HSBC Live+ Credit Card
Updated on October 29, 2026
🎖️Reward Rate
Dining, Food Delivery, Grocery, Shopping and Utilities: 10% cashback, up to ₹1,200 a month
Overview
The HSBC Live+ Credit Card gives 10% cashback on dining, food delivery, grocery, shopping and utilities, and 1.5% unlimited cashback on most other spends.
Rewards
Reward Type
Cashback
Reward Rate
- • Dining, Food Delivery, Grocery, Shopping and Utilities: 10% cashback, up to ₹1,200 a month
- • Other Spends: 1.5% unlimited cashback, with some exclusions
Welcome Benefit
₹1,000 cashback when you log on to the HSBC India app and spend ₹25,000 within 30 days, plus a voucher worth ₹750 for Amazon Pay, Zomato and Swiggy on a single transaction of ₹300 or more.
Redemption
Statement Credit: Cashback is credited to your card account
Benefits
- Lounges: 2 domestic and 1 international airport lounge visit a year
- Lower Forex: 1.99% markup
- Fuel Cashback: ₹250 on contactless fuel purchases when you spend ₹10,000 in a quarter
- Dining: The Live+ Reserve restaurant benefits and the Visa Exclusive Dining Program
- Visa Infinite: Hotel offers and travel assistance
Things to Know Before you apply
HSBC Live+ Credit Card Eligibility Criteria
- Age: 18–65 years
- Salaried applicants need ₹6 lakh a year. Self-employed applicants need ₹12 lakh a year.
- Salaried applicants aged 18 to 65 and self-employed applicants aged 25 to 65.
- Resident of Chennai, Gurgaon, Delhi NCR, Pune, Noida, Hyderabad, Mumbai, Bengaluru, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad, Kolkata, Amritsar, Baroda, Indore, Lucknow, Nagpur, Surat or Trivandrum.
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹999 |
| Annual Fee | ₹999 |
| Foreign Currency Mark-up Fee | 1.99% |
| Cash Advance Fee | 2.5% of the amount withdrawn (minimum ₹500), plus ₹100 per ATM withdrawal abroad. |
Fee waiver: Annual fee waived if you spend more than ₹2 lakh a year.
PaisaSimple Review
Overall Rating
4.2/5What do we like about this card?
Rated 4.2 out of 5. The HSBC Live+ Credit Card scores well for 10% cashback on dining, food delivery, grocery, shopping and utilities, 1.5% on other spends and a 1.99% forex markup. It loses marks because the 10% cashback stops at ₹1,200 a month and the card is issued only in select cities.
Pros
- • Category Cashback: 10% on dining, grocery, shopping and utilities
- • Unlimited Cashback: 1.5% on most other spends
- • Lower Forex: 1.99% markup
- • Lounges: 2 domestic and 1 international visit a year
Cons
- • Monthly Cap: 10% cashback capped at ₹1,200 a month
- • Limited Cities: Available only in select cities
- • Fee Waiver: Needs over ₹2 lakh annual spend
- • Interest: 3.75% a month on unpaid balances
Frequently Asked Questions
What is the joining and annual fee of the HSBC Live+ Credit Card?
The joining fee is ₹999 plus GST. The annual fee is ₹999 plus GST. Annual fee waived if you spend more than ₹2 lakh a year.
What rewards does the HSBC Live+ Credit Card give?
Dining, Food Delivery, Grocery, Shopping and Utilities: 10% cashback, up to ₹1,200 a month. Other Spends: 1.5% unlimited cashback, with some exclusions.
How do I redeem the rewards on the HSBC Live+ Credit Card?
Statement Credit: Cashback is credited to your card account.
Does the HSBC Live+ Credit Card give airport lounge access?
Lounges: 2 domestic and 1 international airport lounge visit a year.
What is the forex markup on the HSBC Live+ Credit Card?
The forex markup is 1.99% of the amount spent in a foreign currency.
Who can apply for the HSBC Live+ Credit Card?
Applicants should be 18 to 65 years old. Salaried applicants aged 18 to 65 and self-employed applicants aged 25 to 65. Salaried applicants need ₹6 lakh a year. Self-employed applicants need ₹12 lakh a year. You must be a resident of Chennai, Gurgaon, Delhi NCR, Pune, Noida, Hyderabad, Mumbai, Bengaluru, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad, Kolkata, Amritsar, Baroda, Indore, Lucknow, Nagpur, Surat or Trivandrum.
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- • ₹1,000 cashback when you log on to the HSBC India app and spend ₹25,000 within 30 days, plus a voucher worth ₹750 for Amazon Pay, Zomato and Swiggy on a single transaction of ₹300 or more.
- • Complimentary Swiggy One membership for 12 months after the card is activated.
- • Dining, Food Delivery, Grocery, Shopping and Utilities: 10% cashback, up to ₹1,200 a month
- • Other Spends: 1.5% unlimited cashback, with some exclusions
- • Swiggy: 5% on the Swiggy app for food delivery, Instamart and Dineout
- • Online Shopping: 5% on select online merchants such as apparel, pharmacy, electronics, entertainment, travel and local cabs
- • 5% Cap: ₹1,500 a billing cycle across Swiggy and online spends together
- • Other Spends: 1%, up to ₹1,000 a billing cycle
- • Exclusions: No cashback on fuel, rent, jewellery, government, gaming, education, EMI and wallet loads
- • Online Spends: 5% cashback with no merchant restriction, up to ₹2,000 per statement cycle
- • Offline Spends: 1% cashback, up to ₹2,000 per statement cycle
- • Overall Cap: ₹4,000 cashback per statement cycle
- • Exclusions: No cashback on fuel, wallets, rent, jewellery, education, utilities, insurance, railways, gaming, tolls, government, gift shops, EMI or cash withdrawals
- • Category Cashback: 10% on dining, grocery, shopping and utilities
- • Unlimited Cashback: 1.5% on most other spends
- • Lower Forex: 1.99% markup
- • Lounges: 2 domestic and 1 international visit a year
- • Swiggy Cashback: 5% on food delivery, Instamart and Dineout
- • Online Shopping: 5% on select online merchants
- • Low Fee: ₹500, waived at ₹1.5 lakh spend
- • Swiggy One: 12 months free
- • Online Cashback: 5% on online spends with no merchant restriction
- • Automatic Credit: No need to redeem
- • Fee Reversal: Renewal fee reversed at ₹2 lakh annual spend
- • Offline Cashback: 1% on in-store spends
- • Monthly Cap: 10% cashback capped at ₹1,200 a month
- • Limited Cities: Available only in select cities
- • Fee Waiver: Needs over ₹2 lakh annual spend
- • Interest: 3.75% a month on unpaid balances
- • Shared Cap: 5% cashback stops at ₹1,500 a cycle across Swiggy and online spends
- • High Forex: 3.5% markup
- • No Fuel Surcharge Waiver: Not offered on this card
- • No Lounge Access: No lounge visits listed
- • Exclusions: No cashback on fuel or rent
- • Cashback Caps: ₹2,000 online and ₹2,000 offline per statement cycle
- • Exclusions: No cashback on fuel, rent, utilities, insurance, education and more
- • No Lounge Access: Airport lounges are not included
- • Forex: 3.5% markup
- • Interest: 3.75% a month on unpaid balances