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HSBC Cashback vs Union Bank Nexteria (RuPay Ekaa)

Compare HSBC Cashback vs Union Bank Nexteria (RuPay Ekaa) across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

HSBC Cashback has the strongest mix of rewards and low fees in this comparison.

Card 1

HSBC Cashback

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

Card 2

Union Bank Nexteria (RuPay Ekaa)

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.10.0
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
Union Bank Nexteria RuPay Ekaa
Premium stack10.0

union / RUPAY

Union Bank Nexteria (RuPay Ekaa)

Annual

₹12,499

Return

1%

Lounges

Unlimited

Forex

3.5%

Card summary
  • Union Bank Nexteria (RuPay Ekaa) leans travel and lifestyle with ₹12,499 annual fee, 1% headline return potential, and Unlimited lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹12,499 annual fee.
  • 1% cashback keeps value easy to understand.
  • Unlimited lounge access adds travel utility.
Cons
  • 3.5% forex markup can reduce overseas value.
  • Higher ₹25,00,000 income expectation narrows eligibility.
  • Travel value depends on actually using lounge and trip perks.
Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Best when annual benefits are actively redeemed.

Full card details
Metric
HSBC Cashback
Union Bank Nexteria (RuPay Ekaa)
Fees
Annual fee
₹1,999
₹12,499
Joining fee
₹1,999
₹12,499
Rewards
Cashback rate
10%
1%
Reward rate
3%
1%
Travel
Forex markup
2.5%
3.5%
Domestic lounges
4
Unlimited
International lounges
0
Unlimited
Benefits
Fuel waiver
No
No
Dining
Yes
Yes
Movies
Yes
Yes
Eligibility
Minimum income
₹6,00,000
₹25,00,000

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