Complete Guide: RuPay JCB International Cashback Offer
Get 25% cashback up to ₹15,000 on international spends with RuPay JCB credit & debit cards. Complete guide to eligible cards, countries & how to maximize savings.
Last Updated: 29 November 2025 | Reading Time: 8 minutes
Planning an international trip to Southeast Asia or Japan? Your wallet is about to get a lot happier. RuPay JCB has launched an exciting cashback campaign offering 25% cashback on international spends, with potential savings of up to ₹15,000 per card.
In this comprehensive guide, we'll walk you through everything you need to know about the RuPay JCB international cashback offer, eligible credit cards and debit cards, and smart strategies to maximize your savings on international transactions.
What is the RuPay JCB International Cashback Offer?
RuPay, India's domestic card payment network, has partnered with JCB (Japan Credit Bureau) to create global cards that work seamlessly in international markets. The current cashback campaign rewards cardholders with significant savings on their international point-of-sale (POS) transactions in select Asian countries.
This offer applies to both RuPay JCB credit cards and RuPay JCB debit cards, making it accessible to a wide range of Indian travelers, students, and business professionals planning trips abroad.
Current RuPay JCB Cashback Offer: October - December 2025
Key Offer Highlights
Cashback Rate: 25% on all eligible international transactions
Maximum Cashback Per Transaction: ₹1,500
Total Cashback Cap: ₹15,000 per card during the entire campaign
Campaign Duration: October 15, 2025 to December 31, 2025
Eligible Countries for Cashback:
- 🇮🇩 Indonesia
- 🇲🇾 Malaysia
- 🇸🇬 Singapore
- 🇯🇵 Japan
- 🇵🇭 Philippines
Eligibility Criteria for RuPay JCB Cashback
To qualify for this international cashback offer, you need to meet the following requirements:
Card Requirements:
- Must have a RuPay JCB Global Card (credit or debit)
- Card must be activated for international transactions
- Activation can be done via net banking, mobile banking, phone banking, or bank branch
Transaction Requirements:
- Minimum of 2 Point of Sale (POS) transactions required to unlock cashback
- Once you complete 2 transactions, cashback applies to ALL transactions (including the first 2)
- No minimum transaction amount required
- Only in-store POS transactions qualify
Excluded Transactions:
- ❌ ATM withdrawals
- ❌ E-commerce/online transactions
- ❌ Void transactions or reversals
- ❌ Incomplete, declined, or fraudulent transactions
How the RuPay JCB Cashback is Calculated
Understanding the cashback calculation helps you plan your spending strategically:
Example Calculation:
Let's say you're traveling to Singapore and make the following purchases:
Transaction 1: Restaurant
- Amount: ₹4,000
- 25% Cashback: ₹1,000
- Actual Cashback Received: ₹1,000
Transaction 2: Shopping Mall
- Amount: ₹10,000
- 25% Cashback: ₹2,500
- Actual Cashback Received: ₹1,500 (capped at maximum limit)
Transaction 3: Hotel Payment
- Amount: ₹20,000
- 25% Cashback: ₹5,000
- Actual Cashback Received: ₹1,500 (capped at maximum limit)
Transaction 4: Local Transport
- Amount: ₹2,000
- 25% Cashback: ₹500
- Actual Cashback Received: ₹500
Total Spending: ₹36,000 Total Cashback Earned: ₹4,500
As you can see, transactions of ₹6,000 or more will hit the ₹1,500 per-transaction cap, so strategic spending is important to maximize your overall cashback within the ₹15,000 campaign limit.
When Will You Receive Your Cashback?
The cashback amount will be credited to your card account 60 days after the campaign ends. For this campaign (ending December 31, 2025), expect your cashback to be credited by early March 2026.
The cashback will be credited in Indian Rupees (INR) directly to your RuPay JCB card.
Eligible RuPay JCB Credit Cards for International Cashback
Multiple banks across India issue RuPay JCB credit cards, giving you several options to choose from based on your spending patterns and lifestyle preferences.
