MyFinCards
HSBC Live+ Credit Card

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

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.

Expert Review

Our Verdict

10% cashback on dining, food delivery & groceries plus 1.5% unlimited cashback on most spends.

Frequently Asked QuestionsAbout HSBC Live+ Credit Card

REWARDSWhat is a cashback credit card?
A cashback credit card is a credit card that provides cashback whenever the customer swipes the card at a physical store or makes online payments through the credit card. With the HSBC Live+ Credit Card, you can earn 10% cashback on dining, food delivery and groceries, and 1.5% unlimited cashback on most other eligible spends, making it a rewarding card for everyday spending.
REWARDSHow can I make the most of my cashback credit card?
To make the most of your cashback credit card, use your card for larger purchases to gain maximum cashback. With the HSBC Live+ Credit Card, focus your spending on dining, food delivery and groceries to earn 10% cashback (capped at INR1,000 per billing cycle). Use the card for other retail, hotel, medicine and entertainment purchases to earn 1.5% unlimited cashback on those categories as well.
REWARDSWill the cashback be credited to my credit card account?
Yes, the cashback you earn will be credited to your credit card account within 45 days of the card statement date. This applies to both the 10% accelerated cashback earned on dining, food delivery and grocery spends, as well as the 1.5% unlimited cashback earned on other eligible categories.
REWARDSHow do cashback credit cards work?
Cashback credit cards offer you the chance to earn cash from the money you spend, by paying you back a percentage of what you spend or giving you reward points for additional benefits. The HSBC Live+ Credit Card offers 10% cashback on dining, food delivery and grocery spends (capped at INR1,000 per billing cycle) and 1.5% unlimited cashback on most other eligible spends, directly reducing your outstanding balance.
ELIGIBILITYWhat are the eligibility criteria for the HSBC Live+ Credit Card?
To apply for the HSBC Live+ Credit Card, you must be aged between 18 to 65 years old, have a minimum annual income of INR600,000 (for salaried individuals), be an Indian resident, and reside in one of the eligible cities: Chennai, Gurgaon, Delhi NCR, Pune, Noida, Hyderabad, Mumbai, Bengaluru, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad, Kolkata, Amritsar, Baroda, Indore or Lucknow.
DOCUMENTSWhat documents are required to apply for the HSBC Live+ Credit Card?
To apply for the HSBC Live+ Credit Card, you will need the latest salary slip if you are a salaried employee, OR proof of residence, identity proof and your Permanent Account Number (PAN) card. Please note this list is for reference purposes only, and additional documents may be requested during the credit card application process.
FEESWhat are the joining and annual fees for the HSBC Live+ Credit Card?
The HSBC Live+ Credit Card has a joining fee of INR999 and an annual fee of INR999. The annual fee is waived if you spend more than INR200,000 per year on your card. This makes it easy to enjoy the card fee-free by simply using it for your regular dining, grocery and lifestyle expenses throughout the year.
BENEFITSWhat welcome benefits do I get with the HSBC Live+ Credit Card?
As a new cardholder, you can earn INR1,000 cashback by downloading and logging on to the HSBC India Mobile Banking app and spending INR20,000 within the first 30 days of receiving your card. Additionally, if you apply online, complete video self-verification (Video KYC) and receive your card during the offer period (1 January 2026 to 31 March 2026), you get an INR250 Amazon eGift Voucher. Terms and conditions apply.
REWARDSHow does the 10% cashback on the HSBC Live+ Credit Card work?
The HSBC Live+ Credit Card offers 10% cashback on dining, food delivery and grocery spends. This 10% cashback is collectively capped at INR1,000 per billing cycle across all three categories combined. For example, if you spend INR11,500 on dining, INR5,000 on food delivery and INR9,000 on groceries in a month, your combined cashback earned would be capped at INR1,000 for these categories.
REWARDSWhich spending categories are excluded from cashback on the HSBC Live+ Credit Card?
Several categories do not earn cashback, including fuel, e-wallets, utilities (electric, gas, water and sanitary), insurance, education, government transactions, jewellery and antiques, gambling, tolls and bridge fees, cash withdrawals, foreign currency transactions, cryptocurrency, money transfers, charity, wholesale clubs, security broker services and various business-to-business transaction categories. Always check the card's Most Important Terms and Conditions for the full exclusion list.
BENEFITSDoes the HSBC Live+ Credit Card offer airport lounge access?
Yes, the HSBC Live+ Credit Card provides 4 complimentary domestic airport lounge visits per year, with one visit allowed per quarter. This benefit is available for both primary and supplementary cardholders. You need to activate your card on the HSBC India app to use this benefit. Please refer to the Domestic Lounge List available on the HSBC website for the list of eligible lounges.
APPLICATIONHow can I apply for the HSBC Live+ Credit Card?
You can apply for the HSBC Live+ Credit Card online through the HSBC India website. Applying online and completing your application with video self-verification (Video KYC) makes you eligible for an Amazon eGift Voucher worth INR250 (subject to terms and conditions and offer validity period). Alternatively, you can call HSBC or visit your nearest branch to speak to someone about your application.
REWARDSIs there a cashback limit on the 1.5% unlimited cashback category?
The 1.5% cashback on most other spends is described as 'unlimited', meaning there is no monthly cap on the cashback amount you can earn in this category. However, several spending categories are excluded from earning this cashback, such as utilities, fuel, e-wallets, insurance, education and government transactions. Always refer to the card's terms and conditions for the full list of exclusions before spending.
INTERNATIONALCan I use the HSBC Live+ Credit Card for international transactions?
The HSBC Live+ Credit Card is a Visa card and can be used internationally. However, please note that cashback is not applicable on foreign currency transactions. Additionally, cash withdrawals and foreign currency-related transactions are excluded from cashback earnings. It is advisable to check the applicable forex markup charges and other fees with HSBC before using the card abroad.
ELIGIBILITYIs the HSBC Live+ Credit Card available across all cities in India?
No, the HSBC Live+ Credit Card is currently available only in select cities. The eligible cities are Chennai, Gurgaon, Delhi NCR, Pune, Noida, Hyderabad, Mumbai, Bengaluru, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad, Kolkata, Amritsar, Baroda, Indore and Lucknow. If you do not reside in one of these cities, you will not be eligible to apply for this card at this time.

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