dining
Yes
Yes
Movies
Yes
No
Eligibility
Minimum income
₹6,00,000
₹5,00,000

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