List of Popular RuPay JCB Credit Cards
Here are some of the most popular RuPay credit cards that are eligible for this international cashback offer:
- HSBC RuPay Cashback Credit Card
- HSBC RuPay Platinum Credit Card
- BOBCARD Eterna Credit Card
- BOBCARD Premier Credit Card
- Scapia Federal Bank Rupay Credit Card
- BOBCARD IRCTC Rupay Credit Card
- YES Prosperity Rewards Plus RuPay JCB Credit Card
- Kredit Pe Yes Bank ACE Rupay Credit Card
- BOBCARD Easy Credit Card
- BOBCARD Select Credit Card
- BOBCARD Snapdeal Credit Card
- Kotak Bank Indian Oil Rupay Credit Card
- IndusInd Bank Platinum RuPay Credit Card
Banks Issuing RuPay JCB Credit Cards
The following banks are known to issue RuPay JCB credit cards in India:
- Federal Bank
- State Bank of India (SBI)
- IndusInd Bank
- Punjab National Bank (PNB)
- CSB Bank
- Kotak Mahindra Bank
- RBL Bank
- Yes Bank
- Bank of Baroda (BOBCARD)
- HSBC India
Important Note: This list is not exhaustive. New RuPay JCB credit cards are regularly launched by various banks. Always check with your preferred bank for their latest offerings and eligibility criteria.
Eligible RuPay JCB Debit Cards for International Spending
RuPay JCB debit cards are an excellent option for those who prefer using their own funds rather than credit for international transactions.
Banks Offering RuPay JCB Debit Cards
Several public and private sector banks in India issue RuPay debit cards with JCB functionality:
- State Bank of India (SBI)
- Punjab National Bank (PNB)
- Central Bank of India
- Union Bank of India
- UCO Bank
- CSB Bank
- City Union Bank
- Utkarsh Small Finance Bank
How to Get a RuPay JCB Debit Card
If you have a savings account with any of these banks, follow these steps:
- Check Availability: Contact your bank via customer care, mobile app, or visit your branch
- Request Card Upgrade: Ask if your savings account variant is eligible for RuPay JCB debit card
- Submit Application: Fill out the necessary forms (usually available online)
- Card Delivery: Receive your card within 7-10 working days
- Activate International Usage: Enable international transactions before traveling
Pro Tip: Look for the JCB logo on the back of your card to confirm it's a RuPay JCB card and eligible for international use and this cashback offer.
Complete Cost Breakdown Example
Let's break down a real transaction to understand the complete picture:
Scenario: You spend approximately ₹6,000 (around $70) at a shopping mall in Singapore
With 3% Forex Markup:
- Base Transaction Amount: ₹6,000
- Forex Markup Fee (3%): ₹180
- GST on Forex Markup (18% of ₹180): ₹32.40
- Total Amount Charged to Your Card: ₹6,212.40
After Applying 25% Cashback:
- Cashback Received (25% of ₹6,000): ₹1,500
- Total Fees Paid (Forex + GST): ₹212.40
- Net Savings After All Fees: ₹1,287.60
This means even after accounting for forex markup fees and GST, you're still saving ₹1,287.60 on this ₹6,000 transaction - that's an effective discount of approximately 21.5%!
Key Takeaway: The 25% cashback more than compensates for the forex markup and GST charges, making this offer genuinely valuable for international travelers.
Check Your Card's Forex Rates
Before choosing which RuPay JCB credit card or debit card to use for international travel:
- Check your card's specific forex markup percentage
- Calculate the effective cost including GST
- Compare across multiple cards if you have them
- Choose the card with the lowest forex markup for maximum savings
Different banks charge different forex markups, so this research can save you additional money.
Credit Card vs Debit Card: Which Should You Use Internationally?
Both RuPay JCB credit cards and debit cards are eligible for the cashback offer, but there are important considerations when choosing between them for international use.
Why Credit Cards Are Generally Better for International Travel
1. Enhanced Fraud Protection 🛡️ Credit cards offer superior fraud protection mechanisms. If unauthorized charges appear, you can dispute them without affecting your actual bank balance.
2. Zero Liability Protection Most credit cards offer zero liability protection for fraudulent transactions, meaning you won't be held responsible for unauthorized charges if you report them promptly.
3. Separation from Bank Account When using a credit card, your actual bank account balance remains untouched. This is crucial in case of card cloning or data theft.
4. Better Dispute Resolution Credit card companies typically have more robust dispute resolution processes and consumer protection policies.
