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
- • Direct cashback access on all online shopping portals from day one
- • Qualification Criteria: Card activation
- • Fulfillment Timeline: Immediate
- • Most Important Terms and Conditions
- • HDFC Bank Credit Card holders must activate their Credit Cards within 30 days from the Card Open Date, as per ‘Master Direction – Credit and Debit Card – Issuance and Conduct Directions, 2022’ dated April 21, 2022, realised by Reserve Bank of India (RBI). In case the Credit Card is not activated within 30 days of the card opening date, a grace period of 7 days will be given to activate the card with the below-mentioned modes. At the end of the 37th day, the card will be closed.
- • Kindly refer to the FAQ to know the process of activating the card.
- • 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
- • Base Rewards: 5% Cashback per ₹100 (5% direct cashback on all online retail transactions across any merchant without brand restriction (capped at ₹5,000/statement cycle))
- • 1% Cashback per ₹100 (1% unlimited cashback on all offline retail spends)
- • Accelerated Rewards: Automatic direct statement credit within 2 days of next statement generation
- • Excluded Categories: Fuel, Rent payments, Wallet load, Utility bills, Insurance, Education and Govt services
- • Maximize savings every year on Marriott Bonvoy stays.
- • ₹ 25,600
- • 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% direct cashback on all online retail transactions across any merchant without brand restriction (capped at ₹5,000/statement cycle))
- • 1% Cashback per ₹100 (1% unlimited cashback on all offline retail spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Maximize savings every year on Marriott Bonvoy stays.
- • ₹ 25,600
- • Additional Features
- • High value reward program
- • Wide merchant acceptance
- • Annual renewal fee of ₹999
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹999
- • Reward exclusion on fuel purchases and wallet load transactions
- • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified