HSBC Live+ Credit Card
Updated on August 26, 2026
🎖️Reward Rate
Base Rewards: 10% Cashback per ₹100 (10% Accelerated Cashback on dining, food delivery (Zomato, Swiggy), and grocery spends (capped at ₹1,000 per billing cycle))
Overview
HSBC Live+ Credit Card by HSBC India provides premium value tailored for Cashback cardholders.
Rewards
Reward Type
Cashback
Reward Rate
- • Base Rewards: 10% Cashback per ₹100 (10% Accelerated Cashback on dining, food delivery (Zomato, Swiggy), and grocery spends (capped at ₹1,000 per billing cycle))
- • 1.5% Unlimited Cashback per ₹100 (1.5% Unlimited flat cashback on all other eligible online and offline retail transactions)
- • Accelerated Rewards: 10% Accelerated Cashback on dining, Zomato, Swiggy, and supermarket grocery spends (max ₹1,000/cycle) + 1.5% uncapped cashback on everything else.
- • Excluded Categories: Fuel, Rent, Wallet loads, EMI
Welcome Benefit
₹1,000 cashback upon retail spends of ₹20,000 or more within 30 days of card issuance; Qualification Criteria: Spend ₹20,000 within first 30 days; Fulfillment Timeline: 45 days post criteria completion
Milestone Benefit
Spend ₹2 Lakhs (Annual): Annual fee waiver of ₹999 + GST; Annual Fee Waiver: Spend ₹2,00,000 or more in preceding anniversary year for annual renewal fee waiver
Redemption
Automatic statement cash credit at end of each billing cycle
Benefits
- Domestic Airport Lounge: 1 per calendar quarter (4 visits per year) via Visa Platinum Domestic Lounge (Guest Access: Paid guest access)
- Fuel Surcharge Waiver: 1% (Max waiver ₹250 per month)
- Exclusive Live+ Dining Privileges: Up to 15% additional dining discount at over 1,000+ curated partner restaurants in India. (15% off at partner restaurants) [Partners: HSBC Dining Treats]
Things to Know Before you apply
HSBC Live+ Credit Card Eligibility Criteria
- Age: 21–65 years
- Net Annual Income ₹4,00,000+ (Salaried min ₹35,000/month)
- Salaried & Self-Employed Individuals
- Resident Indian
HSBC Live+ Credit Card Customer Care
- Toll Free: 1800 1200
- Landline: +91 22 6600 6600
- Concierge Service: customer.care@bank.com
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹999 |
| Annual Fee | ₹999 |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 2.5% (min ₹300) |
Fee waiver: Spend ₹2,00,000 or more in preceding anniversary year for annual renewal fee waiver
PaisaSimple Review
Overall Rating
5.0/5What do we like about this card?
HSBC Live+ Credit Card issued by HSBC India is one of India's leading credit cards for Cashback spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 10% Cashback per ₹100 (10% Accelerated Cashback on dining, food delivery (Zomato, Swiggy), and grocery spends (capped at ₹1,000 per billing cycle))
- • 1.5% Unlimited Cashback per ₹100 (1.5% Unlimited flat cashback on all other eligible online and offline retail transactions)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Annual renewal fee of ₹999
- • Reward exclusion on fuel purchases and wallet load transactions
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- • ₹1,000 cashback upon retail spends of ₹20,000 or more within 30 days of card issuance
- • Qualification Criteria: Spend ₹20,000 within first 30 days
- • Fulfillment Timeline: 45 days post criteria completion
- • Welcome Benefit - Sign-up benefit: No distinct 'Welcome Benefit' section shown — official page's 'Card Cashback' benefit is the everyday 5%/1% rate, not a one-time welcome perk
- • ₹350 worth of activation benefits + ₹250 Flipkart voucher on first transaction within 30 days (not for first-year-free cards
- • only paid cards with Joining+Annual fee qualify) + 50% off up to ₹100 on Swiggy (code AXISFKNEW) for first-time Swiggy users
- • Base Rewards: 10% Cashback per ₹100 (10% Accelerated Cashback on dining, food delivery (Zomato, Swiggy), and grocery spends (capped at ₹1,000 per billing cycle))
- • 1.5% Unlimited Cashback per ₹100 (1.5% Unlimited flat cashback on all other eligible online and offline retail transactions)
- • Accelerated Rewards: 10% Accelerated Cashback on dining, Zomato, Swiggy, and supermarket grocery spends (max ₹1,000/cycle) + 1.5% uncapped cashback on everything else.
- • Excluded Categories: Fuel, Rent, Wallet loads, EMI
- • Reward Rate — Online spends - Base cashback rate: 5% Cashback on Online* Spends — no merchant restriction (asterisk suggests exclusions in T&C, not detailed on this page)
- • Reward Rate — Offline spends - Base cashback rate: 1% Cashback on Offline* Spends
- • Reward Rate - Crediting mechanism: Cashback auto-credited to SBI Card Account within 2 working days of the next statement generation
- • Reward Rate - Excluded categories: Not itemized on Benefits/Privileges/Rewards tabs reviewed (implied by '*' next to Online/Offline Spends)
- • Top-tier cashback rate — Myntra: 7.5% cashback on Myntra spends, capped at ₹4,000 per statement quarter
- • Top-tier cashback rate — Flipkart: 5% cashback on Flipkart and Cleartrip spends, capped at ₹4,000 per statement quarter per merchant
- • Preferred merchant cashback (4%): Unlimited 4% cashback on 'Preferred Merchants' (list not fully visible in captured screenshots)
- • Cleartrip is actually grouped in the 5%-capped tier per official site, not the 4% tier
- • Base Rewards: 10% Cashback per ₹100 (10% Accelerated Cashback on dining, food delivery (Zomato, Swiggy), and grocery spends (capped at ₹1,000 per billing cycle))
- • 1.5% Unlimited Cashback per ₹100 (1.5% Unlimited flat cashback on all other eligible online and offline retail transactions)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 5% Cashback per ₹100 (5% unlimited cashback on Flipkart & Myntra)
- • 4% Cashback per ₹100 (4% cashback on preferred partner merchants (Swiggy, PVR, Uber, Tata 1mg, Cleartrip))
- • 1% Cashback per ₹100 (1% unlimited cashback on all other eligible retail spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Annual renewal fee of ₹999
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹500
- • Reward exclusion on fuel purchases and wallet load transactions