5. Credit Card Benefits Many RuPay JCB credit cards come with additional benefits like:
- Travel insurance
- Purchase protection
- Extended warranty
- Lounge access (on premium cards)
- Reward points
With a credit card, if something goes wrong, you have time to resolve it during the billing cycle without immediate impact on your finances.
The Bottom Line on Card Choice
Personal Recommendation: For international travel, especially to new or unfamiliar destinations, credit cards offer better protection and peace of mind. However, the choice ultimately depends on your personal financial situation, risk tolerance, and preferences.
Both card types receive the same 25% cashback, so you're not missing out on the offer regardless of which you choose.
History of RuPay JCB International Cashback Campaigns (2022-2025)
RuPay JCB has demonstrated a strong commitment to rewarding international travelers with consistent cashback campaigns over the past few years. Understanding this history helps you see the value of maintaining a RuPay JCB card even beyond the current offer.
2022: The Golden Era of 40% Cashback
RuPay JCB kicked off its international cashback journey with incredibly generous offers in 2022. Between October and December 2022, cardholders enjoyed a massive 40% cashback on transactions in Australia, Qatar, and the UAE, with a per-transaction cap of ₹3,000 and a total limit of ₹15,000. This campaign was so successful that it was immediately followed by another 40% cashback offer running from late December 2022 through March 2023, this time covering Thailand, Singapore, and Bahrain. These early campaigns established RuPay JCB as a serious player in the international travel rewards space and set high expectations for future offers.
2023: Maintaining Momentum with Premium Rewards
The year 2023 saw RuPay JCB continue its generous approach with a 40% cashback campaign from May to August. This offer expanded geographic coverage to include UAE, Thailand, Malaysia, and Spain, marking the first time European destinations were included in the program. The focus on popular tourist destinations showed RuPay's understanding of Indian traveler preferences. This campaign would prove to be one of the last to offer the premium 40% cashback rate, making it a particularly valuable opportunity for those who took advantage of it.
2024: Strategic Shift to Sustainable Growth
In 2024, RuPay JCB made a strategic pivot to a more sustainable 25% cashback model while significantly expanding both frequency and geographic coverage. The summer campaign from May to July was ambitious, covering eight diverse destinations including the USA, Indonesia, Malaysia, Singapore, Spain, Sri Lanka, Thailand, and Vietnam. This marked the first time North America was included in the offer. Later in the year, from October 2024 through January 2025, another 25% campaign focused on Japan, Singapore, Indonesia, and the Philippines. While the cashback percentage decreased from the previous 40%, the increased frequency of campaigns and wider destination coverage meant more opportunities for travelers throughout the year.
2025: Year-Round Opportunities for Savvy Travelers
The year 2025 has been remarkable for the consistency and variety of RuPay JCB campaigns. It began with a brief but attractive offer from mid to late January, providing 25% cashback (capped at ₹3,000 per transaction) in Indonesia, Japan, Philippines, and Singapore. The summer months from June to August brought perhaps the most extensive campaign yet, covering eight popular Asian destinations: Japan, South Korea, Malaysia, Sri Lanka, Vietnam, Singapore, Thailand, and Hong Kong. This demonstrated RuPay's commitment to supporting travel throughout peak vacation season. The current campaign running from October through December continues this momentum, offering 25% cashback in five key Southeast Asian and East Asian destinations with a ₹15,000 total cap.
What This Track Record Means for You
The consistent pattern of RuPay JCB campaigns over the past three years reveals several important insights. First, there's remarkable consistency in offer availability, with campaigns running throughout most of the year with minimal gaps between them. The geographic focus has clearly been on Asia-Pacific destinations where JCB has strong merchant acceptance and where Indian travelers frequently visit. While the cashback percentage has stabilized at 25% from the earlier 40%, the increased frequency and expanded country coverage actually create more opportunities for savings. Most significantly, this track record strongly suggests that even if you miss the current campaign, future offers are highly likely. This makes acquiring a RuPay JCB card a smart long-term strategy rather than just a one-time opportunity. The cards have proven their value repeatedly, making them worthy additions to any traveler's wallet.
Conclusion: Is the RuPay JCB International Cashback Offer Worth It?
Absolutely, yes!
The RuPay JCB international cashback offer represents one of the best opportunities for Indian travelers to save substantially on international spending. With 25% cashback up to ₹15,000, you can offset a significant portion of your travel expenses.
Why You Should Consider a RuPay JCB Card
For Frequent Travelers: If you travel internationally even once a year to Asia-Pacific destinations, the savings from this single offer can justify having a RuPay JCB credit card in your wallet.
For Occasional Travelers: Even if you travel infrequently, the consistent history of RuPay JCB campaigns means your card will be useful whenever you do travel. Plus, many of these cards offer good domestic benefits too.
For Students and Professionals Abroad: If you're studying or working in eligible countries, this cashback can add up to substantial savings over the campaign period.
The Bigger Picture: RuPay JCB's Growing Ecosystem
Having a RuPay JCB card is increasingly valuable:
- Regular cashback campaigns throughout the year
- Growing international acceptance of JCB
- Support for India's domestic payment network
- Competitive benefits matching Visa/Mastercard offerings
- Strategic focus on destinations popular with Indian travelers
Making the Smart Choice
Whether you opt for a RuPay JCB credit card or debit card, you're positioning yourself to save money on international travel. The key is to:
- Choose the right card based on your spending patterns and needs
- Understand all fees including forex markup and GST
- Plan strategically to maximize the ₹15,000 cashback cap
- Stay informed about future campaigns and offers
Final Recommendation
If you're planning any international travel to Southeast Asia or Japan in the coming months, or even in the future, getting a RuPay JCB card now is a smart financial move. The application process is straightforward, and the potential savings are substantial.
Don't let this opportunity pass by. With the current campaign running until December 31, 2025, there's still time to apply, receive your card, activate it, and start saving on your international spends.
Your wallet will thank you! 💰✈️
Frequently Asked Questions (FAQs)
Q: Can I use multiple RuPay JCB cards to get more than ₹15,000 cashback? A: Yes! The ₹15,000 cap is per card. If you have multiple eligible RuPay JCB cards, each card can earn up to ₹15,000 cashback.
Q: Do online transactions qualify for cashback? A: No, only in-store Point of Sale (POS) transactions are eligible. E-commerce and online purchases do not qualify.
Q: What if I don't complete 2 transactions? A: You must complete at least 2 POS transactions to qualify for any cashback. Without meeting this threshold, no cashback will be credited.
Q: How do I know if my card is a RuPay JCB card? A: Check the back of your card. If you see both the RuPay logo and the JCB logo, it's a RuPay JCB Global Card.
Ready to Start Saving on International Spends?
Don't miss out on this fantastic opportunity to save up to ₹15,000 on your international travels. Whether you're planning a vacation, business trip, or extended stay abroad, a RuPay JCB card is your ticket to substantial savings.
Affiliate Disclosure
Transparency Notice: This website may contain affiliate links to credit card applications and financial products. If you apply for a RuPay JCB credit card or any other financial product through links on this page, we may receive compensation from the card issuer or bank at no additional cost to you. This compensation helps us maintain this website and continue providing free, detailed guides and resources to our readers.
Important: Our recommendations and reviews are based on thorough research and genuine analysis. We only recommend products and offers that we believe provide real value to our readers. However, we encourage you to:
- Visit the official bank or card issuer's website for the most current terms, conditions, and eligibility criteria
- Read all terms and conditions carefully before applying
- Compare multiple cards to find the best fit for your specific financial situation and needs
- Consider your own financial circumstances and spending patterns
- Contact the bank directly if you have specific questions about fees, charges, or benefits
All information presented in this guide is accurate to the best of our knowledge as of the publication date. However, credit card offers, terms, and cashback campaigns are subject to change without notice. We recommend verifying all details directly with the card issuer before making any financial decisions.
Your trust matters to us. We are committed to providing honest, unbiased information to help you make informed financial decisions, regardless of affiliate relationships.
Last Updated: November 2025 | Please verify all offer details with your card issuing bank
Disclaimer: All information is based on official RuPay JCB campaign terms and conditions valid as of November 2025. Terms are subject to change. Please verify all details with your card issuing bank before making travel plans. Forex markup fees and GST charges vary by bank and card type.