Joining Fee

₹999

Annual Fee

Rs. 999 (Reversed on annual spends of Rs. 2 Lakhs)

HSBC Bank

Cashback

Lifestyle

Shopping

Best For: Frequent diners, Grocery shoppers, Entertainment spenders, Domestic travelers

HSBC Live+ Credit Card

Rewards Structure

Base Reward Rate

1.5% on spends

Point Value

1 Point = ₹0.25

Earning Cap

₹1,000 /monthly

Pros

10% cashback on dining, food delivery and groceries
1.5% unlimited cashback on most other spends
4 complimentary domestic airport lounge visits per year
Annual fee waived on spending INR2,00,000 per year
Welcome cashback of INR1,000 on meeting spend criteria

Cons

10% cashback capped at INR1,000 per billing cycle
No cashback on utilities, fuel, e-wallets, insurance, education and several other categories
Available only in select cities

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

10% cashback on dining, food delivery and groceries collectively capped at INR1,000 per billing cycle

Multiple MCC exclusions apply for 1.5% cashback

No cashback on fuel, e-wallets, utilities, insurance, jewellery, gambling, education and government payments

Key Benefits & Features

Detailed benefits inside

Eligibility Criteria

Min. Annual Income

₹6.0 Lakhs

Age Requirement

18+ Years

Occupation

SALARIED

Required Documents

INCOME Proof

Latest salary slip (for salaried employees)

ADDRESS Proof

Proof of residence

IDENTITY Proof

Identity proof

PAN Card

Notable Exclusions

No cashback on fuel related transactionsNo cashback on e-walletsNo cashback on property management, rental paymentsNo cashback on business to business transactionsNo cashback on education and government transactionsNo cashback on insuranceNo cashback on jewellery and antique itemsNo cashback on gamblingNo cashback on tolls and bridge feesNo cashback on cash withdrawals, credit repayments, foreign currency, liquid and cryptocurrency assetsNo cashback on security broker servicesNo cashback on collection agenciesNo cashback on charityNo cashback on money transfersNo cashback on wholesale clubsNo cashback on utilities - electric, gas, water and sanitary

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

These details are based on information updated on 7 March 2026. Fees and benefits change often - confirm on the issuer's own page before applying.

About HSBC Live+ Credit Card

The HSBC Live+ Credit Card is designed for those who love dining, shopping, and entertainment, offering generous cashback rewards that make everyday spending more rewarding. Cardholders earn 10% accelerated cashback on dining, food delivery, and grocery spends, capped at INR1,000 per billing cycle, along with 1.5% unlimited cashback on most other eligible purchases, including retail shopping, hotels, medicines, and entertainment. The card carries a joining and annual fee of INR999 each, though the annual fee is waived for cardholders who spend more than INR200,000 per year. New cardholders are welcomed with attractive introductory offers, including INR1,000 cashback upon downloading the HSBC India Mobile Banking app and spending INR20,000 within the first 30 days, plus an INR250 Amazon eGift Voucher for completing an online application with video verification. Beyond cashback, the card offers lifestyle perks such as four complimentary domestic airport lounge visits per year, one per quarter, adding a travel dimension to its everyday benefits. Ideal for frequent diners, grocery shoppers, entertainment spenders, and domestic travelers, the HSBC Live+ Credit Card combines practical cashback rewards with meaningful lifestyle privileges. Applicants must be Indian residents aged 18 to 65, with a minimum annual income of INR600,000 for salaried individuals, and reside in select cities across India.

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